Mukund Singh
Senior Risk Manager
Bengaluru
Summary
Dynamic banking professional with over 11 years of experience in driving automation and scaling portfolios within the financial sector. Specialization in automating regulatory compliance systems, including RWA and Credit Risk, ensures adherence to stringent RBI mandates. Proven ability to leverage IT skills to address complex financial risk challenges, enhance operational efficiency, and significantly reduce Non-Performing Assets (NPAs). Committed to utilizing technology to optimize financial processes and foster business growth through effective portfolio management and risk mitigation strategies.
Overview
15
15
years of professional experience
Work History
Senior Manager - Risk Management Wing
CANARA BANK
05.2023 - Current
- Implemented innovative solutions to overcome challenges, leading to enhanced productivity levels.
- Managed large-scale projects and introduced new systems, tools, and processes to achieve challenging objectives.
- Credit Risk RWA Automation : Leading the end-to-end automation of Credit Risk Weighted Assets (RWA) computation based on RBI Prudential Norms for both domestic and overseas portfolios.
- System Integration & Data Integrity : Synthesized data across multiple platforms, including FCR (Domestic FB), FCC (Domestic NFB), CITOS (Treasury), and FCUBS (Overseas), to ensure a 360-degree view of borrower exposure.
- Concentration Risk Mitigation : Developed an in-house "Ceiling Monitoring" application to track segment-wise exposures on a T-1 basis, aligning with Board-approved policies.
- Regulatory Compliance : Designed a unified 'Exposure Computation Screen' to capture a customer's total exposure (Domestic/Overseas, FB/NFB, and Investments).
- Credit Stress Testing : Conducting portfolio credit stress tests using RBI-prescribed and bank-defined specific scenarios to evaluate portfolio resilience.
Senior Manager - AFPS In-Charge
CANARA BANK
05.2022 - 05.2023
- Portfolio Leadership: Headed the Agriculture Finance & Priority Section (AFPS), overseeing the Agri-Business portfolio for a network of around 30 branches.
- High-Value Advances: Managed large-scale credit exposures in the agriculture sector, specifically focusing on rice mills, godowns, and warehouses.
- Gold Loan Portfolio: Overseeing and significantly increasing the regional gold loan portfolio.
- Government Schemes: Spearheaded the implementation and target achievement of government social security schemes.
Branch Manager
CANARA BANK
06.2018 - 05.2022
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Strategic Growth : Orchestrated an 80% growth in total branch business and increased the advances portfolio by around 90% within 3 years.
- NPA Management : Successfully reduced Non-Performing Assets (NPA), and implemented strict controls to prevent new slippages.
- Performance Excellence : Consistently achieved high appraisal and received multiple recognitions for "Branch Performance."
- Operational Resilience : Managed seamless branch operations and business growth during the COVID-19 pandemic.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Mentored junior staff members for skill development and career progression within the organization.
Probationary Officer / Second-in-Line
CANARA BANK
05.2014 - 06.2018
- Gained foundational experience in cash operations, small value agriculture loans, and branch internal controls.
- Served as an Advances Officer and CASA Officer in high-volume rural and semi-urban branches.
- Managed over 50 customers per day.
- Maintained strict adherence to industry regulations, minimizing risk exposure for the organization.
- Optimized customer experience by delivering superior services and effectively troubleshooting issues.
IT Engineer
3i Infotech
02.2011 - 01.2012
- Improved system efficiency by optimizing network infrastructure and implementing new technologies.
- Provided technical support in both on-site and telephone consultations.
- Managed 10 support logs per day.
- Resolved issues related to operational components for LAN, WAN and voice systems.
Education
Bachelors of Engineering - Information Technology
Government Engineering College Jagdalpur
Jagdalpur, India 04.2001 -
Skills
GARP FRM I
Credit Risk Management
Credit Analysis
Credit Risk Weighted Assets
Credit Stress Testing
BASEL III
RBI Regulatory Guidelines
Team Leadership
Strategic Planning
Data Analysis
NIBM Risk Management Certification
CAIIB JAIIB Certification
Timeline
Senior Manager - Risk Management Wing
CANARA BANK
05.2023 - Current
Senior Manager - AFPS In-Charge
CANARA BANK
05.2022 - 05.2023
Branch Manager
CANARA BANK
06.2018 - 05.2022
Probationary Officer / Second-in-Line
CANARA BANK
05.2014 - 06.2018
IT Engineer
3i Infotech
02.2011 - 01.2012
Bachelors of Engineering - Information Technology
Government Engineering College Jagdalpur
04.2001 -