ATUL SINGH
Navi Mumbai
Summary
Results-driven Assistant Manager with a proven track record in both credit appraiser and operations manager under Retail Asset Management at IDBI BANK joining on 21/01/2017.
Demonstrated excellence led to a transfer to the Risk Management Department showcasing adaptability and expertise in a dynamic banking environment.
Undertaken the responsibility of Credit Rating for Corporates across diverse sectors, including Textile, Chemicals, Petrochemicals, Gems and Jewellery, Wholesale Retail Chains, and other Industries. Accomplished the preparation of an Industry Report on the Textile sector, illustrating Probability of Default (PD), cash flow analysis, and profitability.
Completed the Financial Risk Manager (FRM) certification and currently pursuing Actuarial studies from the Institute of Actuaries of India (IAI), with a focus on advanced mathematical and statistical principles. Possesses a foundational understanding of Python and R for data analysis complementing a strong analytical skill set. Currently contributing to the Market Risk Department, where responsibilities include policy review, stress testing, and assessment of the Non-PSL portfolio.
This journey reflects a commitment to continuous learning, a multifaceted skill set, and a drive to excel in the evolving landscape of risk management.
With my extensive experience and diverse skill set in credit appraisal, operations management and risk management, I can bring valuable expertise in: credit rating and analysis, Industry report preparation, analytical skills and data analysis, continuous learning and adaptability, leadership and result-driven approach, multifaceted skills set, ethical conduct and integrity.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Market Risk Manager
IDBI Bank Ltd
Mumbai, Kolkata, Bengal, Raipur
05.2023 - Current
- Compiled and submitted regular reports to update senior management on operations and progress.
- Developed processes for monitoring counterparty credit risk exposures across all derivative transactions.
- Utilized Bloomberg terminals to obtain real-time data on markets and securities prices.
- Monitored daily VaR calculations to ensure accuracy of results.
- Completed day-to-day duties accurately and efficiently.
- Acquired risk-related data from external and internal resources.
- Performed stress tests of portfolios to determine potential impacts of extreme market movements.
- Assisted with the development of a framework for managing market risks in line with Basel III regulations.
- Reviewed regulatory requirements related to capital adequacy and market risk management.
Credit Analyst
Risk Management Department
Mumbai
08.2021 - 05.2023
- Assessing credit risk, preparing industry report, keeping track of developments related to industry and conducting impact analysis with changing macros, preparing detailed rating memorandum segregating parameters viz.
- Industry, business, financial and management, presenting the memorandum before rating committees, well versed in risk models, ensuring compliance on Basel- III guidelines, credit and various policies, conduction data analysis with a view to recognize early warning and sensitizing the dealing groups, computation of risk weight assets, stress testing, etc.
Operations manager
IDBI Bank Ltd
Mumbai
07.2020 - 10.2020
- Preparation of MIS, Co-ordination with branches, regulatory compliances, file clearances, CERSAI registration, RTGS, NEFT, DD issuance, Insurance updation, customer handling, etc
Credit Officer
IDBI Bank Ltd
Mumbai
01.2017 - 09.2020
- Credit assessment, post sanction follow up, documentation of credit proposals, disbursement, monitoring of a/c’s, etc.
Education
PGDBF -
Manipal University
01.2017
Masters - Accounting & Finance
University of Calcutta
09.2014
Bachelor - Accounting and Finance
Umes Chandra College
07.2012
Higher Secondary -
Shree Jain Vidyalaya
01.2009
Matriculation -
Aadarsh Hindi High School
01.2007
WBBSE -
Skills
- Skill sets
- Technical Skill
- Proficiency in developing VaR models, stress testing and scenario analysis, knowledge of programming language such as Python, R
- Risk Management Skills
- Specific experience in Market risk management including policies, review of Non-SLR portfolio and stress testing
- Expertise in Credit risk management including assessing borrower credit worthiness and loan portfolio risk
- Knowledge of operational risk frameworks and strategies for identifying and mitigation risks
- Experience in measuring various types of risks within an organization
- Analytical and problem solving skills
- Strong critical thinking skills to assess complex situations and informed risk management decisions
- Meticulous attention to details when reviewing data and risk models to ensure accuracy
- Communication and collaboration
- Effective communication skills to convey risk assessment and recommendations to both technical and non-technical stakeholders
- Ability to collaborate with cross functional teams, including senior management, auditors and business units
- Soft Skills
- Commitment to ethical conduct and maintaining the highest standards of integrity
- Ability to adapt to changing market conditions, regulations, and organisational needs
- Additional Skills
- Project management skills for overseeing risk-related initiatives and implementation
- A commitment to ongoing professional development and staying updated on industry best practices
Certification
- Certified Financial Risk Manager, GARP- 2022
- Certified Treasury Professional IIBF 2018
- Certified Credit Professional IIBF 2017
- Certificate in Risk in Financial Services IIBF 2018
- Risk in Financial Services CISI 2018
- CAIIB
- JAIIB
- Other Certifications
- MSME, Corporate Banking, AML & KYC, International Trade Finance
Languages
Hindi
First Language
English
Advanced
C1
Bengali
Intermediate
B1
Timeline
Market Risk Manager
IDBI Bank Ltd
05.2023 - Current
Credit Analyst
Risk Management Department
08.2021 - 05.2023
Operations manager
IDBI Bank Ltd
07.2020 - 10.2020
Credit Officer
IDBI Bank Ltd
01.2017 - 09.2020
PGDBF -
Manipal University
Masters - Accounting & Finance
University of Calcutta
Bachelor - Accounting and Finance
Umes Chandra College
Higher Secondary -
Shree Jain Vidyalaya
Matriculation -
Aadarsh Hindi High School