• Ensuring compliance with risk policies and programs as well as providing feedback on renewals of risk approval programs based on portfolio behavior and policy framework• Developed innovative solutions for delinquency analysis on vintage, lagged, roll & static pool analysis for forecasting losses & delinquency behavior for portfolio and its business segment using office solutions.• Handling large data, analyzing for growth, monitoring , assessment of early warning , reporting.• Developing dashboard office solutions for user self-analysis and collaborative discussions• Developing business requirements for shifting regulatory perspectives, as well as helping with conducting user testing and assisting technology with controlled output.• Helping achieve CCAR compliance, working with diverse global teams, managing the life cycle for model with ongoing & annual reviews , ensuring documentation at global standards , risk management and governance for model.• Handling ad-hoc analysis to identify early warning signs with events stressed or usual, identifying need for functional caveats, managing expectations , monitoring performance and concluding for risk decision

Systems & Process Assurance (SPA) is a part of overall assurance team performing statutory audits of the entity. The SPA Team assists in assurance risk management and analysis providing backbone to the assurance team.With a project based approach handled a minimum of 12-15 clients on annual bases with assurance reviews among multiple entities. Significant Projects delivered :• Asset Management Companies (AMC)- Large fraud analysis of transactions that form a part of trial balance of fund houses.• Securities and Commodities Brokers- Process walkthroughs, understanding operational procedures in recording financial transactions and sample based validation of application controls in Equities, Commodities and depository products for broking institutions. Reporting observations and recommendations to the management.• Banks and Non-Banking Financial Entities:- In addition to above process reviews, financial transaction mapping and risk analysis between multiple in-house and enterprise solutions in treasury and retail loans, Also conducted specified procedures to validate linked systems functionality for the largest bank in the country.• Manufacturing / Money Changers / Business process outsourcing service providers- Systems review and risk analysis of financially significant processes like expenses, currency translation, payroll and goods valuation in enterprise solutions.• Control reviews performed in information governance, access to data, computer operations of database and operating systems, program changes and management

With extensive activity calendar of weekly, monthly and yearly reporting and reviews to internal as well as global business management. The profile concluded :-• India Portfolio Asset based finance monitoring, analysis and reporting of growth, product portfolio, risk profile, concentration and economic variables.• Risk analysis of portfolio and business segments with indicators on: - Cost of Credit, non-performing loans, delinquencies, program risks, exceptions and concentration caps on risks and economic indicators.• Content management portal enhanced and implementation assisted for the business.• Securitized portfolio and pool performance analysis to update credit risk rating agency.