Rithesh Kumar Email & Phone Number

Mumbai, Mh, In

Managing adherence to Basel-III Capital Regulations, including computing Capital Adequacy Ratio (CRAR), monitoring credit risk weighted assets, developing risk appetite framework.Maintaining metrics for Pillar-2 risks, driving stress testing on portfolios, and Pillar-3 Disclosures under Basel-III framework, complying with statutory/ regulatory requirements.Driving Large Exposure Framework of RBI, analyzing segments (Retail, MSME, Corporate advances), and presenting findings to risk… Show more Managing adherence to Basel-III Capital Regulations, including computing Capital Adequacy Ratio (CRAR), monitoring credit risk weighted assets, developing risk appetite framework.Maintaining metrics for Pillar-2 risks, driving stress testing on portfolios, and Pillar-3 Disclosures under Basel-III framework, complying with statutory/ regulatory requirements.Driving Large Exposure Framework of RBI, analyzing segments (Retail, MSME, Corporate advances), and presenting findings to risk management committee & other committees.Defining and monitoring exposure caps to various industrial sectors and borrowers, conducting thematic analysis from a credit risk perspective.Risk Management & MitigationRisk Framework DevelopmentStrategic Risk AssessmentCompliance ManagementCredit Exposure AnalysisPolicy FormulationCapital Allocation StrategiesRisk Culture EnhancementOperational Risk ManagementCredit Risk ModelingStress Testing & RCACross-functional CollaborationTeam Building & LeadershipReceived Certificate of Appreciation for outstanding contributions in timely completion of RBI-RMP and revamping exposure & capital computation methodology during FY 2023-24Felicitated with Certificate of Appreciation for contributions to critical process automation initiatives of Risk Management Department "CRAR Computation Automation" in 2023 Show less

Mumbai, Maharashtra, India

• Managing adherence to Basel-III Capital Regulations, including computing Capital Adequacy Ratio (CRAR), monitoring credit risk weighted assets, developing risk appetite framework.• Maintaining metrics for Pillar-2 risks, driving stress testing on portfolios, and Pillar-3 Disclosures under Basel-III framework, complying with statutory/ regulatory requirements.• Driving Large Exposure Framework of RBI, analyzing segments (Retail, MSME, Corporate advances), and presenting findings to… Show more • Managing adherence to Basel-III Capital Regulations, including computing Capital Adequacy Ratio (CRAR), monitoring credit risk weighted assets, developing risk appetite framework.• Maintaining metrics for Pillar-2 risks, driving stress testing on portfolios, and Pillar-3 Disclosures under Basel-III framework, complying with statutory/ regulatory requirements.• Driving Large Exposure Framework of RBI, analyzing segments (Retail, MSME, Corporate advances), and presenting findings to risk management committee & other committees.• Defining and monitoring exposure caps to various industrial sectors and borrowers, conducting thematic analysis from a credit risk perspective.• Sanctioned all loans, including Retail, Agriculture, and MSME sectors, ensuring alignment with organizational policies and regulations.• Led risk rating assessments for borrowers to evaluate creditworthiness and mitigate potential risks.• Spearheaded the implementation of the Large Exposure Framework of RBI, analyzing key segments, defining exposure caps, and ensuring compliance with regulatory guidelines, resulting in a reduction in risk exposure to stressed sectors.• Implemented a risk appetite framework, aligning with business objectives and regulatory requirements, improving risk governance and strategic decision-making processes. Show less

Conducting RCA of frauds, strengthening existing controls and systems within the bank.Framing policies on provisioning for stressed sectors, attending external/ regulatory audits, and submitting Regulatory Returns such as LEF monitoring and RBS Tranche I & II to RBI.Reviewing and submitting CORDEX data, reviewing KRIs for domestic and international operations, and designing new KRIs with upper & lower thresholds based on historical data.Computing capital charge for operational risk… Show more Conducting RCA of frauds, strengthening existing controls and systems within the bank.Framing policies on provisioning for stressed sectors, attending external/ regulatory audits, and submitting Regulatory Returns such as LEF monitoring and RBS Tranche I & II to RBI.Reviewing and submitting CORDEX data, reviewing KRIs for domestic and international operations, and designing new KRIs with upper & lower thresholds based on historical data.Computing capital charge for operational risk under the basic indicator approach and the standardized approach.Developing and validating credit risk models, improving risk assessment accuracy and supporting informed credit decisions.Leveraged data analytics to identify emerging risks, optimizing risk monitoring, and informing proactive risk management strategies. Show less

Framing policies on provisioning for stressed sectors, attending external/ regulatory audits, and submitting Regulatory Returns such as LEF monitoring and RBS Tranche I & II to RBI.Reviewing and submitting CORDEX data, reviewing KRIs for domestic and international operations, and designing new KRIs with upper & lower thresholds based on historical data.Computing capital charge for operational risk under the basic indicator approach and the standardized approach.Developing and… Show more Framing policies on provisioning for stressed sectors, attending external/ regulatory audits, and submitting Regulatory Returns such as LEF monitoring and RBS Tranche I & II to RBI.Reviewing and submitting CORDEX data, reviewing KRIs for domestic and international operations, and designing new KRIs with upper & lower thresholds based on historical data.Computing capital charge for operational risk under the basic indicator approach and the standardized approach.Developing and validating credit risk models, improving risk assessment accuracy and supporting informed credit decisions.Leveraged data analytics to identify emerging risks, optimizing risk monitoring, and informing proactive risk management strategies. Show less

Frm

Bachelor, Commerce

Master, Business Administration (Finance)