Shubham Kadwal

About Shubham Kadwal

Risk Officer at Citi, specializing in the production and implementation of risk modeling solutions for US Personal Banking. I am responsible for deploying key regulatory and stress-testing frameworks including CCAR, CECL, CCAR-in-CECL, GSST, RST, IFRS, and FRB models across quarterly and monthly cycles, along with managing analytical runs and ensuring data integrity to support robust risk assessment and regulatory compliance.Previously, I worked as a Risk Associate at Hero FinCorp and as a Data Analyst at Utkarsh Small Finance Bank, where I contributed to multiple data-driven projects delivering actionable insights and business solutions. My experience includes building Expected Credit Loss (ECL) models for consumer loans, developing Early Warning Systems (EWS) for advances, and conducting audits such as IFC, Revenue Leakage, Credit Fraud Risk, and NPA asset classification and provisioning.I hold a Master’s degree in Operational Research from Delhi University, which strengthens my analytical thinking and problem-solving capabilities. With strong proficiency in Python, SQL, and Excel, I am adept at handling large and complex datasets to drive meaningful outcomes.I aim to leverage my expertise in risk analytics and regulatory modeling to contribute to strategic decision-making and enhance financial risk management frameworks.

Experience

1. Risk Officer

   Citi

   Oct 2025 — Present · Gurugram, IN

   CCAR & CECL models implementation and production.

Education

• Delhi University

  Master's degree, Operational Research

• Delhi University

  Bachelor of Science - BS, Mathematics