AMIT KUMAR AGARWAL

Large Exposure Reporting (Aug'24 - Current)

• Preparation and successful delivery of large exposure NCCR regional pack as part of the IRR project, which included the identification of missing counterparties.
• Proactively identified data issues, implemented control checks, and supported internal reviews with BAU team during peak reporting period for smooth approval from CFO/CRO.
• Preparation of large exposure NCCR group pack ensuring accurate data consolidation across regions and implementing stronger control measures to enhance reporting quality, governance, process control and compliance for group sign-off.
• Maintained strong co-ordination with the Risk Function for exposure validation, data reconciliation, regulatory threshold exception, identification of missing GID, and exception handling to ensure accuracy and reliability of large exposure report.
• Prepared the detailed LER NCCR process maps to document the end-to-end reporting workflow, control checkpoints, and system interfaces after discussion with multiple teams. This initiative improved process understanding, supported control testing, and enhanced overall governance within the LER framework.
• Collaborated with the team to draft and finalize the control document for the LER NCCR process, detailing control activities, data validation checks, and reporting governance, and linked the same to the process maps prepared above.
• Supported Risk & Finance change proactively in raising an MSI in Helios after discussion with multiple teams highlighting a potential data inconsistency regarding collateral in LER. Supported remediation plan and follow-up activities until closure, demonstrating ownership and commitment to process integrity.
• Raised, tracked, and resolved multiple data quality issues identified during LER pack preparation with the help of FCD, FCDP teams (Resolve, Jira & Aurora), contributing to improved accuracy and control effectiveness.
• Initiated/completed work towards development and detailed testing of BDE rules for large exposure reporting (LER) NCCR end-to-end (FCDP to FOTC to RCT) to ensure DUSE4 compliance, partnering with multiple teams like FCDP Data Validation, DAO Finance for DDT, Finance Change, FCDP Design, and Rule Management.
  This enhanced data validation logic, improved exception handling, and ensured high reporting accuracy. Also helped understand the preparation of lineage process between (FCDP to RCT), fallback application, SQL coding in Google Cloud Platform & Tableau system in analyzing breaks, and in preparation of effective rules to avoid erroneous reporting break.
• Actively supported development of an automated variance analysis and Month-end dashboard to identify and monitor missing counterparties in the LER process. Collaborated with IT and validation team during UAT and contributed to final sign-off, improving control visibility, enhancing reporting accuracy, and reducing manual intervention.
• Actively contributed to design of an automated Tableau dashboard detecting Missing GID breaching the USD 200mn materiality threshold. This improved exception visibility, data quality monitoring, and reduced manual intervention within large exposure reporting process. Introduction of automated solution supported management information and investigation into missing counterparties (including FOTC pre-calc stage) for NCCR.
• Introduced MI to address group requirement from completeness perspective ensuring total original exposures are reported at firm level and exclusions for large exposure reporting are clearly documented.
  The automated MI facilitated reconciliations between total exposures reported at group level and exposures eligible for LER reporting.
• Conducted detailed analysis using SQL query and assessment of materiality threshold for credit counterparty risk (CCR) reporting process. Supported decision-making by evaluating exposure level, data impact, and reporting significance to enhance accuracy and regulatory compliance.
• Played an active role in reconciliation of collateral data within the CCR process, collaborating with SMEs/BAU teams to identify mismatches, validate data sources, and ensure accurate and consistent reporting.

ALCM - Liquidity Reporting (Dec'21 - Aug'24)

• Produce and Review Liquidity Reports which includes Internal Liquidity Metrics, PRA 110, Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), Additional Monitoring Metrics (AMM), ALCO Packs and other Liquidity Reports viz Depositor Concentration, Term Funding.
• Good Understanding of GLRS Systems viz Google Cloud, Moody's, Finarch and Big Data.
• Provide business various liquidity monitoring reports which help in decision making to Liquidity adequacy.
• Interpret liquidity reports to provide meaningful analysis and commentary to facilitate business in decision making.
• Work Effectively with various level of colleagues in Finance Function, Accounting, IT, Product Control.
• Ensure Reports produced are in line with group framework and onshore requirement.
• Ensure team is developed by undertaking a training needs analysis of each team member.
• Ensure Team personal developments plans are in place covering product knowledge, technical and soft skills.
• Understand stakeholders needs, identifying and implementing improvements in a continuous manner.
• Provide various MI which helps and easily understood by in country team. Respond to queries from business and senior management.
• Ensure to meet Service level agreement (SLA).

