Vivek Ramesh

About Vivek Ramesh

Experience of 8.5 years as SAS Programmer, SQL Programmer, Credit Risk Analytics, Fraud & Risk Analytics, Marketing & Consumer Analytics, Campaign Execution & Management, Client & Stakeholder Management, Power BI, Agile Framework-> Good experience in SAS Programming using Base SAS, SAS SQL Queries and SAS Macros in Windows and SAS viya-> Worked extensively on Credit Risk, Solvency Risk, Assets Risk, Fraud & Risk Management and Campaign Execution in BFSI Domain-> Experience in creating & managing Risk assessment pack, Risk masseurs, Early Warning Indicators(EWIs), Key Risk Indicators(KRIs), Arrears & Forbearance Analysis, Risk Appetite Reporting and Regulatory reporting-> Experience in creating different types of campaigns like Cross-sell, Upsell, Acquisition, Marketing, Service, Compliance, Retention etc-> Worked extensively on data validation, cleaning, integration, manipulation, interpretations and conclusion using SAS Merge & SQL Joins, SAS & SQL Functions, Proc Freq, Proc Means, Proc Sort-> Significant experience in Team handling, Requirement gathering, Client & Stakeholder interaction and Management-> Conducting Affordability Analysis (DTI, LTI, ICR, LTV), Performance Analysis (Default & Delinquency, LGD, Vintage Analysis, Roll Rate) and Valuation & Profitability Analysis-> Creating monthly report for Internal Rating based(IRB) parameters like PD, LGD, EAD & RWA and IFRS9 parameters like expected credit loss(ECL), Stage allocation, Loss provisioning, LPA & possessions

Experience

1. Assistant Credit Risk Manager

   OSB Group

   Apr 2025 — Present · Bengaluru, IN

   Project Description: Working for OneSavings Bank Group (UK Bank – OSB/Kent Reliance /Precise/CCFS/InterBay Assets Finance/Heritable) specialist lending /mortgage and retail savings bank of UK. We create & manage credit pack, critical analysis and credit paper for risk assessments, risk management & preventions. We create multiple reports like Early Warning Indicators, Key Risk Indicators, Risk Appetite Statements, Arrears & Forbearance Report, various Regulatory & compliance reports for PRA, FCA and Bank of England (BoE). Responsibilities:• Handling a team of 4 members and utilize them as per need. • Applying various analytics techniques to produce Early Warning Indicators (EWIs), Key Risk Indicators (KRIs), Risk Appetite Statements, Arrears & Forbearance Analysis, Roll Rate Analysis, Bureaus Score Analysis.• Writing decision making paper and analysis for Group Credit Committee and publishing the same to Regulators (PRA, FCA, BoE). • Conducting Affordability Analysis (DTI, LTI, ICR, LTV), Performance Analysis (Default & Delinquency, LGD, Vintage Analysis, Roll Rate) and Valuation & Profitability Analysis. • Creating monthly report for Internal Rating based(IRB) parameters like PD, LGD, EAD & RWA and IFRS9 parameters like expected credit loss(ECL), Stage allocation, Loss provisioning, LPA & possessions. • Creation and Management of Credit pack for bank executives & regulatory bodies (PRA, FCA, BoE).

Education

• Maharaja Surajmal Institute Of Technology

  Bachelor's degree, Electrical, Electronics and Communications Engineering

  2010 — 2014