Prabhakar Badatya
Thane,MH
Summary
Finance professional with 12+ years of experience in NBFC commercial and passenger vehicle loans. Skilled in business rules management, credit analysis, data analytics, and MIS reporting. Proven expertise in requirement gathering, system development, testing, and production rollout. Adept at driving operational efficiency and supporting strategic decision-making in the financial services sector.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Assistant Manager - Information Technology
Tata Motors Finance Limited (now part of Tata Capital Ltd)
05.2025 - Current
- Engaged in business rule set up and implementation activity related to vehicle and housing loans. Analyzed and implemented business rules in Fico BRE systems, improved business processes, and documented requirements.
- Facilitated cross-functional collaboration with key stakeholders including Product, Policy, Credit, and Technology teams to gather, validate, and prioritize business requirements, ensuring alignment with strategic goals and operational feasibility.
- Collaborated with cross-functional teams to gather and validate requirements, conducted end-to-end testing (UAT, regression, integration), and supported implementation and audits.
- Led end-to-end testing activities, ensuring comprehensive coverage and securing necessary stakeholder sign-offs for successful implementation.
- Worked on SFDC-integrated Loan Origination System and FinOne LMS to streamline lending workflows and automate data flow.
- Led performance monitoring, bug resolution, and process enhancements, contributing to data-driven decision-making and system compliance.
- Collaborated with cross-functional teams to gather and validate requirements, led end-to-end testing (UAT, regression, backend/frontend), and ensured successful implementation with stakeholder alignment.
- Monitored feature performance, supported issue resolution, and contributed to data analysis and reporting through dashboards and scorecards.
- Review and prepare test cases/scenarios for quality assurance and user acceptance testing. Perform backend, frontend, and regression testing.
- Monitor and analyze the performance of features and functionality. Support bug fixing and address development issues.
- Rules integrated: Risk scoring pricing model, Multi bureau, Chatbot, IRR master, Policy, Scheme, Straight through pass, Exposure and Foir calculation rules etc.
- Involved in Daily MIS reports: Delinquency Management with Branch Grading, CIBIL Trigger, Posidex Dedupe.
Deputy Manager- BIU | Vehicle Loan
Tata Motors Finance Limited
12.2019 - 05.2025
- Engaged in business rule set up and implementation activity related to vehicle and housing loans. Analyzed and implemented business rules in Lentra and Strategy One BRE systems, improved business processes, and documented requirements.
- Facilitated cross-functional collaboration with key stakeholders including Product, Policy, Credit, and Technology teams to gather, validate, and prioritize business requirements, ensuring alignment with strategic goals and operational feasibility.
- Collaborated with cross-functional teams to gather and validate requirements, conducted end-to-end testing (UAT, regression, integration), and supported implementation and audits.
- Led end-to-end testing activities, ensuring comprehensive coverage and securing necessary stakeholder sign-offs for successful implementation.
- Led performance monitoring, bug resolution, and process enhancements, contributing to data-driven decision-making and system compliance.
- Collaborated with cross-functional teams to gather and validate requirements, led end-to-end testing (UAT, regression, backend/frontend), and ensured successful implementation with stakeholder alignment.
- Monitored feature performance, supported issue resolution, and contributed to data analysis and reporting through dashboards and scorecards.
- Review and prepare test cases/scenarios for quality assurance and user acceptance testing. Perform backend, frontend, and regression testing.
- Monitor and analyze the performance of features and functionality. Support bug fixing and address development issues.
- Rules integrated: Risk scoring pricing model, Multi bureau, Chatbot, IRR master, Policy, Scheme, Straight through pass, Exposure and Foir calculation rules etc.
- Involved in Daily MIS reports: Delinquency Management with Branch Grading, CIBIL Trigger, Posidex Dedupe.
BIU Executive | Vehicle Loan
Tata Motors Finance Limited(Payroll of Intellect Support Services Pvt Ltd)
09.2018 - 12.2019
- Analyzed and implemented business rules in Power Curve BRE systems, improved business processes, and documented requirements.
- Facilitated cross-functional collaboration with key stakeholders including Product, Policy, Credit, and Technology teams to gather, validate, and prioritize business requirements, ensuring alignment with strategic goals and operational feasibility.
- Collaborated with cross-functional teams to gather and validate requirements, conducted end-to-end testing (UAT, regression, integration), and supported implementation and audits.
- Led end-to-end testing activities, ensuring comprehensive coverage and securing necessary stakeholder sign-offs for successful implementation.
- Review and prepare test cases/scenarios for quality assurance and user acceptance testing. Perform backend, frontend, and regression testing.
- Monitor and analyze the performance of features and functionality. Support bug fixing and address development issues.
Credit Executive - Business Loan
Mintifi Pvt Ltd
03.2018 - 09.2018
- Process Applications: Handle loan applications in the Mintifi dashboard, from credit approval memo to further credit authorities.
- Verify Documents: Check customer KYC, financial statements (last 2 years), balance sheets, business KYC, and transaction data for eligibility.
- Analyze Financials: Review customer’s P&L statements, balance sheets, tax returns, bank statements, and property valuations.
- Discuss with Customer: Talk with customers to confirm their needs, understand their company’s annual turnover, and future business plans.
