Successfully implemented the 'New Definition of Default' for France and other European subsidiaries, establishing a new default engine to manage upgrades, downgrades, and probation periods for defaulted customersServed as a business analyst for the implementation of the Probability of Default model for SME and large corporate customers, responsible for testing risk drivers and creating JIRA user stories for the IT teamWorked as a business analyst to create specifications and BRD for the Loss Given Default model for SME and large corporate customers, responsible for business acceptance testing and obtaining user sign-off

Served as a business analyst for a leading UK bank in the implementation of wholesale credit risk models designed to calculate PD and LGD of counterparties according to the AIRB approach of the Basel frameworkMigrated PD models like the Hedge Fund PD model, Slotting PD model etc. to AWS Cloud Infrastructure using Agile methodologyReviewed model documentation to understand developed models, gathered requirements, sought clarifications from stakeholders, and created a BRD. Developed and tested the prototype of credit risk models in Excel to ensure results align with the actual modelFacilitated requirement workshops with users and developers to align expectations on model outputs and created user stories in JIRA and coordinated with developers during daily SCRUM callsAssisted the SCRUM Master with sprint planning and delivered demos of developed stories at the end of each sprintConducted business acceptance testing and UAT briefing sessions with model users after all user stories were developed and integrated to ensure the cloud-migrated model was free of production defectsExecuted release management activities prior to the model's deployment in production

Worked as a Business Analyst on an automation project for calculating the Total Exposure of bank as per the Large Exposure Framework guidelines of RBI and created dashboards for the same using Power BIWorked on an automation project for calculating the Total outstanding limit of bank customers at product level as per National E-Governance Services Limited (NeSL). Created BRD and Process Flow diagrams to enable efficient implementation of the projectPerformed an automation project for a bank for reducing the manual effort of reading the financial and non-financial SWIFT messages from SWIFT MT servers and created a daily reconciliation report for swift transactions on swift servers and the CBS (Core banking Server) using MS SQLSuccessfully delivered a POC on ECB (External Commercial borrowings) Returns Filing. This POC created a database for all the returns filed as on date for a bank and flagged the user for any discrepancy in the ECB 2 form filled by the customer. This project was implemented by using Python, MS SQL and OCR (Optical Character Recognition) tools like Adobe Acrobat ProCompleted a POC on Foreign Inward Remittance wherein purpose code for a transaction had to be extracted from customer request letter, mapped to the transaction details and reported on daily basisResponsible for preparing Risk and Control Matrix, conducting risk assessment and identifying Key Risk Indicators to facilitate operational risk mitigation across organizationLed a team of 12 people for setting up a Concurrent Audit Framework for Wholesale Credit Risk, Credit Services and Securities Services function of a global bank. Project involved conducting daily status calls with the client to ensure that all project deliverables are delivered within the SLA

Worked as a Solutions Manager for Small and Medium Enterprises wherein I was responsible for understanding the Working Capital and Term loan requirements of SME clients and providing them the most suitable credit facilityPerformed industry, business and financial statement analysis of various SME clients in Jodhpur by doing financial modelling and ratio analysis of various financial parameters and preparing the Credit Monitoring arrangement (CMA) documentPerformed due diligence checks on client’s business by doing bank statement analysis, getting in touch with the key suppliers and customers of the client and conducting various RBI mandated borrower checksResponsible for coordinating with various departments within the bank such as credit risk department, commercial banking group, business loan group etc. and acting as a single point of contact between different departments and my clients till the credit facility was sanctioned and disbursed.Being the only member from my team in Jaipur, I created a loan portfolio of around 26 crores consisting of various asset classes such as Gold loans, LC backed Bill Discounting, Overdrafts, Working Capital and Term loans

Performed fundamental analysis using the Top-down approach of Equity Research and Discounted Cash Flow model for valuations.Responsible for doing the industry analysis of Logistics and Construction sector of IndiaCreated a financial model for doing valuation of companies from logistics and construction sector. Used the Capital Line software for populating the historical data and discounted cash flow model for the valuations

Worked on development and support projects on Mainframe technology using COBOL, JCL and DB2 for a US based health insurance companyWorked on Health Maintenance Organization (HMO) projects and was responsible for development and maintenance of code for health insurance claim adjudication process.Worked on Enterprise Service Delivery System (ESDS) projects. ESDS is a system that acts as an interface between different claim processing modules and provides the information in a desired format. I was responsible for fixing the bugs, developing and integrating new modules and maintaining the code on release time.Interacted with the US based clients on daily basis to understand their new business requirements and incorporated them in the system using the agile methodology of software development Created excel based macros using VBA that reduced the time spent on creating Unit Testing and Integration Testing PlanTook additional responsibilities of knowledge management and defect prevention.