Experience

Bahrain Development Bank

• Banking
• 100 - 200 Employee

• Chief Credit & Risk Officer

  • Apr 2016 - Present

  Responsible for Enterprise Risk Management and Risk Analytics with focus on Credit Risk, Market Risk, Operational Risk, Strategic Risk, Reputational Risk, Liquidity Risk, ALM, Credit Control, Credit Administration, Credit Analysis, Basel II/III, ICAAP, Stress Testing and Rating Models. Responsible for Enterprise Risk Management and Risk Analytics with focus on Credit Risk, Market Risk, Operational Risk, Strategic Risk, Reputational Risk, Liquidity Risk, ALM, Credit Control, Credit Administration, Credit Analysis, Basel II/III, ICAAP, Stress Testing and Rating Models.



United Arab Bank

• United Arab Emirates
• Banking
• 400 - 500 Employee

• Head - Risk Analytics

  • Sep 2013 - Feb 2016

   Setup Enterprise Risk Management division with focus on Basel II & III implementation.  Head of task force for implementation of Basel III.  Conducted Bottom-up Stress Testing as part of the Central Bank of UAE Macro Economic Stress Testing exercise. The Stress Testing was conducted for Base case and Severe case with macro-economic scenarios suggested by CBUAE.  Measured and monitored Pillar 2 risks and submitted ICAAP report to Central Bank of UAE  Member of General… Show more  Setup Enterprise Risk Management division with focus on Basel II & III implementation.  Head of task force for implementation of Basel III.  Conducted Bottom-up Stress Testing as part of the Central Bank of UAE Macro Economic Stress Testing exercise. The Stress Testing was conducted for Base case and Severe case with macro-economic scenarios suggested by CBUAE.  Measured and monitored Pillar 2 risks and submitted ICAAP report to Central Bank of UAE  Member of General Management Risk Committee, Board Risk Committee. Regularly presents to GMRC and BRC on Risk Management issues  Implemented Moody’s Risk Analyst and Retail and Corporate Loan Origination Systems  Implemented Retail and SME application and behavioral scorecards and collection scorecards from Experian Decision Analytics.  Implemented Moody’s regionalized Corporate and SME rating models.  Designed and Implemented Corporate/SME account profitability module with components Economic Profit, Funds Transfer Pricing, Account Profitability.  Credit portfolio management and portfolio risk analytics.  Implemented Moody’s corporate and SME rating models  Designed and developed ICAAP framework and identified all material risks.  Capital computation for all material risks.  Preparation of ICAAP statement to be submitted to the regulator.  Developed Economic capital models for other material risks categorized under Pillar 2  Prepared Capital Management Policy for the bank.  Measured Credit Concentration Risk using Herfindahl Hirschman Index for sectoral credit concentration  Ensured appropriate linkage between Moody’s Risk Analyst and Loan Origination Systems with Bank’s core systems and other source systems. Show less  Setup Enterprise Risk Management division with focus on Basel II & III implementation.  Head of task force for implementation of Basel III.  Conducted Bottom-up Stress Testing as part of the Central Bank of UAE Macro Economic Stress Testing exercise. The Stress Testing was conducted for Base case and Severe case with macro-economic scenarios suggested by CBUAE.  Measured and monitored Pillar 2 risks and submitted ICAAP report to Central Bank of UAE  Member of General… Show more  Setup Enterprise Risk Management division with focus on Basel II & III implementation.  Head of task force for implementation of Basel III.  Conducted Bottom-up Stress Testing as part of the Central Bank of UAE Macro Economic Stress Testing exercise. The Stress Testing was conducted for Base case and Severe case with macro-economic scenarios suggested by CBUAE.  Measured and monitored Pillar 2 risks and submitted ICAAP report to Central Bank of UAE  Member of General Management Risk Committee, Board Risk Committee. Regularly presents to GMRC and BRC on Risk Management issues  Implemented Moody’s Risk Analyst and Retail and Corporate Loan Origination Systems  Implemented Retail and SME application and behavioral scorecards and collection scorecards from Experian Decision Analytics.  Implemented Moody’s regionalized Corporate and SME rating models.  Designed and Implemented Corporate/SME account profitability module with components Economic Profit, Funds Transfer Pricing, Account Profitability.  Credit portfolio management and portfolio risk analytics.  Implemented Moody’s corporate and SME rating models  Designed and developed ICAAP framework and identified all material risks.  Capital computation for all material risks.  Preparation of ICAAP statement to be submitted to the regulator.  Developed Economic capital models for other material risks categorized under Pillar 2  Prepared Capital Management Policy for the bank.  Measured Credit Concentration Risk using Herfindahl Hirschman Index for sectoral credit concentration  Ensured appropriate linkage between Moody’s Risk Analyst and Loan Origination Systems with Bank’s core systems and other source systems. Show less



