Aman Siska Email & Phone Number

Luxembourg

Singapore

Bangalore & Us

◆ Established Credit Program Infrastructure from scratch till launch by crafting customer journey, drafting policies, designing workflows for risk underwriting◆ Created multiple Proprietary Automated Credit decisioning models with 99% accuracy (Bureau validated and Gini & KS acceptance) for different customer segments◆ Spearheaded Tech vendor integrations for Credit Bureaus, Digital KYC/ CIP & Credit Assessment globally to ensure end-to-end delivery and quality output◆ Initiated UAT testing of Credit Models at Workflow, Cluster, Variable derivation, Individual rule and data parsing level◆ Crafted customer segmentation rule engine and generated Omni channel communication w.r.t. mode, frequency & content◆ Devised and implemented processes and workflows on both Pro-active & Post delinquency management to ensure healthy portfolio quality◆ Developed operational risk management framework and implemented internal control to achieve strong risk management culture◆ Scrutinized data to understand trends on consumer behavior, repayment, spend analytics, predictive power of variables, probability of default & triggers to incorporate changes in the risk management process◆ Developed data lake to create base for ML risk models and in-house risk intelligence while collaborating with 10 members tech team ◆ Managed & tracked different performance metrics w.r.t. Quality of Rules, TAT, Manual Decision, Vendor Efficiency, Maker-Checker Review & Hypothesis considered for risk◆ Planned and implemented Portfolio Trend Monitoring mechanism w.r.t outstanding, sanctions, collections, average spends and written offs◆ Managed first level reviews of MNDA, Standard Agreement, SLA's, T&C & Legal Policies☞ Models: Credit Bureau, Income, Future Earnings, Specific Credit Product Based, Alternate Data

Bengaluru, Karnataka, India

◆ Formulated credit risk policies and parameters while creating excel based scorecard models for digital lending platform◆ Directed the entire lending process for Bangalore with a team by leveraging judgement and credit skills, and provided timely and accurate recommendations on credit exposure◆ Advised changes in policies and underwriting to management to curtail the probability of default while evaluating Covid-19 impact on existing portfolio◆ Obtained and interpreted financial statements to ascertain credit limit for new customers◆ Coordinated with sales, management and other departments to sustain effective operations

Bengaluru, Karnataka, India

◆ Managed portfolio of 2.5 K accounts comprising of corporate and consumer loans for due diligence, underwriting and approvals◆ Acted as an approving authority up to INR 3 Mn while managing & mentoring a team of 10 credit managers ◆ Sustained a healthy portfolio with delinquency rate <1 % ◆ Facilitated training programs on technical aspects of credit underwriting for the team◆ Evaluated creditworthiness of customers by performing financial and banking evaluation using various analytical tools and ratios, etc.◆ Visited Office & factories of customers to identify business revenue model and analyze credit risk of customers◆ Efficiently collaborated with the innovation team to implement new lending platforms, initiating UAT testing and providing feedback on the improvements needed◆ Designed and streamlined systems in line with business requirement by coordinating with multiple departments

Frm, Risk Management

Activities and Societies: basel norms, VaR, credit risk, market risk, operational risk.

Chartered Accountant, Accounting And Finance

B.Com (Hons), Finance, General

10, Business/Commerce, General