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Business Risk Policy Manager Resume Example

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BUSINESS RISK POLICY MANAGER
Professional Summary

Adept professional with 7+ years of experience in Banking , Business Analyst with Software Testing having Strong team handling, mentoring and leadership skills, Global Experience of working at multiple locations like India, Singapore, and dealt with US and UK clients. Proven ability of working in highly demanding and challenging work environment with ever increasing expectation of client and delivering best of quality has been the focal point for my professional career. Enjoyed broad-based background from working for large investment bank.

Accomplishments
  • Awarded the Domain Expert Award and Star performer in RBS.
  • Awarded the Best Management Trainee Title by Cholamandalam DBS Pvt. Ltd.
Skills
  • Financial Management
  • Business planning
  • Budgeting
  • Strategic Planning
  • Business Development
  • Problem resolution
Work History
10/2014 to 02/2016Business Risk Policy Manager Credit Suisse | Singapore, Singapore
  • Streamlined and monitored quality programs to alleviate overdue compliance activities.
  • Manage policy and regulatory self-assessment related projects driven by new regulations (e.g. Reg. YY Enhanced Prudential Standards, BCBS 239, HKMA IC-1), audit findings or changes to business/organizational structure.
  • Smooth cooperation with policy owners, LCD policies team and compliance with GP-00001
  • Deft in performing internal team audit and preparing Quality Assurance Report, which served as base for external group audit purpose
  • To review various policies related to Risk Division including( Credit risk, Market risk, Operational risk etc)
  • Liaising and co-coordinating with various SME's and help in structuring of different Risk policies.
  • Policies for key issues like valid content, clearly expressed in simple languages, compliance with Regulatory Requirements, no ambiguity.
  • Define clear targets , objectives and communicated to team.
02/2012 to 06/2014Senior Credit Risk AnalystRoyal Bank Of Scotland | Gurgaon, India
  • Complied with internal controls and government regulations.
  • Carry out analysis and document user requirement, working closely with business community(both locally and globally; working closely with users in Singapore ensuring local requirements are gathered and well understood) and IT development team, delivering solutions within strategic credit risk systems.
  • Translating business requirement into IT focused Credit system development definitions for Project management.
  • Providing input to the identification of credit process enhancement within the Markets & International Banking Division of RBS
  • Experience of handling corporate and investment banking business, products and services.
  • Leading and maintaining the BASEL II DPD process (Excess Management): Monitor loan portfolios, credit limits Tracking Early Warring Indicators, Watch meetings, follow credit policies of bank, credit matrix guidelines tracking relevant counterparties' information to anticipate changes in their credit standing.
  • Stipulating Credit risk mitigations for corporate lending.
  • Undertaking the credit analysis process involving the interaction with client and understanding their financial needs.
  • Initiate project of Transition from UK, “Merger & Acquisitions”. Adroit in executing the transition and mentoring the team for M&A..
  • Scrutinize default case and transferring them to recovery team and ensure that the information flows flawlessly, exterminating defects if any.
05/2009 to 02/2012Assistant Manager State Bank Of India | Pune, India
  • Efficiently handled the role of Credit Analyst for Mid Corporate Group for bank, which included;
  • Undertaking processing of various proposals for the corporate sectors.
  • Deft at the pre- sanction process for meeting financial needs of various companies.
  • Undertaking a study of financial strength of the client on basis of balance sheet and profit and loss accounts.
  • Interacting with Top Level Executives of large corporate which include( CEO/Promoters/CFO)
  • Calculating the various financial ratios and study of breakeven point analysis to arrive at Fund Based and Non- fund based limits that can be granted to company/client.
  • Preparing and submitting Credit Proposals for review/sanction by MCCC (Mid Corporate Credit Committee) of bank, headed by MD, GM and DGM's of the region.
  • Primarily handling credit exposures with ticket size of up to INR 5k Millions.
  • Monitored cash intake and deposit records, increasing accuracy and reducing discrepancies.
  • Exceeded sales goals and accomplished business objectives by inspiring staff and promoting target products.
  • Offered hands-on assistance to customers, assessing needs and maintaining current knowledge of consumer preferences.

As Retail Banker (P-segment Loans) :

  • To work as part of RACPC (Retail Assets Centralized ProcessingCell) as Processing Officer; undertaking the credit assessment of the prospective housing loan, car loan & education loan borrowers following the disbursement of the same with the stipulated TAT.
  • Prompt service in the post sanction area of P-segment loans like: ensuring the timely repayments, issuing notices in case of nonpayment.
  • Monitoring the probable NPA A/c and making a follow up on the same.
  • Dealing with any day to dayproblem that any client faces, like checks clearance of funds, stop payments, balance confirmations, issuing NOC for benefit of companies etc.
  • To work under Clearing checks Processing Cell- where processing of all checks are undertaken.
  • Maintaining of Customer relations and NRI business.
  • To Handle the General Banking operations like cash operations, A/C opening, ensuring fulfillment of KYC guidelines, opening of fixed deposits, making of demand drafts, allotment and processing of safe deposit lockers.

As a International Banker :

  • To handle the issue/ amendment/authorization of Import and Inland Letter of Credit. Authorizing payments under Import/ Export Bill Payments. Arranging fund under Buyers Credit as and when needed.
  • Granting of FCNR/ FCNB loans. Calculating the appropriate margins for the same.
  • Working under the Mercury Software for the FOREX rates and Authorizing the SWIFT messages.
  • Calculating the appropriate margins for the same.
06/2008 to 11/2008Deputy Manager (PL-Credit)Cholamandalam DBS Finance Ltd | New Delhi, India
  • Understanding credit history &Analyzing their cash inflows and outflows.
  • Trackingrepayment record & Calculating loan eligibility of applicant
  • Disbursing eligible loan amount to customer.
  • Portfolio management.
  • Controlling level of delinquencies and fraud in Personal loan segment
Education
2008Management in Business Finance | Business And FinanceIndian Institute Of Finance, Greater Noida,India
2006Bachelors of Commerce | Banking And FinanceSavitribai Phule Pune University, Pune, India
2011Master of Commerce | CommerceIndira Gandhi National Open University, Delhi,India
Certifications
  • Association of Mutual Fund in India (AMFI) Certified with ACE no. 117603
  • Certified for ‘Know Your Customer and Anti- Money Laundering' from IIBF
  • JAIIB from Indian Institute of Banking and Finance.
  • Certificate examination on Trade Finance from IIBF
Accolades
  • Held the position of “Student Secretary” of my college.
  • Won 3rd prize for my college at Inter College Group Discussion out of 30 B-schools present on 6th Feb 2008.
  • Represented my state at National level Swimming Competitions, won inter-school championship for constitutive three years.
  • Won creative writing competition at academic level.
  • Won many debates and quiz competitions in my school and college life.
  • Won 1st prize for my school in Inter-School Badminton Competition.
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Resume Overview

Companies Worked For:

  • Credit Suisse
  • Royal Bank Of Scotland
  • State Bank Of India
  • Cholamandalam DBS Finance Ltd

School Attended

  • Indian Institute Of Finance
  • Savitribai Phule Pune University
  • Indira Gandhi National Open University

Job Titles Held:

  • Business Risk Policy Manager
  • Senior Credit Risk Analyst
  • Assistant Manager
  • Deputy Manager (PL-Credit)

Degrees

  • 2008 Management in Business Finance | Business And Finance
    2006 Bachelors of Commerce | Banking And Finance
    2011 Master of Commerce | Commerce

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