• Allocation process of Treasury CLR/FTP income and charges to business areas within group. Prepare and report elements of CLR Transfer pricing & FTP.
• Preparation of manual journal entries and processing CLR & FTP monthly request.
• Support the control and governance for Treasury Finance activities and end to end control on the month close and reporting process including presenting the results to onsite team with variance commentary.
• Support the onsite Finance controller/Treasury Finance with respect to all variances, abnormal entries proactively.
• Partnering with Business teams to implement CLR/FTP process and methodologies and various ad-hoc analyses.
• Stress Testing/outlook and forecast process on a yearly/Monthly basis for CLR/FTP process.
• Ensure adherence to timeliness and accuracy BAU deadlines.
• Treasury consultancy and Business support for new transaction and Group Projects.
• Responsible for assisting Barclays Internal Audit along with EY (External Audit team) for BAU process.
• Doing special projects helping business to set its process right and help achieving business success.
• Conduct various treasury projects including, but not limited to, improving routine operations, meeting management requirement, troubleshooting and implementing treasury systems.

• Credit underwriting/Monitoring, Due Diligence and Risk Management.
• Credit underwriting of New Account Opening for mid corporate with an exposure of INR 100 cr.
• Risk Assessment of Customer Account for renewal and non-renewal. Assures that risks are identified, analysed, steered, communicated and suggest adequate mitigation.
• Periodic review of cash flow reports, History, Business forecast of the customers to assess viability.
• Identify & highlight the issues related to liquidity, Capitalization deficit / surplus to the Risk Committee for action.
• Quarterly/ periodic review of the interim financials/ visits to the weak customers and suggest innovative ideas to support.
• Actively participating in meeting with customers and maintaining strong customer focus.
• Prepare and implement wholesale credit/Operational risk guideline and identify areas for modifications.
• Handing the low performance dealers, key risk indicators and key performance indicators monthly reporting to management and support end enhancement of their performance.
• Ensuring accurate and timely Monthly/Quarterly/annual risk reporting to FCIPL Headquarters for various purposes.
• Leading a small team of three staffs and collaborates with team members to set goals and responsibilities.
• Interact with local banks and financers for understanding the market dynamics.
• Supporting in Preparation of books of Accounts (P & L, Cash Flow, Balance sheet) of companies with consultation of Statutory Auditors (PWC).
• Handling the Internal Audit, Statutory Audit, RBI Audit and other audits.
• Also handled different types of reporting to RBI (NPA & SMA reporting) & CIBIL Reporting.
• Liaison with internal auditors and internal stakeholders for meeting reporting requirements.
• Coordinate with external vendors for purposes like valuation, ROC search, legal search etc.

• Credit underwriting/Monitoring - LOAN AGAINST PROPERTY, BL(SME).
• Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
• Analyse the performance of existing client's loans and products.
• Prepare CMA data and Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation.
• Personally Interact with customers to obtain additional credit information to support credit lines.
• Monitor violations of credit policies; provide analysis, conclusion and recommendations, present findings to senior management.
• Quarterly reporting on group financial performance to the board of directors.
• Liaisoning with Internal teams, sales, operations, legal, technical and Risk Cont. Unit agency for processing the file.

• Finalization of books of Accounts of companies with consultation of Statutory Auditors.
• Recommendations to strategic plans and reviews, preparing and completing action plans, resolving problems.
• From Approval to disbursement of construction finance from different banks.
• Preparing projected financial statements for Construction finance.
• Confirms financial status by monitoring revenue and expenses, coordinating the collection, consolidation, and evaluation of financial data, preparing special reports.
• Co-ordination with auditors and helping them to resolve the queries raised by them.