Experience

• 

  Capgemini

  Jun 2008 - May 2009

  Associate consultant

  • Implementation and support project on SAP IS-U (Utilities, Electricity and Water supply company)• Worked on different functionalities like Metering, Invoicing, Dunning• ABAP, PWB

• 

  Ernst & young

  Jan 2012 - Jun 2012

  Analyst (intern)

  Analysis of Statutory Audit Reports of Companies with the use of ACL (Audit Command Language) and EY-GAT (Global Analytics Tool).

• 

  Uco bank - a government of india owned public sector bank

  Sept 2012 - Sept 2017

  Branch Head, Sankarhati Branch - Howrah (W.B.)• Heading a retail branch having business of around Rs 100 crores with a team of 6.• Acted as a sanctioning authority for retail loans like Home Loan, Car Loan, SME Loans, etc.• Managing Deposit products like CASA, Term Deposits, KYC, etc.• Monitoring of Advances portfolio, NPA management, Liability products, overall monitoring of branch finances. Head Office - Kolkata: • Calculation of Basel II and Basel III Capital Adequacy ratios for the bank.• Risk Adjusted Performance Assessment using RAROC.• Analysis of few sectors like PSBs, PSUs, their comparison, ranking, in-order to analyze the potential of business and risk.Naya Bazar Branch - Gwalior:• Processing of Credit Proposals from Credit Appraisal to Disbursement, Recovery and Monitoring of existing Advances Portfolio.

  • Senior Manager

    Jan 2016 - Sept 2017

  • Manager

    Sept 2012 - Jan 2016
• 

  Standard chartered bank

  Sept 2017 - now

  Credit Risk Reporting• Review of all CCR reports (Counterparty Credit Risk on Derivatives and SFTs). Computation of EAD using SA-CCR and IMM approach.• Review of all Securitization reports, Traditional Securitization, Synthetic Securitization.Leverage Ratio Reporting• Producing Leverage Ratio COREP Reports for submission to PRA (Prudential Regulation Authority, Bank of England) with a team of 6.• Validating the numbers calculated for Derivatives as per SA-CCR approach, Securities Financing Transactions, Commitments, etc.• Movement analysis and providing commentary on major movements.• Supported a project as a SPOC from BAU side to automate Leverage Ratio reports based on CRR-II guidelines (New Leverage Ratio Framework incorporating changes like CEM to SA-CCR, etc.) Show less Project Support (Credit Risk Reporting)• Acted as a SPOC from a BAU side to support a project where Credit Risk RWA engine was upgraded to a newer version.• Coordinating with various BAU sub-teams, Change team and bridging the gap between them.• Taking care of BAU’s interest by aligning most of the legacy issues with the Project.• New Securitization Framework, RWA treatment for various products like SBLC, CEM and IMM approach for Derivatives, etc.• IFRS9 project to consume ECL numbers for RWA calculation under Standardized Approach.• Smooth delivery of upgraded version into BAU.Change Gatekeeping (Credit Risk Reporting):• Techno-functional role to collect the requirements from Business stakeholders and handing them over to Change team after first level of analysis and prioritization.• Preliminary analysis of a requirement and comparing it against regulatory instructions for EAD/ RWA computation under STD and ADV method.• Ensuring smooth delivery of changes into BAU.• Handling post model adjustments (PMA). Show less

  • Senior Manager

    Aug 2021 - now

  • Manager

    Sept 2017 - Jul 2021