Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic

Ruchi Rajesh Desai

Mumbai

Summary

Finance professional with a postgraduate degree in Financial Management and five years of experience in business finance, analytics, and product management within the banking sector.

Overview

5
5
years of professional experience
1
1
Certification

Work History

Sr. Business Analyst – Business Finance

HDFC Bank Limited
09.2020 - Current
  • Led performance management for the High Net Worth (HNW) business: defined income and disbursal targets, analysed liability growth, and optimised channel metrics.
  • Conducted weekly reviews of resource scorecards and presented key insights and areas of concern to senior management.
  • Recognised with the Gold Award by the CFO for excellence in headcount and portfolio reconciliation (FY25).
  • Collaborated with the Business Intelligence Unit (BIU) to develop a Tableau-based solution that automated the entire scorecard, including resource-level metrics on liabilities, assets, income, and more.
  • Drove cost-saving initiatives by redesigning PLP structures with the payout team, creating a channel-level Business Division Profitability (BDP) to highlight actual income, and tracking Cost-to-Income (C2I) ratios.

Product Manager

Axis Bank Limited
08.2020 - Current
  • Designed and executed a three-year financial roadmap, with product-level forecasting and IRR modelling.
  • Strengthened asset quality by tracking NPAs and high-risk profiles in vehicle loan portfolios.
  • Delivered zone-wise analysis of collection efficiency across seven regions to inform recovery strategy.
  • Conducted a strategic financial analysis for a major acquisition involving an asset-backed finance portfolio, building a 5-year ROI projection model to evaluate long-term value and integration impact.

Education

Master of Management Studies - Financial Management

Prin. L.N. Welingkar Institute of Management, Development & Research
08.2020

Bachelor of Commerce -

K.J.Somaiya College of Science & Commerce, Mumbai University
06.2017

Skills

  • Fluency in Microsoft Office
  • Basic Knowledge – Tableau and Power BI (pursuing certification)

Certification

  • Master’s in commerce Part 1 (Banking & Finance specialisation), 2018
  • Research Analyst (NISM)
  • Member, Placement Committee of MMS batch 2018-2020, Welingkar Institute
  • Completed 12th Summer Military Training course, Bhonsala Military College, 2018

Languages

  • English (First Language)
  • Hindi and Marathi (Mother-tongue)
  • French (A1 level)

Timeline

Sr. Business Analyst – Business Finance

HDFC Bank Limited
09.2020 - Current

Product Manager

Axis Bank Limited
08.2020 - Current

Master of Management Studies - Financial Management

Prin. L.N. Welingkar Institute of Management, Development & Research

Bachelor of Commerce -

K.J.Somaiya College of Science & Commerce, Mumbai University

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Ruchi Rajesh Desai