Prashant Tripathi
Mumbai
Summary
Credit Risk Analytics and Product Innovation professional with over 5 years of experience delivering comprehensive risk solutions in regulated banking environments. Skilled in managing the full lifecycle of credit processes, aligning business growth with credit quality while adhering to policies and regulations. Collaborates effectively with business, policy, and technology teams, leveraging analytics to drive strategy and enhance portfolio health.
Overview
5
5
years of professional experience
Work History
Senior Manager, Credit Risk Analytics and Innovation
HDFC Bank
Mumbai
01.2025 - Current
- Automated pre-underwriting workflows covering 90%+ of unsecured OD cases, with ₹300 Cr+ monthly disbursements & improving decision time.
- Designed and implemented Early Warning Signal (EWS) frameworks to proactively monitor portfolio risk and initiate credit interventions.
- Built scorecard-driven customer segmentation at login stage, reducing manual credit assessment time by 10-15 minutes per case.
- Developed NLP-based classification models on transaction descriptions, integrated with GST and Udyam data to strengthen risk profiling.
- Built and maintained scalable analytics pipelines using Python, PySpark, Azure, and Databricks for production-grade risk use cases.
Senior Data Scientist
ICICI Bank
Hyderabad
06.2019 - 08.2020
- Built a Cost of Cash analytics framework for 3,000+ branches using regression techniques to support pricing and deposit strategy decisions.
- Identified early default indicators across a 5,000+ SME portfolio, enabling proactive portfolio risk management actions.
- Delivered a real-time credit decision engine using decision-tree-based logic to reduce approval turnaround times.
- Performed customer segmentation and campaign analytics for 200,000+ customers, improving targeting effectiveness and response rates.
Analyst, Economics Modeller
Novartis
Hyderabad
08.2016 - 04.2019
- Developed cost-effectiveness and outcomes models using Markov Chain simulations across 7 products to support pricing and launch decisions.
- Converted complex health economic models into interactive VBA-based tools, reducing scenario analysis time by ~80%.
- Built Tableau dashboards to visualize global research data and support commercial and strategic decision-making.
Education
Msc. - Business Analytics and Big Data
University of Liverpool
UK12.2022
MSc. - Chemistry & B.E. Civil Engineering
BITS Pilani
Pilani, India05.2016
Skills
Risk & Leadership:
Credit Risk Decisioning, Portfolio Risk Management, Data-driven decision making, Stakeholder Management, Cross-Functional Collaboration, Problem Structuring, Outcome Ownership
Data & Analytics:
Python, PySpark, SQL, R, Advanced Excel, Azure, Databricks, Tableau, Power BI, Machine Learning, NLP Pipelines, Text Mining, Data visualization
Affiliations
Dig Data - Virtual Work Experience Programs (Dec'22 - Jun'23):
Delivered customer segmentation, promotional strategy, and churn analysis projects for CACI Ltd., Capital One, and BT Group
Delivered customer segmentation, promotional strategy, and churn analysis projects for CACI Ltd., Capital One, and BT Group
Accomplishments
Geo-analysis of UK House Prices: Analyzed regional housing trends using geo-spatial dta (10km shapefiles) to assess price variations and transaction density
Timeline
Senior Manager, Credit Risk Analytics and Innovation
HDFC Bank
01.2025 - Current
Senior Data Scientist
ICICI Bank
06.2019 - 08.2020
Analyst, Economics Modeller
Novartis
08.2016 - 04.2019
Msc. - Business Analytics and Big Data
University of Liverpool
MSc. - Chemistry & B.E. Civil Engineering
BITS Pilani