Karumbaiah K K

About Karumbaiah K K

Credit Risk and Regulatory Capital Consultant specialising in Basel / Basel 3.1, RWA optimisation and risk‑adjusted pricing for global banks.At Wipro, I deliver regulatory‑compliant pricing and capital frameworks for Tier‑1 banks, embedding PD, LGD, EAD, Expected Loss and Revenue/RWA into enterprise credit decisioning and capital optimisation programmes. My work supports ICAAP, regulatory reporting and supervisory readiness, ensuring commercial growth remains aligned with regulatory capital efficiency.Core strengths: include Basel / Basel 3.1 & PRA Regulations, Regulatory Capital & RWA Optimisation, Credit Risk Modelling (PD, LGD, EAD, Expected Loss), Risk‑Adjusted Pricing & Profitability, ICAAP & Regulatory Reporting,Stakeholder Leadership across Risk, Finance & TreasuryBefore Wipro, I was a Senior Associate at Taxnivaran and Subek Agarwal & Associates, where I provided management consulting, auditing, and tax services to BFSI clients. I have a proven track record of successfully representing clients in arbitration forums and guiding key financial decisions on asset acquisition and fund optimization.I hold a PGDM in Finance, Analytics, and Systems from SDMIMD, where I graduated as a Gold Medalist. I am a PSPO-1 and FFR certified professional. My academic pursuits include co-authoring a research paper proposing a blockchain-based framework for India\'s E-Rupee implementation, guided by professors from Kennesaw State University, USA.

Experience

1. Consultant

   Wipro

   Jun 2024 — Present · Bengaluru, IN

   Owned product features and requirements as a functional team and drove the development. Worked on developement of credit origination platform and upgradation to the international banking standards and PRA Regulations.A part BFSI business unit primary focus in risk and compliance practice that helps clients drive business and IT transformation while being complaint to the latest industry standardsUnderstanding client requirements and Interact with customer and articulate requirements to deliver the most value. Develop detailed functional specifications as input for our systems analysis.Create and transform user level criteria to functional and actionable solutions with highest yield in terms of value.

Education

• SDM Institute for Management Development

  Master in business administration, Finance and Financial Management Services

• Vidya vardhaka first grade college

  Bachelor of Commerce - BCom, Corporate finance and taxation

  2014 — 2017

• GGVP

  High School , General Studies

• Marimallapa Pre-Univeristy College

  Pre-Univeristy College, Business/Commerce, General