Dun & Bradstreet

• United States
• Information Services
• 700 & Above Employee

• Director & Practice Head (South Asia, Middle East and Africa) - Risk & Analytics

  • Jul 2008 - Sep 2013

  Head of the Financial Risk Management & Basel II consulting practice at Dun & Bradstreet South Asia, Middle East and Africa and advises Banks and Financial Institutions on Enterprise Risk Management practices.  Originated, lead and managed highly complex Enterprise Risk Management implementation projects for banks.  Executed several large scale risk management consulting assignments for top tier banks in the region.  Advised banks on advanced risk management practices and… Show more Head of the Financial Risk Management & Basel II consulting practice at Dun & Bradstreet South Asia, Middle East and Africa and advises Banks and Financial Institutions on Enterprise Risk Management practices.  Originated, lead and managed highly complex Enterprise Risk Management implementation projects for banks.  Executed several large scale risk management consulting assignments for top tier banks in the region.  Advised banks on advanced risk management practices and established state of the art risk management frameworks.  Responsible for delivery of all risk management projects and client relationship management.  Responsible for managing P&L and achieving budgets, Team management and performance appraisals.  Building Risk Management domain capabilities within the consulting services track through articles, white papers & trainings.  Industry, Market and competition analysis with reference to risk management and tracking the industry growth & trends. Show less Head of the Financial Risk Management & Basel II consulting practice at Dun & Bradstreet South Asia, Middle East and Africa and advises Banks and Financial Institutions on Enterprise Risk Management practices.  Originated, lead and managed highly complex Enterprise Risk Management implementation projects for banks.  Executed several large scale risk management consulting assignments for top tier banks in the region.  Advised banks on advanced risk management practices and… Show more Head of the Financial Risk Management & Basel II consulting practice at Dun & Bradstreet South Asia, Middle East and Africa and advises Banks and Financial Institutions on Enterprise Risk Management practices.  Originated, lead and managed highly complex Enterprise Risk Management implementation projects for banks.  Executed several large scale risk management consulting assignments for top tier banks in the region.  Advised banks on advanced risk management practices and established state of the art risk management frameworks.  Responsible for delivery of all risk management projects and client relationship management.  Responsible for managing P&L and achieving budgets, Team management and performance appraisals.  Building Risk Management domain capabilities within the consulting services track through articles, white papers & trainings.  Industry, Market and competition analysis with reference to risk management and tracking the industry growth & trends. Show less



Oracle

• United States
• IT Services and IT Consulting
• 700 & Above Employee

• Senior Consultant - Risk Management

  • Aug 2005 - Jul 2008

  Delivered Enterprise Risk Management, Basel II Implementation & Analytics projects and worked with top tier clients across the globe.  Execution of ERM consulting assignments.  Reveleus Basel II risk management software solution implementation.  Lead large scale ERM implementation projects and acted as the implementer of the Basel II project through the involvement of the technical Basel II team as well as the other relevant functional units of the Bank, such as Credit Risk… Show more Delivered Enterprise Risk Management, Basel II Implementation & Analytics projects and worked with top tier clients across the globe.  Execution of ERM consulting assignments.  Reveleus Basel II risk management software solution implementation.  Lead large scale ERM implementation projects and acted as the implementer of the Basel II project through the involvement of the technical Basel II team as well as the other relevant functional units of the Bank, such as Credit Risk, Operational Risk, Market Risk, business units and other support functions of the Bank.  Closely interacted with all the relevant Basel II related functional areas in the Bank in terms of obtaining their buy-ins, creating awareness of ERM as well as continuously advising and highlighting the benefits of implementing the Basel II in the Bank.  Managed several large scale assignments on risk management and business process re-engineering for top tier clients. Show less Delivered Enterprise Risk Management, Basel II Implementation & Analytics projects and worked with top tier clients across the globe.  Execution of ERM consulting assignments.  Reveleus Basel II risk management software solution implementation.  Lead large scale ERM implementation projects and acted as the implementer of the Basel II project through the involvement of the technical Basel II team as well as the other relevant functional units of the Bank, such as Credit Risk… Show more Delivered Enterprise Risk Management, Basel II Implementation & Analytics projects and worked with top tier clients across the globe.  Execution of ERM consulting assignments.  Reveleus Basel II risk management software solution implementation.  Lead large scale ERM implementation projects and acted as the implementer of the Basel II project through the involvement of the technical Basel II team as well as the other relevant functional units of the Bank, such as Credit Risk, Operational Risk, Market Risk, business units and other support functions of the Bank.  Closely interacted with all the relevant Basel II related functional areas in the Bank in terms of obtaining their buy-ins, creating awareness of ERM as well as continuously advising and highlighting the benefits of implementing the Basel II in the Bank.  Managed several large scale assignments on risk management and business process re-engineering for top tier clients. Show less