- Review Repayment Records: Analyze the customer’s repayment history from CIBIL and provided statements;track overdue, written-off, and settled accounts.
CPC Executive | Vehicle Loan
Tata Motors Finance Limited
09.2017 - 03.2018
- Verify Documents: Check customer KYC, financial statements (last 2 years), balance sheets, business KYC, and transaction data for eligibility.
- Analyze Financials: Review customer's P&L statements, balance sheets, tax returns, bank statements, and property valuations.
- Discuss with Customer: Talk with customers to confirm their needs, understand their company's annual turnover, and future business plans.
- Review Repayment Records: Analyze the customer's repayment history from CIBIL and provided statements; track overdue, written-off, and settled accounts.
- Verify KYC Information: Check customer identity details in the LOS application.
- Policy Compliance: Confirm if customer meetings are needed based on company policy.
- Loan Evaluation: Review and approve or recommend commercial and personal vehicle loans according to policy guidelines.
- Process Applications: Handle and complete loan applications from various systems (e.g., Sage, RSPM, LOS, SAP) within the set time frame.
- Credit Checks: Ensure all credit conditions are met before loan approval, including financial, residence, and office verifications.
- Document Review: Examine bank statements, income details, property information, and other required documents.
- System Updates: Verify and update loan application statuses in the system.
- Prepare Reports: Create credit assessment memos and send them for manager approval.
CPC Executive | Vehicle Loan
Tata Motors Finance Limited(Payroll of Conneqt Business Solutions Limited)
09.2012 - 09.2017
- Verify Documents: Check customer KYC, financial statements (last 2 years), balance sheets, business KYC, and transaction data for eligibility.
- Analyze Financials: Review customer's P&L statements, balance sheets, tax returns, bank statements, and property valuations.
- Discuss with Customer: Talk with customers to confirm their needs, understand their company's annual turnover, and future business plans.
- Review Repayment Records: Analyze the customer's repayment history from CIBIL and provided statements; track overdue, written-off, and settled accounts.
- Verify KYC Information: Check customer identity details in the LOS application.
- Policy Compliance: Confirm if customer meetings are needed based on company policy.
- Loan Evaluation: Review and approve or recommend commercial and personal vehicle loans according to policy guidelines.
- Process Applications: Handle and complete loan applications from various systems (e.g., Sage, RSPM, LOS, SAP) within the set time frame.
- Credit Checks: Ensure all credit conditions are met before loan approval, including financial, residence, and office verifications.
- Document Review: Examine bank statements, income details, property information, and other required documents.
- System Updates: Verify and update loan application statuses in the system.
- Prepare Reports: Create credit assessment memos and send them for manager approval.
Education
MBA - Finance
Jaipur National University
Pune, India01.2017
Bachelor of Arts - Economics
Berhampur University
Brahmapur, India01.2011
Computer Programming
Datapro Computer Center
Brahmapur, India01.2008
12th standard - State Board
Chidananda Saraswati Mahavidyalaya
Bhubaneshwar,India01.2007
10th standard - State Board
Sivananda High School
Bhubaneshwar,India01.2005
Skills
- BRE Skills: TCS-Bancs, Experian-Powercurve, Lentra-Brex, Experian-StrategyOne
- Technical Skills: MS Office (Word, Excel, PowerPoint), SQL(Beginner), Power BI(Beginner), SAS(Beginner), Python (Beginner)
- Business Skills: Requirement Gathering & Documentation, Credit Risk Analysis, Loan Origination Workflow Management, Regulatory & Policy Compliance, End-to-End Testing & UAT
- Soft Skills: Strong Communication & Presentation, Analytical & Critical Thinking, Problem Solving & Decision Making, Time Management & Prioritization
Certification
SQL certification courses from Simplilearn Institute in collaboration with IBM.
Accomplishments
- Reduced the cost of field investigations by creating streamlined business FI waiver rules.
- Enhanced business rule engine functionality, leading to a reduction in process time and resource allocation.
Languages
English, Hindi, Oriya
Hobbies
Reading online magazines and newspapers to stay updated with current affairs.
Playing badminton to enhance teamwork and agility.
Listening to music for relaxation and creativity.
Disclaimer
I hereby certify that all the information given above is correct to the best of my knowledge.
Timeline
Assistant Manager - Information Technology
Tata Motors Finance Limited (now part of Tata Capital Ltd)
05.2025 - Current
Deputy Manager- BIU | Vehicle Loan
Tata Motors Finance Limited
12.2019 - 05.2025
BIU Executive | Vehicle Loan
Tata Motors Finance Limited(Payroll of Intellect Support Services Pvt Ltd)
09.2018 - 12.2019
Credit Executive - Business Loan
Mintifi Pvt Ltd
03.2018 - 09.2018
CPC Executive | Vehicle Loan
Tata Motors Finance Limited
09.2017 - 03.2018
CPC Executive | Vehicle Loan
Tata Motors Finance Limited(Payroll of Conneqt Business Solutions Limited)
09.2012 - 09.2017
MBA - Finance
Jaipur National University
Bachelor of Arts - Economics
Berhampur University
Computer Programming
Datapro Computer Center
12th standard - State Board
Chidananda Saraswati Mahavidyalaya
10th standard - State Board
Sivananda High School
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