Summary
Overview
Work History
Education
Skills
Certification
Internships
Timeline
Generic
Prasad Deshmukh

Prasad Deshmukh

Thane

Summary

Practical finance professional with 3+ years’ experience in retail secured lending (home loans), financial MIS and credit support functions. Hands-on with portfolio monitoring, credit documentation, and operational controls. Familiar with using Excel (advanced + macros) for automation, with basic Python for data cleaning/EDA and basic SQL to extract portfolio slices. Strong collaborator with experience supporting scorecard improvement, audit readiness and risk-policy adherence.

Overview

5
5
years of professional experience
3
3
Certifications

Work History

Deputy Manager – Home Loans /Credit Support Specialist

HDFC BANK Ltd.-INDIA
01.2023 - Current
  • Managed day-to-day loan processing and documentation for HDFC home loan portfolios, ensuring compliance with internal credit policy and regulatory checks.
  • Performed credit file reviews and risk checks for loan origination, flagging exceptions to underwriting teams and reducing rework through clearer documentation.
  • Monitored portfolio KPIs (TAT, delinquency buckets, bounce rates) and prepared weekly/monthly MIS for business and risk teams.
  • Supported scorecard validation and performance monitoring by preparing data extracts, doing consistency checks and feeding results to the analytics team.
  • Used Excel macros to automate recurring MIS tasks; used basic SQL to pull customer/loan-level slices and basic Python (pandas) for cleaning large extracts and performing exploratory trend analysis.
  • Coordinated with internal audit and compliance teams for queries and remediation actions.

Financial Analyst – MIS & Reporting

Tata Consultancy Services
07.2020 - 09.2021
  • Built and maintained MIS dashboards and automated reporting templates to track financial and operational performance for clients.
  • Supported budgeting, forecasting and variance analysis by consolidating inputs and preparing monthly commentary for stakeholders.
  • Conducted segmentation analysis and prepared input datasets for deeper risk and profitability analytics (data prep and validation role).
  • Delivered ad-hoc data analysis requests using Excel; created pivot-based reports and basic SQL extracts when needed.

Education

MBA - Finance

IES MCRC
Mumbai, India
04.2001 -

BMS (Bachelor of Management Studies) - Finance

Sevasadan College of Arts, Science & Commerce
Mumbai, India
04.2001 -

Skills

  • Credit assessment support & secured lending operations (home loans, LAP)
  • Portfolio monitoring: delinquency tracking, TAT, bounce-rate monitoring
  • MIS reporting & automation (Advanced Excel, Macros)
  • Basic SQL for data extraction; basic Python (pandas) for data cleaning & exploratory analysis
  • Scorecard exposure — testing, data prep & performance monitoring (support role)
  • Loss forecasting support, segmentation & sensitivity analysis (assisted)
  • Audit readiness, compliance & stakeholder coordination

Certification

Python & Statistics for Financial Analysis — HKUST (self-study / basics applied)

Internships

Investment Associate | Hem Securities Ltd., Mumbai | May 2022 – Jul 2022

  • Supported investment analysis and financial modeling; prepared presentations and investment summaries for senior reviewers.

Timeline

Deputy Manager – Home Loans /Credit Support Specialist

HDFC BANK Ltd.-INDIA
01.2023 - Current

Financial Analyst – MIS & Reporting

Tata Consultancy Services
07.2020 - 09.2021

MBA - Finance

IES MCRC
04.2001 -

BMS (Bachelor of Management Studies) - Finance

Sevasadan College of Arts, Science & Commerce
04.2001 -

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Prasad Deshmukh