Pradeep Singh
Navi Mumbai,MH
Summary
Senior Operational Risk Analyst with 17 years of extensive experience in the 1st and 2nd Line of Defence, overseeing risk governance, frameworks, and independent challenge across multiple business units (Treasury, Trade, Offshore Business, Wholesale Banking Operations, Retail Branch Banking etc.); skilled in developing and implementing operational risk policies and processes, Operational Resilience, conducting risk and control self-assessments (RCSAs), Control Assurance, monitoring key risk indicators (KRIs), and managing incident reporting. Partnered with senior management to provide risk insights, strengthen internal controls, and ensure regulatory compliance, while fostering a strong risk culture across the bank.
Overview
18
18
years of professional experience
Work History
Asst. Vice President (Senior Risk Analyst)
HDFC Bank
01.2022 - Current
- Designed, implemented, and maintained the bank’s operational risk management framework, covering RCSA, Control Assurance and Testing, KRI monitoring, loss event management, and scenario analysis.
- Provided independent oversight and challenge to 1st LOD on risk identification, control effectiveness, and remediation of audit/regulatory findings.
- Led reviews of all the products and process notes, ensure all notes are documented in-line with the Product and Process Approval Policy of the bank and ensure all key risk and mitigants are adequately documented in the note before obtaining final approval from senior management.
- Oversaw operational risk incident reporting and root cause analysis, ensuring timely escalation and closure of risk events.
- Partnered with Compliance, Internal Audit, and business units to align with regulatory expectations and Basel/ICAAP requirements.
- Delivered risk reporting and dashboards to senior management and Risk Committees, strengthening governance and risk-informed decision-making.
- Led the identification and classification of critical operations, ensuring alignment with RBI’s operational resilience framework
Vice President
YES Bank
01.2010 - 01.2022
- Developed offsite monitoring framework for retail branch banking, strengthen transactions monitoring (financial + non-financial) through near real time alters and exception reports, identifying and escalating the gaps to the senior management for corrective actions, results into securing ‘Good’ internal audit rating of 50+ branches annually.
- Formulated critical dashboards for entire retail branch channel, such as – branch health score card (BHSC), branch risk index (BRI) and Branch Productivity Tracker for senior management’s decision making
- Strengthened data automation for Risk Based Supervision (RBS) returns for retail banking business, ensuring accuracy and timelines, leading to a 15% improvement in regulatory reporting timeliness.
- Conducted thematic reviews and exception monitoring that reduced recurring branch control breaches by 20%.
- Prepared monthly risk dashboards and analytics, improving management’s visibility into operational risks across branches.
- Partnered with business, compliance, and operational risk teams to implement process improvements, contributing to a 10% drop in operational losses year-over-year.
MIS & Analytics Officer
Citibank N.A.
01.2009 - 01.2010
- Conduct portfolio and trend analysis to identify opportunities, risks, and product performance gaps.
- Provide insights for product strategy, pricing, and cross-sell opportunities.
- Support forecasting, budgeting, and profitability analysis.
- Develop and maintain dashboards, performance reports, and business trackers for commercial banking products (e.g., loans, trade finance, deposits).
- Provide regular MIS on revenue, portfolio health, product penetration, and client activity.
Internship
Citibank N.A.
01.2008 - 01.2009
- Gained exposure to financial products, regulatory frameworks, and internal controls.
- Developed strong analytical, problem-solving, and communication skills
Education
CAIIB -
IIBF
01.2023
MBA - Finance
SMU
01.2013
GNIIT - Software Engineering
NIIT
01.2008
B.Sc. - Math & Stats
HNBGU
01.2007
Skills
- Operational Risk Management (RCSA, KRI, Incident Management, Scenario Analysis)
- Operational Resilience
- Control Testing & Assurance
- Governance, Risk & Compliance (GRC)
- Regulatory Compliance (RBI, Basel, MAS, CBB, HKMA, DFSA)
- Risk Reporting, Dashboards & Analytics
- Regulatory Compliance (RBI / Basel / ICAAP)
Timeline
Asst. Vice President (Senior Risk Analyst)
HDFC Bank
01.2022 - Current
Vice President
YES Bank
01.2010 - 01.2022
MIS & Analytics Officer
Citibank N.A.
01.2009 - 01.2010
Internship
Citibank N.A.
01.2008 - 01.2009
MBA - Finance
SMU
GNIIT - Software Engineering
NIIT
B.Sc. - Math & Stats
HNBGU
CAIIB -
IIBF
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