Santhosh Kumari Balaji
AVP @ Citi - Credit Risk | Regulatory Reporting | Stakeholder Management | Investigative Analysis
- Role
- Assistant Vice President, Senior Business Analyst at Citi
- Location
- Chennai, TN, IN
- LinkedIn followers
- 500 followers
About Santhosh Kumari Balaji
With over 10 years of experience across global financial institutions, I am a dedicated Credit Risk Business Analyst specializing in transforming complex regulatory requirements (Basel, CECL/IFRS 9) into actionable technical solutions. My expertise lies in bridging the gap between quantitative risk modeling, IT implementation, and business strategy.I currently drive critical projects at Citibank, focusing on enhancing risk rating models, optimizing credit loss forecasting, and ensuring robust data governance. My background at Bank of America and prior consulting roles at Hexaware gives me a unique perspective on scaling risk operations, process re-engineering, and leveraging data for superior portfolio decision-making.Core Expertise:* Credit Risk Modeling & Validation* Regulatory Reporting (CECL, Basel Accords)* Business Process Re-engineering* Financial Data Analysis (SQL, Python/R for reporting)* Stakeholder Management & Cross-Functional Leadership
Experience
Assistant Vice President, Senior Business Analyst
Aug 2020 — Present · Chennai, IN
Education
Bharathidasan University, Tiruchirappalli
Master of Science - MS, Biotechnology
University of Madras
Bachelor of Science - BS, Microbiology, General
Anna University Chennai
Master of Computer Applications - MCA, Information Technology
2008 — 2011
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