Spearheading the development and implementation of business scorecards and decision models for consumer and business banking portfolios, and adoption of advanced analytics across all regions of Standard Chartered bank.Collaborating closely with stakeholders from credit risk management, model governance, model review, model audit, implementation, and business teams to effectively maintain inventory and prioritize the workload related to new and existing scorecards and enhance bank’s risk assessment capabilitySuccessfully resolving model review and validation findings, while addressing regulatory feedback and queries from policy/risk strategy stakeholdersProviding valuable support in periodic reviews and reporting to model approval and risk governance committeesActively contributing to the formulation and review of model risk policies, guidelines, and standards to ensure compliance and enhance risk management practicesDriving continuous improvement initiatives by leveraging new methodologies, exploring additional data sources, and implementing standardization and automation processes to enhance the power and efficiency of models

Led a credit risk model development team for PNC bank, a top 10 US bank, in non-residential retail lending products, ensuring end-to-end delivery of models, including implementation support, monitoring, and closure of model issues, with a focus on CCAR/DFAST loss forecasting, CECL loan level reserve estimation, and BASEL AIRB PD, LGD & EAD modelsSyndicated results to senior management and governance committees, along with reasonableness review through attribution analysis and dimensional reportsManaging resource planning, up-skilling, and administration tasks for the larger TCS-PNC delivery teamContributed to business development, pre-sales efforts, and COE initiatives in TCS analytics eco-system, received multiple awards for outstanding contribution in client delivery

Led the APAC region as the Team Lead for Incremental Risk Charge (IRC) methodology, taking charge of researching, developing, and implementing innovative modeling, calculation, and reporting approaches in a continuous improvement cycle.Collaborated closely with risk managers, front office clients, model governance committees, and regulators, proactively addressing technical concerns, capital movements, and educating them on the various components of the methodology

Focused on credit risk analytics consulting in retail and wholesale lending for clients worldwide, owning the delivery of analytical and model development engagements, particularly in the area of credit scorecards, non-traditional credit scoring, collections, credit rating models for commercial clients, and SR 11-7 validationSyndicated engagement results and recommendations to review/audit, governance, and senior client management, coached operational teams to ensure effective transitionReceived the excellence award for ‘Distinctive’ client impact

Develop propensity models for identifying credit behaviour of retail loan & card portfolios for multiple clients; Set up credit risk data mart for a large European financial institution