Richa Ranjan

Senior Analyst Manager Loss Forecasting & Production Governance @BMO

Toronto, ON, CA
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WORK HISTORY

Sep 2021 — Present

Senior Analyst Manager Loss Forecasting & Production Governance @BMO

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Toronto, ON, CA

Formulate the due diligence responses used by CRO and maintain the bank’s collective allowance model leading to effective credit management -Perform experimental approaches to validate findings for assessing general allowance balances, and report actionable business recommendations in collaboration with internal teams including finance, economics, and modelling-Participate in the quarterly risk management discussions & analysis on public disclosures including verification of the credit section of the financial supplementary package and quarterly submissions to meet regulatory expectations

EDUCATION

2011 — 2014

Delhi University

B.Com Hons

2019 — 2021

Schulich School of Business - York University

Master of Business Administration - MBA

2023 — 2024

New York Institute of Art and Design

Wedding Planning

2019 — 2021

York University

Graduate Diploma in Culture, Communication and Leadership in Canadian Business

2013 — 2015

University of Delhi

Certification

ABOUT RICHA RANJAN

I am a risk and compliance professional with 9 years of experience in the financial services industry, specializing in governance, regulatory compliance, and internal controls. My career has been built on delivering value through strong stakeholder engagement, team leadership, and effective communication with executives, auditors, and clients. I bring expertise in developing and enhancing compliance frameworks, interpreting risk data, and managing key risk indicators to support informed business decisions. Beyond my technical foundation, I thrive in collaborative environments where I can guide teams, foster trust, and translate complex issues into practical, results-oriented solutions. What sets me apart is my ability to balance analytical rigor with creativity- whether leading client interactions, managing audit reviews, or driving cross-functional initiatives. These transferable skills allow me to contribute not only within risk and compliance, but also in broader areas such as strategy, transformation, operations, and stakeholder engagement. I am passionate about driving sustainable growth by empowering teams, strengthening governance, and building meaningful relationships across all levels of the organization.

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Richa Ranjan — Senior Analyst Manager Loss Forecasting & Production Governance at BMO in Toronto, ON, CA | Unifers