Girish Khandelwal

About Girish Khandelwal

Highly motivated and results-driven analytics professional with 11+ years of comprehensive experience in the banking and financial services domain. Strong specialization in Credit Risk Management, Business Data Analytics, Collection Strategy, and Model Monitoring & Validation across acquisition, behavioral, and collection models. Demonstrated expertise in developing and maintaining analytical frameworks using SAS, SQL, and advanced statistical techniques to evaluate model performance, identify emerging risks, and ensure regulatory compliance. Proficient in Basel and IFRS9 regulatory reporting, championing data accuracy, model governance, and end-to-end risk lifecycle management. Known for delivering actionable insights, optimizing risk strategies, and supporting cross-functional teams to drive business growth and operational efficiency. Seeking a challenging role in a reputed organization to leverage deep domain knowledge and contribute to data-driven decision-making and strategic risk management.

Experience

1. Senior Consultant Credit Risk & Data Analytics, Model Monitoring

   EXL

   Jul 2022 — Present · Gurugram, IN

   Functional Role- Senior ConsultantProject – Credit Risk Business Data Analytics & Model Monitoring• Leading the PIL & USRB team responsible for the validation and ongoing monitoring of acquisition, Deposit, collection & ECM credit risk models for a leading US bank, Overseeing the evaluation of model performance across multiple out of time vintages and ensuring alignment with development and reference samples.• Create and maintain (SAS & SQL) programs to produce outputs to support the analysis and reporting of performs peer review of all SAS Programmers deliverables.• Senior stakeholders and business leaders, driving data-driven decision-making at the technologies and methodologies within data science, Credit, Wholesale & Market Risk analytics solutions.• Prepared business stakeholders’ documents for, complex business challenges into actionable analytical solutions and manage workstreams for large and small projects, overseeing the quality of deliverables for team members.• Engaging stakeholders and participating in discussions with in IFRS9, models. Prepared scorecards models (Portfolio -Acquisition, Consumer, and Collections) for the purpose of model monitoring, ensuring compliance and regulators.• Worked with credit bureau data (FICO, Equifax & Experian score) for credit risk assessment & portfolio monitoring in compliance, predict default risk and improved lending decision • Delivered structure RCA documentations to the MRM team and ensured timely breach resolution in alignment with regulatory standards and internal controls across both the PIL & USRB portfolio.• To prepared model performance metrics (KS, ROB, PSI & MAPE) and a detailed model monitoring plan to ensure continued use of these Application & behavioural models. Also prepared MDD, AMR & OPA documents for model monitoring.

Education

• Rustamji Institutes of Technology (BSF)

  Master of Technology (MTech), Communication and System

  2012 — 2014

• Rajiv Gandhi Prodyogiki Vishwavidyalaya

  Graduate degree, electronics & communication engineer

  2008 — 2012

• Manipal Academy of Higher Education

  Master of Business Administration - MBA, Banking & Finance

Skills

• Sql
• Microsoft Office
• C
• Vendor Management
• Microsoft Excel
• Corporate Banking
• Corporate Finance
• Financial Analysis
• Macro
• Financial Accounting
• Data Quality Assurance
• Operations Management
• Visual Basic for Applications (Vba)
• Management Information Systems (Mis)
• Data Migration
• Data
• Data Analysis
• Team Management
• Data Validation
• Management
• Bank Reconciliation
• C++
• Software Development
• Business Analysis