AVP wholesale risk model monitoring

Senior Credit Risk Analyst (Senior Manager level – IC Role)IRB Models

Senior Credit Risk Analyst (Manager level – IC Role)• Manage credit risk of RBS’ secured portfolio• Build, monitor, and manage credit strategies at an underwriting level and portfolio management level • Identify risky pockets where credit risk is being observed. Responsible for managing end-to-end risk of the portfolio• Liaise with stakeholders, business managers, credit managers to understand business problem; conceptualise the analytical approach with respect to the stated business / risk objective that will help deliver analytical solutions in the risk domain• Guide mentor junior team members on analytical tools and analytical project management • Work under guidelines provided by top management on key risks through analytical interventions• Ensure documentation of analytical deliverables and lead process enhancements initiatives • Ensure the risk levels are well within benchmark by taking suitable risk actions and interventionsFew completed projects…• Debt Consolidation, cut off review: Using SASReviewed affordability metrices, over in-debt score, probability of default, arrears & related metrices to identify high risk cohort; proposed cut offs pertaining to Unsecured Debt to Income and Loan to Income. These were implemented on Product category ‘Capital & Interest’. • Mortgage - Interest Only, minimum Income cut off analysis: Using SASReviewed performance of various metrices like Probability of Shortfall (logistic regression), arrears, over in-debt score, Debt to service ratio, repayment vehicle etc to identify customer segment in lower income groups which were worthy giving loans• Sentiment Analysis – Our View Scores: Using Python: Did sentiment analysis for our view scores. Prepared improvement themes around based analysis and presented to management.

About the role - Act as a bridge towards delivery of organisation goals by ensuring brilliant basics and creation of healthy competitive environment. Channelise management thoughts to right decision making for an effective & efficient future strategy in order to have sustainable & successful future• Working collaboratively with senior leadership, stakeholders, India/UK finance teamo Preparing regular financial forecasts capturing FY position and the split by clients/segments/sector/geographyo Financial budget reporting & accuracy: Actual vs budgets report along with anomaly detection & necessary course correctiono Financial budget preparation: Preparing framework for HC and Financial budgets of upcoming years in collaboration with finance partners and UK stakeholderso Transformation support & efficiencies: Keeping a check on run rate benefits being produced month on month by efficiencies• Transformation & Finance Pack – Using R: Prepared Transformation pack using R. Same covers update on Efficiencies, run rate benefits, confidence level on targets, levers, forecasted position• People Dashboard – Using R: Prepared people dashboard using Python which includes various people related insights like Headcount, Attrition, Location, Trainings etc• Develop models / frameworks that deliver timely, robust, action-oriented outputs which can drive commercial discussions and decisions • Preparation & presentation to management team of service reviews, upcoming projects, dashboards etc

Process Excellence Manager in strategic quality team of organizationKey Deliverables:• Business Process Reengineering: End to End process reengineering through process reviews focusing on process optimization, customer satisfaction & risk mitigation• Analytical / RCPS Projects: Data driven analytical projects based on customized requirement addressing chronic/sporadic problems.• Agile Solutions : Facilitate automation and innovative solutions using techno functional expertise to improve efficiency and customer satisfaction.• Stakeholder Management: Manage relationships with stakeholders(across levels) to ensure project abides by laid down requirements. Ensure healthy relationship for current and future projects.• Facilitate Governance & Change: Coordinate with process owners / risk team to facilitate ‘Change Requests’ to ensure process change adheres to compliance / risk policies• Celebrate & Share success: Present initiatives through various forums; One Sliders, Customer Centric Stories, Best Monthly projects, Newsletters articles etc• ISO 9001:2008 : Sustenance of Quality Management System on ISO 9001:2008 standards through robust internal health checks & facilitating external audits• Continuous Improvement Culture: Embedding & Sustaining Continuous Improvement culture. Creating Quality professionals by training & assessments

Inbound, Outbound and Non-Voice processes for banking products like CASA, Loans, Credit Cards, investments, NRl etc.Manager - MI, Reporting, Scheduling, Quality & Service Enhancement• Work Force Management & Forecasting - Trend Projection on Monthly / Daily / Half hourly basis along with FTE requirements• Dashboards – Preparation, maintenance and publishing of various dashboards which reflects the performance of the department / organization. • Handling Quality team of 10 resources; includes process trainers, soft skill trainers and MIS analysts• Audits, Compliance and Process Efficiency - Auditee & SPOC for lSO; maintaining quality and compliance requirements as per following Quality & Management ISO 9001, Information Security ISO 27001 & BCM lSO 22301• Lean Change agent/Change Management - Ensuring delivery of Lean actionable basis design standards and work streams of Lean

• Fostering Team of 70 resources & 7 team leaders to deliver KPIs & new initiatives. Appraising them time to time on their performance; discuss positive & improvement areas. Professional Development and grooming of the entire team to handle multiple roles• Handling customer escalations with utmost care by taking necessary corrective & Preventive action

• Filing CAPAs and RCAs against all customer complaints and maintenance of Asset Register• Work Force Management - Trend Projection on Monthly / Daily / Half hourly basis along with FTE requirements• Dashboards – Preparation, maintenance and publishing of various dashboards which reflect the performance of the department / organization• Planning, directing and controlling all MIS activities to meet the information required by our client and staff services.• Preparation of Performance Trackers/ SMARTS for officers & highlighting the areas for improvement• Ensuring that all critical process updates received from the Branches or Service delivery team are promptly and efficiently downloaded by the trainers to entire staff.• Handling all the invoices of department and keeping a check on per employee cost.

• ETL – Extraction Transfer & load of from CMS AVAYA system• Performing Descriptive & Exploratory statistics on data• Maintenance and creation of customised system reports as per need• Dashboards – Preparation, maintenance and publishing of various dashboards

Credit Cards & related Banking productsResponsible for managing customer queries, sales, complaints and all other kinds of interactions.• Interact with customers via inbound voice calls• Cater to customer needs regarding their request, queries, complaints, sales• Liaisons with operations team to execute orders or solve complaints• Create and maintain MIS reports as per need