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Power BI Dashboard Project
Power BI Dashboard Project

FinEdge Finance:
Loan Portfolio Analytics

A strategic dashboard designed to bridge the gap between Sales Velocity and Credit Risk monitoring for a North Indian NBFC.

FinEdge Finance operates across North India with a diverse retail loan portfolio. The goal of this project was to design a clean, insight-rich analytical view that allows leadership to quickly understand loan health, customer risk profiles, and business growth patterns.

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Domain

Banking (BFSI)

Role

Data Analyst

Tools

Power BI, DAX

Timeline

2 Weeks

Project Overview

The financial sector relies heavily on timely insights to monitor portfolio performance, detect risk early, and plan future strategies. This dashboard was developed to analyze:

Growth & Volume

Overall AUM movement, Loan disbursement trends, and Active loan account growth.

Risk & NPA

Loan disbursement vs. default trends, NPA ratio fluctuations, and Risk segmentation.

Composition

Geographic contribution, Product-level portfolio mix, and Maturity distribution.


The design focuses on clarity, minimalism, and an intuitive reading experience — ideal for high-level decision-making.

Dataset & Tech Stack

Dataset Summary

The dataset was created from scratch using AI (Python) to simulate a realistic Financial Institution's portfolio.

Dummy values were used but structured to reflect realistic behaviour of sales, defaults, recovery, and NPA trends.

Key Fields:

Disbursement Amount Interest Rate Loan Status Loan Product & Purpose Maturity Date Outstanding Balance Customer Demographics

Total Records

5,200+

Timeline

2022 - 2025

Granularity

Loan Level

Tech Stack

An End-to-End implementation pipeline.

Power BI DAX (Advanced) Power Query Python (Pandas) Figma (UI) Data Modeling

Business Problem

The Executive Visibility Gap

The Regional Directors at FinEdge Finance lacked a consolidated view of their North India operations. They were relying on disjointed reports that separated "Sales Performance" from "Credit Risk," leading to blind spots in decision-making.

They required a single-pane-of-glass dashboard to answer:
"Are we growing profitably, or are we accumulating toxic assets in high-volume regions?"

One-Page Executive Monitor

To solve this, I designed a unified one-page view that integrates Sales, Operations, and Finance metrics into a seamless user experience.

Main Dashboard View
Main View: Balancing Sales Velocity (Left) vs. Risk Exposure (Right)
Tooltip Drilldown
Granular Report Page Tooltips
Filter Pane
Custom Collapsible Filters Pane

Insights & Interpretation

1️⃣

Disbursement vs Default Trends

  • Disbursement peaked in 2023 and gradually stabilised.
  • Default amounts increased slightly toward 2024, signalling early stress.
  • The decline in defaults in 2025 reflects successful recovery or better credit screening.
2️⃣

AUM Maturity Profile

  • Majority of AUM lies in 15+ years category (₹4.38bn).
  • Long-tenure loans indicate stable future interest income.
  • Short-term maturity (≤2 years) is minimal, giving low liquidity pressure.
3️⃣

Product Portfolio Mix

  • Home Loans dominate with 59.09% share — typical for retail lending.
  • Strong revenue potential from secured loans.
  • Personal and Auto loans have balanced contributions.
4️⃣

Geographic Distribution

  • The loan portfolio is concentrated in North India, particularly Delhi, Haryana, and Punjab region.
  • Enables region-specific risk and marketing planning.
5️⃣

AUM by Risk Profile

  • Majority of customers fall under Medium and Low risk categories.
  • Very High Risk segment is minimal — good for portfolio stability.
  • High Risk AUM needs monitoring to avoid future NPA spikes.

What I Learned

  • Fair Time Intelligence

    I learned how to implement dynamic YTD logic in DAX to solve the "Incomplete Year" comparison problem, ensuring fair benchmarking between Jan-Nov 2025 and Jan-Nov 2024.

  • Risk Modeling

    I learned to cross-reference quantitative data (Loan Amount) with qualitative data (Risk Profile based on Income & CIBIL) to tell a meaningful story beyond just "Sales numbers."

  • Advanced UX

    Moving beyond standard slicers, I built a custom app-like navigation experience using Bookmarks and Selection Panes to maximize screen real estate.

Conclusion

This dashboard offers a structured, executive-level view of FinEdge Finance’s loan portfolio. With insights into AUM trends, NPAs, risk segmentation, and geographic performance, it supports:

  • • Credit risk management
  • • Disbursement planning
  • • Product-level strategy
  • • Regional expansion decisions

This project demonstrates my ability to work with financial data, build intuitive dashboards, and create meaningful insights for business stakeholders.

Connect with me

Open to data analytics opportunities.
Feel free to reach out for a chat about data, design, or potential collaborations.

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