Vivek Ramesh
Assistant Credit Risk Manager @OSB Group
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WORK HISTORY
Assistant Credit Risk Manager @OSB Group
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
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
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