Santosh Pandey

Deputy Manager @Utkarsh Small Finance Bank

Varanasi, IN

ALM Automation & Implementation: Led ALM automation using Surya Software (BALM & BASEL), delivering RBI-compliant reports, streamlining MIS processes, preparing BRDs, executing UAT, and enhancing data accuracy and audit readiness.• Regulatory Reporting & Supervisory Compliance: Prepared and validated RBI reports (LR, BLR, IRS, NSFR) with precise balance sheet alignment; supported behavioral analysis, stock ratio submissions, and timely filing of SLS, DGA, LCR, and NSFR. Contributed to RBS data point compilation under RBI\'s supervisory framework.• ALCO & RMC: Prepared ALCO and RMC notes, minutes, synopsis, and policy reviews in line with RBI norms; monitored market risk limits, conducted rate scans and trend analysis, and ensured timely reporting for monthly meetings.• Policy Review & Strategic Analysis: Co-authored policies for Market Risk, ALM, and Treasury Mid Office; conducted ALM projections, maturity gap analysis, counterparty profiling, and behavioral analysis to optimize deposit mix and liquidity strategy.• Audit & Regulatory Engagements: Supported statutory and internal audits, RBI visits, and ad hoc requests from management and regulators; performed impact analysis for circular amendments and ensured prompt, compliant responses.

Atomic Energy Central School Jadugoda

High School, HSC

Maharashtra Institute of Technology Pune

Bachelor’s Degree, Bachelors in Commerce

Atomic Energy Central School Jadugoda

Associate’s Degree, SSC (Commerce)

Maharashtra Institute of Technology

Post Graduate Diploma In International Business, International Business

Army Institute of Management, Kolkata

Master of Business Administration (M.B.A.), Finance