AVP - Enterprise Risk Management

• Oct 2021 - Present

Chief Manager

• Apr 2016 - Oct 2021

Chief Manager in Risk Management Department looking after Asset Liability Management, Credit Risk, Basel Implementation, Capital PlanningKey Result AreasAsset Liability Management• Implemented ALM projects in areas of Fund Transfer Pricing, Static ALM, Dynamic ALM, LCR and Liquidity Model. • Involved in building Data Mining Models for Behavioral analysis of non- maturing line items of Asset and Liability using SPSS Modeler statistical software.• Monitoring and guiding preparation of SLS, LCR, NSFR and IRS, EAR analysis, duration analysis, investment analysis, contingency liquidity plan, roll-over study of deposit, embedded option and various ALM policies• Attending to RBI/AFI and other audits and their compliance, • Convening ALCO meetings • Implemented MCLR system and its review on monthly basis• Review of deposit rates on a periodic basis • Submission of Tranche 1 and 1A data under Risk Based Supervision to RBIBasel III Credit Risk• Overseeing the implementation of Basel advance approach under IRMS project for Credit risk• Implementation of RAROC concept• Review of ICAAP document, stress testing on a periodical basis• Validation of RAM LCM model in consultation with CRISIL• Validation of manual retail scorecards• Development of manual scorecard for agriculture advances upto Rs.1.00 cr• Assisting IND AS team in developing ECL models

Senior Manager

• Jul 2013 - Apr 2016

Worked as Branch Head in Central Bank of India Assandh branch responsible for overseeing and managing the overall functioning of branch, sanctioning of credit proposals and monitoring and recovery of loan portfolio

Manager

• Jul 2010 - Jul 2013

Worked as Manager in Foreign Exchange Department and Credit Department in B/o Civil Lines Jalandhar and Regional Office Jalandhar