Koushik Saha
Kolkata
Summary
Seasoned Consulting Manager offering proven track record in leading successful project teams, managing operational processes, and driving business growth. Strengths include strategic planning, client relationship management, and team leadership. Impact evident through consistent achievement of business objectives and increased efficiency in past roles.
Overview
17
17
years of professional experience
Work History
Management Consulting Manager
Accenture Strategy & Consulting
Kuala Lumpur
12.2021 - 09.2024
- Advised multiple SEA banking clients on diverse Risk Management topics, including Model Risk Management and Responsible AI regulations.
- Developed proposals for procurement of SAS solutions, such as SAS Model Risk Management.
- Provided techno-functional advisory and user acceptance testing support during implementation phases.
- Created and implemented customer risk rating models to ensure AML compliance in due diligence processes.
- Led client projects focused on Responsible AI, emphasizing policy development and regulatory advisory.
- Established governance structures and controls for effective implementation of ethical AI standards.
- Designed collection strategy frameworks to optimize risk management practices for banks.
- Collaborated with stakeholders to align project objectives with regulatory requirements for risk management.
Senior Consultant
Hong Leong Bank
05.2018 - 10.2021
- Support development, implementation and monitoring of credit scorecards covering all unsecured and secured retail lending products.
- Assisted model validation team to ensure effective interpretation of models and policy within credit risk systems.
- Worked on score cut-off analysis and regulatory reporting on model performance.
- Maintained various documentations related to risk models across the team with focus on standardization of controls.
- Developed recommendations to adjust credit policies by analyzing credit and financial performance utilizing statistical scoring, segmentation, regression and simulation techniques.
- Implemented initiatives to ensure consistency and compliance with credit policies.
- Utilized SAS to perform risk, financial and data analysis including profiling, sampling, reconciliation, and quality testing.
- Contractual Position
Senior Operation Research
SABRE
05.2015 - 01.2017
- Designed end to end ML/AI solutions: from understanding business requirements, data discovery and extraction, model development and evaluation, to production pipeline implementation.
- Supported Data Engineering pipelines to deploy new data sources to Google Cloud.
- Activities include providing ETL logic to Data Engineering team, performing logic rectification, executing various testing activities like UAT, regression testing.
Analytic Consultant
FICO
05.2014 - 04.2015
- Provided consulting services to clients in APJ on a range of analytics based services across the customer lifecycle specific to retail banking risk management.
- Was responsible for consultation with clients in relation to model design and implementation.
- Design and develop state-of-the-art, data-driven exploratory analysis as well as predictive and decision models to solve business problems across the financial services industry.
- Build and evaluate predictive and decision models to be deployed in production systems.
Assitant Manager
GENPACT
Bnagalore
06.2007 - 03.2013
- Assisted various Banks to achieve AIRB specific Basel compliance for retail banking portfolios.
- Followed regulatory risk model development/validation guidelines - SR 117, Basel IRB, CCAR, CECL, IFRS9 etc in order to comply with ongoing regulations.
- End-to-end development or independent validation of credit risk and regulatory models including but not limited to - PD, LGD, EAD, Stress Testing, CECL, Credit Scorecards, AML and counter fraud models etc.
- Develop statistical/mathematical and machine learning based models, rule fine tuning/optimization, testing, reviewing, and performing validation activities and prepared comprehensive model development documentation for regulatory submission and approval.
- Worked on Risk Weighted Assets and minimum regulatory capital requirement estimation.
- Conducted User Acceptance Testing to ensure models function as intended.
- Led team meetings to align on project objectives and strategies.
- Collaborated with cross-functional teams to enhance operational processes.
Education
MS - Quantitative Economics
Indian Statistical Institute
Kolkata01.2007
B.Sc. - Economics
Calcutta University
Kolkata01.2005
Skills
- Credit risk management
- Risk and data analytics
- Predictive modeling
- Statistical analysis
- Machine learning
- Regulatory compliance
- Risk governance
- Policy development
- Model development and implementation
- Project management
- Business process documentation
- SAS programming
- SQL database management
- Python programming
- Cloud analytics platforms
- GCP and AWS
- Project management tools
Timeline
Management Consulting Manager
Accenture Strategy & Consulting
12.2021 - 09.2024
Senior Consultant
Hong Leong Bank
05.2018 - 10.2021
Senior Operation Research
SABRE
05.2015 - 01.2017
Analytic Consultant
FICO
05.2014 - 04.2015
Assitant Manager
GENPACT
06.2007 - 03.2013
MS - Quantitative Economics
Indian Statistical Institute
B.Sc. - Economics
Calcutta University