Joby Abraham Thomas

• Strengthened Risk Management framework (based on COSO Framework/ ISO standards)
aligned with RBI's NCAF and Basel III, enhancing compliance across digital banking and
payment platforms.
• Directed enterprise-wide RCSA processes, mitigating risks in KYC/AML, IT systems, and BC
operations using real-time monitoring and anomaly detection tools.
• Designed and implemented fraud risk monitoring mechanisms, leveraging tools like Maquette
to identify and mitigate fraudulent transaction.
• Implemented Business Continuity Management (BCM) framework with unplanned BCP drills and a Crisis Management Committee to ensure operational resilience.
• Completed due diligence for 100% of financial/IT vendors, ensuring compliance with RBI
outsourcing guidelines and mitigating third-party risks.
• Optimized liquidity and risk management strategies, using data analytics and time series forecasting ensuring liquidity and adherence to capital adequacy norms.
• Drove cross-functional collaboration with senior management and risk owners, facilitating timely closure of open risk points and aligning strategic initiatives with regulatory and business objectives.
• Established ICAAP to align capital planning under Pillar-1 and Pillar-2 risks, strengthening governance and refining reporting metrics (e.g., CRAR, leverage ratio) for accurate regulatory submissions.

• Led enhanced credit risk appreciation through horizon scanning, monitoring, and critical evaluation of credit and portfolio initiatives, driving effective risk-based decision-making across diverse sectors, including power, manufacturing, and microfinance.
• Ensured robust management of Liquidity and Funding Risk, Capital Risk, and Recovery & Resolution frameworks across the group, aligning practices with regulatory and operational resilience requirements.
• Oversaw financial crime compliance by implementing anti-money laundering (AML) protocols and sanctions screening processes across credit operations, reducing potential exposure to financial crime risks by 25%.
• Led the deployment of a Risk and Control Self-Assessment (RCSA) framework within credit processes, identifying and mitigating operational risks. Strengthened anti-financial crime efforts by collaborating with Second Line of Defense (2LOD) teams to enhance fraud resilience.
• Adhered to BASEL-III and BCBS 239 regulations, reinforcing risk governance frameworks. Achieved a 13% asset book increase by onboarding vendors for Supply Chain Financing, with Third-Party Risk Management (TPRM) controls reducing invoice processing times by 20% and mitigating vendor risks.

• Led end-to-end digital transformation in SME lending, integrated liquidity optimization tools, and implemented risk management framework across treasury operations. Managed FX and money market transactions while ensuring regulatory compliance for SME and microfinance portfolios.
• Spearheaded credit underwriting for mid-corporates, executed portfolio purchase transactions, and ensured financial crime compliance testing, managing AML and counter-terrorist financing (CTF) risk across FX and money market transactions enhancing portfolio quality and risk mitigation.
• Deployed RCSA framework across branch operations, reinforcing First Line of Defence (FLOD) and improving risk identification for SME and microfinance lending, resulting in a 30% reduction in operational risk incidents.
• Implemented a comprehensive Business Continuity Management (BCM) framework to safeguard operational resilience. Integrated scenario analysis and stress testing to assess the branch's ability to withstand external shocks and align with ICAAP requirements.
• Conducted deep analysis of cost of capital and its allocation, resulting in strategic adjustments to Fund Transfer Pricing (FTP) policies. Contributed to ICAAP exercises with focus on p2a IRRBB elements, driving enhancements in internal capital management strategies.

• Supervised Anti-Money Laundering (AML) and sanction-related transactions, ensuring alignment with regulatory frameworks and stringent compliance protocols across financial operations.
• Led Trade Finance operations, driving operational efficiencies through strategic pricing models and real-time risk management initiatives, enhancing profitability and process agility.
• Monitored Letter of Credit (LC) issuance and trade documentation, reinforcing digital adoption in documentary credit processes. Strengthened RCSA framework in FX operations, identifying and mitigating risks in trade finance, credit underwriting, and liquidity management.
• Collaborated with the operational risk management team to enhance surveillance and back-testing protocols, achieving a 50% reduction in operational risk incidents. Ensured full compliance with BASEL-III, FATCA, and PATRIOT ACT standards, reducing compliance discrepancies by 25%.

• Delivered customized financial solutions through digital platforms, effectively reducing Non-Performing Assets (NPAs) and expanding the asset base by targeting client-specific needs.
• Developed and executed a holistic risk management framework encompassing AML and cyber fraud prevention, ensuring robust risk mitigation across multiple domains.
• Implemented digital initiatives and RCSA-driven process optimization, reducing manual errors by 35% and improving client satisfaction scores by 30%, resulting in enhanced operational efficiency.
• Spearheaded initiatives using Champion-Challenger strategies to strengthen AML resilience in client portfolios, achieving a 25% increase in resolution rates while reducing operational costs.
• Led the implementation of netting and collateral strategies to mitigate counterparty credit risk reducing operational risks and ensuring comprehensive risk oversight.

• Directed a £25 billion FX portfolio, driving 24% growth through strategic pricing models and proactive risk management initiatives. Achieved a 15% boost in dollar revenue by enhancing client retention and developing personalized currency exposure strategies.
• Led high-value FX and money market settlements, ensuring seamless execution and regulatory compliance. Optimized treasury operations by streamlining reconciliations, cash management, and FX trade execution for diverse portfolios.
• Conducted RCSA to identify and mitigate operational risks in FX trading. Deployed real-time monitoring tools, enhancing anomaly detection, and reducing operational risk incidents by 40%.
• Implemented AML transaction monitoring and risk assessment models, applying Value at Risk (VaR) and Potential Future Exposure (PFE) to enhance the portfolio's risk profile.
• Cross- collaboration with FX, bond trading desks and IT to create additional revenue streams by launching new treasury products, packaging local currency options and interest rate derivatives, AML compliance and profitability.

• Spearheaded the growth of the SME and agriculture portfolio by expanding the client base by 25%. Conducted in-depth credit assessments for 100+ SMEs and agricultural clients, ensuring strict adherence to internal policies and regulatory guidelines.
• Customized working capital loans, term loans, and trade finance solutions to empower clients in optimizing cash flow, financing operational growth, and investing in expansion projects.
• Identified cross-selling opportunities by analyzing client profiles and leveraging insights into their financial needs, driving a 20% increase in overall revenue through sales of insurance, investment, and digital banking solutions.