Piyush Singhal

About Piyush Singhal

Manager in Risk Analytics Unit at HDFC Bank limited. My key responsibility is to formulate collections strategy for Bank\'s secured products. This involves building analytical models for pre-emptive identification of bad customers, collaborating with Policy/Product teams for constant revision of strategies and monitoring portfolio regularly to maintain robust asset qualityI have completed Post-graduation from Narsee Monjee Institute of Management Studies, Mumbai with a specialization in FinancePrior to that, I have 4 years of work experience with Evalueserve where I worked in areas like Investment banking, Valuation, Wealth Management and Process automationFrom improving product sourcing and recovery to formulating collections strategy to preparing pitch books and company valuation to automating processes for optimization, I have handled projects that not only covers a wide spectrum but also showcase my ability to learn new things and adapt to any role

Experience

1. Manager

   HDFC Bank

   May 2019 — Present · Mumbai, IN

   Risk Modelling:Built Risk models to control flows and increase resolutions. This broadly involves below steps- Product level understanding including market share and bank\'s current positioning, portfolio size, policies and regulatory requirements- Customer behaviour with respect to payments, demographics, bureau history, bounces, DPD, contactability, relationships with other banks, etc- Model building to predict risky customers- Model deployment involves rolling out to front end teams and collaborating with them to define interventions that customers will be subjected to based on their riskiness- Performance monitoring and assessment to maintain robust asset quality2. Strategic Improvement:STP - Straight Through Process- Designed an STP framework to expedite settlement process in Agriculture portfolio and better manage NPA cases- This lowered the burden at NCH and ZCLM levelWallet Share- Objective was to determine market standing of bank\'s PL portfolio against other players (public, private, foreign, NBFCs)- Performance in terms of flow and resolutions was measured at bucket level, ticket size level and geographic level- Insights generated were shared with Product team to maintain leadership and improve wherever requiredEarly Exit- This project was undertaken during moratorium period to identify vulnerable customers and make an early exit rather than drag them along and incur loss later- Activity was conducted across all products wherein information like job status, location, leverage, moratorium, bureau, etc. was used to arrive at vulnerable base3. Advanced Modelling techniques- To ensure best results, continuous improvements in modelling techniques and deployment are made- Recently I have used Unsupervised method to create customer clusters based on their behaviour who were then subjected to Supervised approach to develop a robust predictive model

Education

• Shaheed Sukhdev College of Business Studies, Delhi University

  Bachelor of Business Studies (B.B.S), Business Administration and Management, General

  2010 — 2013

• SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

  Master of Business Administration - MBA

  2017 — 2019

Skills

• Financial Services
• Vba
• Html
• Css
• Advanced Excel
• Data Analysis
• Sql
• Javascript
• Microsoft Word
• Investment Management
• Market Research
• Microsoft Access
• Powerpoint
• Microsoft Excel
• Microsoft Office
• Portfolio Performance Analysis
• Financial Analysis
• Team Management
• Portfolio Management