Aditya Singh

Lender coordination for NOCs: Managed communication with lenders to obtain and validate NOCs, ensured timely follow-ups, resolved discrepancies, and maintained accurate tracking for compliance.

90+ DPD Reconciliation: Performed reconciliation of 90+ DPD accounts, identified classification and payment mismatches, and coordinated with teams to ensure accurate reporting.

Risk Advisory Committee Support: Prepared risk summaries and exception reports, supported high-risk exposure reviews, and tracked the closure of risk observations.

Regulatory Reporting & Capital Adequacy (Basel III)

• Preparation and submission of periodic regulatory returns to the RBI in compliance with Basel III norms.
• Computation and validation of CRAR, including a detailed review of RWA (Credit, Market, and Operational Risk) under Pillar I.
• Validation of RWA under the Standardized Approach, with appropriate risk weights based on External Ratings (CRISIL, ICRA, CARE, etc.). As per RBI guidelines.
• Review of key credit risk parameters, including EAD, PD, and LGD, used in regulatory capital computation.
• Preparation of Pillar III disclosures and support in ICAAP (Pillar II), including stress testing and capital impact assessment.
• Monitoring of the Large Exposure Framework (LEF) and capital adequacy reporting.
• Handling RBI inspections, ad-hoc queries, and coordinating with internal/statutory auditors for audit closure.
• Tracking regulatory circulars and assessing the impact on capital ratios and RWA methodology.
• Developed validation controls to ensure the accuracy of RWA, EAD, and PD data across reporting systems.
• Assisted in the automation of capital and regulatory reporting processes to enhance efficiency.
• Performed data analysis using Advanced Excel (intermediate) and basic-to-intermediate SQL for data extraction and validation.
• Created management dashboards in Power BI (beginner–intermediate) for capital monitoring and reporting.
• Supported IFRS 9, Ind AS, ECL validation, and reconciliation between regulatory and accounting exposures.