Summary
Overview
Work History
Education
Skills
Certification
Timeline
Hi, I’m

Deepa Sindhe Sivaji

Manager - Retail Credit Risk
Bengaluru
Deepa  Sindhe Sivaji

Summary

Dedicated professional with global experience in the field of finance, project management and technology development. Comfortable with multi-disciplinary teamwork to achieve the highest standard of work. Compelling presenter with great interpersonal, analytical and communication skills.

Overview

10
years of professional experience
4
Certifications

Work History

HSBC Electronic Data Processing (India) Pvt Ltd
Bengaluru

Manager, IFRS9 Model Monitoring and Governance
02.2025 - Current

Job overview

  • Supported model monitoring deliverables, including the review of model performance metrics and documentation.
  • Owned model governance deliverables, driving the closure of multiple model risk findings, and remediation actions.
  • Engaged with internal and external stakeholders to clarify expectations, align on remediation approaches, and ensure timely resolution of model risk issues.

HSBC Electronic Data Processing (India) Pvt Ltd
Bengaluru

Senior Analyst
12.2021 - 02.2025

Job overview

  • Worked in credit risk (IFRS9) for Asia Pacific region in the retail banking sector.
  • Analyzed the expected credit losses (ECL) for secured and unsecured portfolios across different countries in the Asia Pacific.
  • Focused on calculating the underlay and overlay adjustments to account for model limitations, changes in macroeconomic scenarios, or regulatory requirements.
  • Evaluation of macroeconomic scenarios for all portfolios and countries in the Asia Pacific to assess the impact of macroeconomic variables such as GDP, House Price Index, interest rates, etc. on credit risk.
  • Developed creative data skills to draw out insights and answer relevant business questions.
  • Being the first line of defense involved implementing and maintaining adequate governance and control measures for the expected credit loss impacts taken across portfolios.
  • Continuous collaboration with the second and third lines of defense to ensure all the calculated ECL impacts are reviewed and endorsed.
  • Involved working with the Impairment Calculator Engine, QlikSense, SAS, and SQL codes.

Hexaware
Chennai

Management Trainee
06.2021 - 11.2021

Job overview

  • Managed approximately 10 Cybersecurity dashboards to deliver insights on the real time cybersecurity risks
  • Data analysis and visualization using Power BI for cybersecurity data.

Rakuten
Bengaluru

Management Intern
01.2021 - 06.2021

Job overview

  • Product Management for approximately 5 Rakuten India products being launched. It includes working on different use cases for the product, designing content, structure of the website, coordinating with cross functional teams, stakeholder management.
  • Perform Market Research for the new product development in Rakuten including identification of the current and future possible market for the products, revenue, competitor analysis, and develop product strategy for Rakuten products using the data, market trends and market research performed.

Qualcomm Global Trading Pte Ltd
Singapore

Engineer
02.2017 - 11.2017

Job overview

  • Performed root cause analysis on 100+ failing IC chips to identify the reason for the failure of the chip.
  • Process optimization and developing process maps for failure analysis

National University of Singapore
Singapore

Research Engineer
11.2015 - 02.2017

Job overview

  • Design of a low swing Network on Chip (NoC) interconnect. A wide range of low swing driver and receiver circuits were modelled using Matlab to optimize the quality-energy tradeoff.
  • Performed statistical analysis using Monte Carlo simulations in MATLAB to optimize voltage swing in order to obtain bit level energy/quality tradeoff.
  • Cadence schematic and layout simulations were performed to design the low swing network-on-chip interconnect on TSMC 40nm and 28nm design kits.

Education

BITS Pilani
Pilani, RJ

MBA from Business Administration

University Overview

Recognized with Best Outgoing Student Award

National University of Singapore
Singapore

Master of Science from Electrical Engineering

University Overview

  • Specialization in Micro-Electronics

Anna University
Tamil Nadu

Bachelor of Engineeing from Electrical and Electronics

Skills

Data Analytics and insights

Root cause analysis

Data Visualization - Tableau and Power BI

Ability to write SQL and SAS code for data analysis

Agile mindset

Certification

Business English Certification vantage level conducted by University of Cambridge ESOL examinations, Grade A

Timeline

Manager, IFRS9 Model Monitoring and Governance

HSBC Electronic Data Processing (India) Pvt Ltd
02.2025 - Current

Senior Analyst

HSBC Electronic Data Processing (India) Pvt Ltd
12.2021 - 02.2025

Management Trainee

Hexaware
06.2021 - 11.2021

Management Intern

Rakuten
01.2021 - 06.2021

Engineer

Qualcomm Global Trading Pte Ltd
02.2017 - 11.2017

Research Engineer

National University of Singapore
11.2015 - 02.2017

BITS Pilani

MBA from Business Administration
2021

National University of Singapore

Master of Science from Electrical Engineering
2015

Anna University

Bachelor of Engineeing from Electrical and Electronics
2013
Deepa Sindhe SivajiManager - Retail Credit Risk