Nitish Chopra

• Proficient in Credit Risk Modeling and Model Development.

• Experienced in developing Basel-compliant PD (Retail Scorecards),

including development of Behavioral Scorecards using Mortgage data

for Retail level PD assessment.

• Understanding of Vintage and Roll-Rate models.

• Proficiency in LGD (Chain Ladder) and EAD (CCF) Modeling.

• Skilled in Model Validation procedures, including Discrimination Testing

utilizing techniques such as ROC, KS Distribution, and CAP Curve

analysis.

• Committed to optimizing risk assessment frameworks for regulatory

compliance and informed decision-making.

2024-04 - Current

• Identified areas for improvement within the department, implementing strategic initiatives to address gaps in performance or resources.

• Maintained detailed financial records of accounts receivable and payable status and bank reconciliations.