Aayush Prajapati

Analyst with a BFSI background and experience in data analysis, reporting, and process improvement. Skilled in Excel, SQL, and Power BI, with a strong ability to analyze data, identify trends and process gaps, and develop practical business solutions. Experienced in KPI monitoring and translating data into actionable insights, with effective use of AI tools for analysis and problem-solving.

Debt Manager at HDFC Bank (2025-05 – 2025-09)

• Analyzed business and operational data to identify trends, performance gaps, and process improvement opportunities.
• Prepared and maintained MIS reports and KPI dashboards to track business performance and support management decision-making.
• Conducted data validation, reconciliation, and root-cause analysis to identify discrepancies and operational issues.
• Collaborated with cross-functional stakeholders to understand business requirements, resolve issues, and improve operational processes.
• Delivered ad-hoc analysis and actionable insights to support business decisions and improve operational efficiency.

Debt Manager at Axis Bank (2023-05 – 2025-04)

• Managed personal loan NPA portfolio of Varanasi & Allahabad, monitoring portfolio performance and delinquency trends.
• Analyzed portfolio and account-level data to identify performance gaps, trends, and collection opportunities.
• Managed collection agencies across calling and field operations, tracking ACR, payouts, performance, and operational KPIs.
• Conducted account analysis and due diligence to identify issues, investigate root causes, and support resolution of collection problems.
• Researched and resolved account discrepancies through data validation and reconciliation.

Debt Manager at IDFC First Bank (2020-08 – 2022-08)

• Managed Micro Business Loan delinquent portfolio, monitoring portfolio performance and recovery trends.
• Analyzed account information and conducted due diligence to identify and resolve collection issues.
• Performed data validation and reconciliation to resolve account discrepancies.
• Supervised and trained collection teams, monitoring performance and operational requirements.

Digital Marketing (Internship) at Paisso Technology Private Limited (2019-05 – 2019-07)

• Prepared weekly reports and analyzed campaign performance data to track growth, engagement, and success metrics.
• Created SEO-focused website content and optimized pages to improve search visibility and organic reach.

Master in Business Administration in MBA – Chandigarh University (2018-07 – 2020-05)

Bachelor of Commerce in B.Com – MGKVP (2015-07 – 2018-05)