Soham Mukherjee

About Soham Mukherjee

As an accomplished credit risk professional with over 14 years of experience in the financial sector, I specialize in credit appraisal, credit rating, and credit risk management/policy development.Experience lies in structuring and evaluating complex loans, particularly in Retail and MSME financing, showcasing proficiency in writing and rating intricate credit arrangements. Additionally, I am skilled in IT implementation and leverage analytical tools for credit risk recognition, measurement, and reporting, enhancing operational efficiency and decision-making processes.With extensive knowledge and practical application of IFRS-9, Expected Credit Loss (ECL) frameworks, risk-based pricing, ICAAP (Internal Capital Adequacy Assessment Process), and stress testing methodologies, I bring a comprehensive understanding of risk management practices.My experience includes delivering transformative risk advisory solutions to diverse domestic and international financial institutions, optimizing portfolio composition and profitability through expertise in credit underwriting, financial modeling, and risk management.Some achievements include :•Recognized by the Chief Risk Officer (CRO) of Union Bank of India with a Letter of Appreciation for designing and implementing a cutting-edge Risk Adjusted Return on Capital (RAROC) framework.•Developed a predictive statistical model leveraging macroeconomic indicators to accurately forecast the bank\'s future Gross Non-Performing Asset (NPA) levels.•Additionally, authored comprehensive Collateral Management and Credit Risk policies that streamlined risk mitigation strategies for the organization

Experience

1. Vice President Credit Risk Management

   Kotak Mahindra Bank

   Dec 2024 — Present · Mumbai, IN

Education

• CFA institute

  CFA, Finance and Financial Management Services

  2017 — 2019

• Madurai Kamaraj University

  Master of Business Administration - MBA

• Jain (Deemed-to-be University)

  Mcom, Accounting