IndusInd Bank

• India
• Banking
• 700 & Above Employee

• Chief Manager - Risk & Compliance

  • Dec 2000 - May 2005

  • Developed Risk management policies, procedures. Credit assessment procedures and software implementation. • Captured and analyzed loss data events, identified key risk indicators. Assessed the risk in order to make informed decisions using qualitative and quantitative methodologies and reducing the likelihood and impact of loss events. • Closely interacted with senior management and line executives across the bank to enhance operational risk management awareness within the bank… Show more • Developed Risk management policies, procedures. Credit assessment procedures and software implementation. • Captured and analyzed loss data events, identified key risk indicators. Assessed the risk in order to make informed decisions using qualitative and quantitative methodologies and reducing the likelihood and impact of loss events. • Closely interacted with senior management and line executives across the bank to enhance operational risk management awareness within the bank. Frequent risk assessments done to ensure the quality of controls. • Designed the strategy on Risk based supervision of branches. Assessed the risk profiles of branches in various functional areas and arrived at Business Risk and Control Risks separately and converted Risk profile into Risk matrix. • Established and managed a robust system of internal audit/control and compliance system. Conducted regular internal audit of the branches and departments and recommended appropriate internal audit/control procedures and assisted in implementing them. • Disseminate the results of risk identification, assessment and measurement to Business, Finance, Operations, IT and other functions and report results to the CEO, various committees as well as to the Board of Directors. • Coordinating, reporting and reconciliation with Finance, internal/external Auditors and Central Bank on various financial statements and statistics. Show less • Developed Risk management policies, procedures. Credit assessment procedures and software implementation. • Captured and analyzed loss data events, identified key risk indicators. Assessed the risk in order to make informed decisions using qualitative and quantitative methodologies and reducing the likelihood and impact of loss events. • Closely interacted with senior management and line executives across the bank to enhance operational risk management awareness within the bank… Show more • Developed Risk management policies, procedures. Credit assessment procedures and software implementation. • Captured and analyzed loss data events, identified key risk indicators. Assessed the risk in order to make informed decisions using qualitative and quantitative methodologies and reducing the likelihood and impact of loss events. • Closely interacted with senior management and line executives across the bank to enhance operational risk management awareness within the bank. Frequent risk assessments done to ensure the quality of controls. • Designed the strategy on Risk based supervision of branches. Assessed the risk profiles of branches in various functional areas and arrived at Business Risk and Control Risks separately and converted Risk profile into Risk matrix. • Established and managed a robust system of internal audit/control and compliance system. Conducted regular internal audit of the branches and departments and recommended appropriate internal audit/control procedures and assisted in implementing them. • Disseminate the results of risk identification, assessment and measurement to Business, Finance, Operations, IT and other functions and report results to the CEO, various committees as well as to the Board of Directors. • Coordinating, reporting and reconciliation with Finance, internal/external Auditors and Central Bank on various financial statements and statistics. Show less



Indian Bank

• India
• Banking
• 700 & Above Employee

• Assistant Manager - Corporate Credit

  • Feb 1992 - Dec 2000

  • Quarterly loan review of above USD 1 million accounts and non-performing assets management. • Basel I risk weighted assets computation and capital adequacy calculation. • Corporate credit assessment, loan origination and loan review. • Trade Finance operations, Letters of credit, Documentary collections, export working capital financing, Export Credit Guarantee Corporation guaranteed exposures, factoring and forfeiting. • Branch management, branch operations, profitability… Show more • Quarterly loan review of above USD 1 million accounts and non-performing assets management. • Basel I risk weighted assets computation and capital adequacy calculation. • Corporate credit assessment, loan origination and loan review. • Trade Finance operations, Letters of credit, Documentary collections, export working capital financing, Export Credit Guarantee Corporation guaranteed exposures, factoring and forfeiting. • Branch management, branch operations, profitability, manpower planning, performance management. Show less • Quarterly loan review of above USD 1 million accounts and non-performing assets management. • Basel I risk weighted assets computation and capital adequacy calculation. • Corporate credit assessment, loan origination and loan review. • Trade Finance operations, Letters of credit, Documentary collections, export working capital financing, Export Credit Guarantee Corporation guaranteed exposures, factoring and forfeiting. • Branch management, branch operations, profitability… Show more • Quarterly loan review of above USD 1 million accounts and non-performing assets management. • Basel I risk weighted assets computation and capital adequacy calculation. • Corporate credit assessment, loan origination and loan review. • Trade Finance operations, Letters of credit, Documentary collections, export working capital financing, Export Credit Guarantee Corporation guaranteed exposures, factoring and forfeiting. • Branch management, branch operations, profitability, manpower planning, performance management. Show less