Rashmi Khare
UBS Business Solutions Pvt Ltd.
Mumbai
14
Years of experience
Results-oriented financial professional specializing in credit risk assessment and data governance. Enhances operational efficiency and data integrity through advanced analytical skills and effective communication. Drives informed decision-making and compliance through model validation and risk management in fast-paced environments.
Work History
Authorized Officer
4 Years 1 Month- Conducted business process analysis and re-engineering, resulting in enhanced operational efficiency and performance.
- Supported Basel regulatory reporting and documented business and functional requirements.
- Performed data validation and quality checks, resolving discrepancies to ensure data integrity.
- Analyzed datasets and delivered actionable insights to support stakeholder decision-making.
- Executed end-to-end data lifecycle activities, including data collection, cleansing, and analysis.
- Managed project lifecycle using Agile methodologies, ensuring effective planning, tracking, and delivery via JIRA.
- Developed and maintained BRD/FRD documentation with clear data lineage and traceability.
- Contributed to risk analytics and data governance, supporting regulatory compliance with CCAR/BCBS 239 and FRTB.
- Managed governance, risk, and compliance for credit and market risks.
Authorized Officer
4 Years 2 Months- Conducted comprehensive credit risk assessments for corporate clients across EMEA, US, and APAC through detailed analysis of financial statements and key risk indicators.
- Validated credit ratings (Probability of Default – PD) through integration of quantitative models and qualitative forward-looking risk assessments to enhance credit evaluation accuracy.
- Assessed Loss Given Default (LGD) by analyzing capital structure, debt seniority, and recovery prospects, contributing to informed risk management strategies.
- Monitored financial performance, leverage, and covenant adherence to identify emerging risks, facilitating proactive credit risk management decisions.
- Performed model validation and annual reviews, ensuring robustness of assumptions related to financial structure and risk parameters.
- Current Department: CRC Commercial Lending
Associate
4 Years 9 Months- Ensured data quality and governance compliance by implementing referential data standards and maintaining data lineage across systems, enhancing trust in data for decision-making.
- Strengthened operational risk controls and system integrity across processes by acting as first and second line of defense, mitigating potential risks.
- Designed dashboards and reporting solutions to support risk monitoring, business insights, and decision-making.
- Led end-to-end issue management and root cause analysis (RCA), driving corrective actions to improve processes and control effectiveness.
- Managed project execution and vendor performance, ensuring SLA/KPI adherence and alignment with business objectives to drive continuous process improvement.
- Department: ORRC – Account Ref Data
Financial Analyst
3 Years 6 Months- Managed daily T+1 P&L production, including attribution, analysis, and timely reporting of trading performance.
- Calculated and recorded monthly accruals, rebates, and taxes for OTC (FID & Equity) trades to ensure accurate P&L reporting and financial integrity.
- Performed monthly P&L close processes, balance sheet controls, and reconciliations across OTC and listed derivatives to ensure financial accuracy.
- Executed trade reconciliations across multiple systems and exchanges, ensuring consistency and integrity of trade and position data to uphold reporting accuracy.
- Conducted variance and credit analysis of brokerage costs, identifying discrepancies that informed cost optimization and rate negotiations.
- Supported risk, control, and compliance activities, including RCSA, FMEA, SOX reporting, UAT testing, MIS reporting, and billing validation, enhancing overall financial governance.
- Department: Trade Expense – OTC & Listed Derivatives
Analyst
1 Year 7 Months- Conducted valuation analysis and present value calculations for derivative products to support informed decision-making.
- Managed derivatives trade lifecycle, ensuring timely settlements, accurate reconciliations, and effective break resolution.
- Facilitated brokerage clearing, trade execution, and valuation to enhance operational accuracy and streamline processes.
- Collaborated with stakeholders & global middle office and settlements teams for trade integrity.
- Department: LENS – BC&E – OTC Derivatives
Education
MBA - Finance
GPA: 71%
B.Com
GPA: 64%
Skills
Credit risk assessment
Credit risk analysis
PD model validation
LGD assessment
Risk assessment
Derivatives
OTC Products
Capital & Money Markets
Data Analysis Techniques
MS Office Suite: Excel (Advanced)
Outlook
PowerPoint
Word
Strong communication
adaptability
and analytical skills
Personal Information
Date of Birth: 1988-09-06
PROJECT EXECUTION:
Spearheaded integration activities for the RFA process at UBS., Managed trade reconciliation and payment processing via eGains and GPS., Conducted RCSA & FMEA assessments for operational risk and process impact analysis.
ACADEMICS & CERTIFICATIONS:
- Derivatives Academy Module – 2021” certified by Morgan Stanley.
- NCFM Certified – Derivative Market & Capital Market Dealer’s Module
Timeline
Authorized Officer
UBS Business Solutions Pvt Ltd.
09.2022 - CurrentRead More
Authorized Officer
UBS Business Solutions Pvt Ltd.
08.2022 - CurrentRead More
Associate
Morgan Stanley Advantage Services
11.2017 - 08.2022Read More
Financial Analyst
Nomura Services Pvt. Ltd.
05.2014 - 11.2017Read More
Analyst
eClerx Financial Services Ltd.
10.2012 - 05.2014Read More
Pacific Institute of Management
MBA from Finance
Read More
Govt .MG College
B.Com
Read More