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Manager Sales

Toronto, ON, Canada
February 26, 2020

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Toronto, Mobile +1-647*******),


Business Banking

Quantitative Finance

Advanced Analytics

OSFI guidelines/Basel III Statistical modeling Regulatory Capital

Data modelling Python/R PowerBI


Master of Business Administration, Queen’s University, Kingston, ON, Canada 2014-2015 Bachelor of Engineering, Anna University, India 2002-2006 CERTIFICATIONS

FRM Certified May 2017

PMP – Project Management Professional, PMI Certified Dec 2014

CFA – Level 2 enrolled for June 2020


Senior Manager – Scotiabank, Risk Capital Analytics, Toronto Aug 2017 – present

Established Expected Credit Loss (ECL) model for the Business Banking portfolio including Letter of Credits, Guarantees, Debt Securities and other loan products centered on forward looking principle to efficiently manage the Bank’s losses.

Responsible to communicate senior management and senior credit committee detailing methodology, macro- economic drivers, model changes, corporate book credit quality and volume change, parameter attribution and other analytics thereby providing the senior management precise tool to approve or adjust the provisioning.

Work closely with Corporate Credit and Special Accounts Management during the process of restructuring facilities by providing risk return, loss estimates and RWA for various product structures, maturities, collateral types and exposures.

Work with Finance department for the external disclosure of bank’s credit risk information. Conduct peer bank analysis to continuously monitor and benchmark BNS with the current industry standards in credit risk.

Delivery of timely and accurate ECL results and analysis to GBM office and subsidiaries in BNS London, SBE, SIDAC Ireland, Singapore and Asia pacific to help the business line in accurate P&L forecast.

Peer benchmark analysis on a quarterly basis to find insights on industry changes and trends in credit risk.

Optimized regulatory capital for the bank by bringing in external ratings, maturity correction and data improvement.

Manager – Scotiabank, Risk Capital Analytics, Toronto July 2016 – Aug 2017

Developed ECL calculation methodology for corporate and commercial portfolio in compliance with the new IFRS 9 standards helping the bank to be ready for the target date.

Modelled probability of defaults from the banks historical defaults and downgrade experience.

Modelled scaling factors for various standardized portfolio bench marked against reference AIRB portfolio by comparing historical write-offs to achieve consistent ECL treatment approach.

Delivery of timely and accurate ECL results/analysis achieved through automation of reporting process. Communicate ECL results with Business Lines, Finance team (for loss allowance ), and OSFI.

Established a uniform definition of commercial portfolio from Small business overlap by coordinating with Enterprise Risk and the business lines to halt the double counting in the Risk measurement process.

Manager – Credit Risk Origination Strategy - Small Business, Toronto Aug 2015 – July 2016

Managed Small Business Origination by performing customer segmentation based on internal risk rating, bankruptcy score, demographic segments and market information to strategize the credit limit increase/decrease to drive sales and lower Expected credit loss.

Executed various Campaign strategies for Canada and Caribbean through identification of low risk segments resulting in new credit product offerings to grow the portfolio while minimizing probability of customer defaults.

Automated various origination, delinquency performance and Risk Appetite reports using SAS, thus making the information readily available to senior management for timely decisions.

Liaised Fintech project providing analyses through validation of Risk models including the development of data process integrating with existing Bank customer information targeted to achieve 30% cross-sell conversion rate. Customer Insights and Analytics Intern, LoyaltyOne, Toronto May 2015 – Aug 2015

Modelled Post-Campaign Analytics to measure sales lift, response rate, activity rate, ROI etc. and to identify opportunities to improve effectiveness of future campaigns and maximize net benefit for clients

Performed in-depth competitor analysis by correlating sales growth of each store with distance from competitor store location and identified a trend in sales fall to help strategize future course of action Business Consultant / Solution Architect - Lloyds Bank, UK (2011-2012) / India Jan 2010 – Dec 2013

Responsible for designing SOA based applications focused on MUCE principle.

Successfully managed a team of software engineers and implemented software application integration of two major banks in the UK (HBOS and Lloyds) with responsibilities including data modelling, data analysis, data quality check, requirement analysis, project estimation and stakeholder management.

Generated business from existing accounts by providing consulting for software application modernization and performance efficiency.

Optimized development and defect management process by analyzing defect turnaround time, recurring defects, and defect fixes per person/team broken down by functional area, team, complexity and severity Software Engineer - Discover Credit Cards (Settlement), Chennai, India June 2006 – Dec 2009

Maintained Discover Credit Card Settlement application and delivered more than 20 Business-As-Usual software projects over a span of 3 years as a mainframe programmer.

Received BFSI vertical's 'Star of the Quarter Award' for initiating performance improvement (database query optimization) and successfully delivering cost savings (around $80,000 per year) in the Discover Credit Card system.

Developed complex data analysis projects to help business team strategize and implement financial decisions based on over 10 million credit card transactions per day; received ‘Dream Team’ award for the streamlined project delivery Queen’s MBA, Specialization: Business Consulting 2014

Assessed TTC peak hour traffic data and developed an analytical model to maximize capacity utilization and reduce traffic during peak hours by dynamically pricing ticket fares

Recommended operational improvements and go-to market strategy to a Kingston based Tattoo Company by analyzing operations, organizational structure and sales information in role of consultant.

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