Akshay Pasad

About Akshay Pasad

Portfolio Credit Risk Analyst with experience of 4+ years of actively managing Secured…

Experience

1. Manager

   HDFC Bank

   Jan 2023 — Present · Mumbai, IN

   Integrated Risk Management- Microfinance1. Overseeing Risk Management: Overseeing development and implementation of risk management policies and procedures to ensure regulatory compliance to mitigate credit risks in the microfinance industry.Ensuring adherence to Basel II and Basel guidelines to maintain robust risk management frameworks.2. Credit Policy and Risk Appetite Statement: Managing changes to the credit policy, risk appetite, and risk limits to align with organizational goals and regulatory standards.Implementing strategies to balance risk and return, ensuring sustainable growth3. Portfolio Reviews and Optimization: Monitoring of KRI’s and performance metrics by conducting periodic portfolio reviews with stakeholders Developing corrective actions to address identified issues and enhance portfolio performance, reducing delinquency below agreed benchmarks and thresholds.4. Cross-Functional Collaboration: Collaborating with credit risk management, lending operations, and finance teams to ensure alignment and coordination in portfolio management activities.Facilitating effective communication and cooperation among different departments to achieve common risk management objectives.5. Assessment and Mitigation of:o Material Credit Riskso Climate Riskso Concentration Riskso Credit Costso Model Risk6. Internal Audit and Compliance: Ensuring compliance with internal audit standards and regulatory requirements.

Education

• K J Somaiya College of Science & Commerce

  Electronics

  2010 — 2012

• GARP Global Association of Risk Professionals

  FRM Financial Risk Manager, Risk Finance

• Shri Vile Parle Kelavani Mandals Dwarkadas J. Sanghvi College of Engineering

  Bachelor of Engineering (B.E.), Electronics and Telecommunaition Engineering

  2012 — 2016

• K J Somaiya Institute of Management

  Master of Business Administration - MBA, Finance, General

  2018 — 2020

Skills

• Unix
• Psoc
• Electronics
• Microsoft Word
• Team Leadership
• Powerpoint
• Microsoft Excel
• Public Speaking
• Leadership
• Management
• Windows
• Telecommunications
• Teamwork
• Team Management
• Microsoft Office
• Sales
• Arm Cortex-M
• C
• Programming
• Sql