RAVI KUMAR
Bengaluru
Summary
Senior Risk Analytics professional with 12+ years of experience in Banking and Financial Services. Specialized in Credit Risk Modeling, Model Validation, Climate Risk Stress Testing, IFRS9, Basel, and regulatory compliance. Proven leader in managing cross-functional teams and delivering high-quality model governance solutions.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Sr. Risk Manager – Model Risk Management
Capgemini
Bengaluru
05.2025 - Current
- End-to-end validation of Credit Risk and Climate Risk Stress Testing Models.
- Prepared comprehensive challenge logs and conducted depth reviews of model documentation.
- Performed independent replication of model development, testing, and validation results.
- Replicated and validated model outcomes for Climate Risk Stress Testing frameworks.
- Validated Stress Loss Models ensuring regulatory and internal governance compliance.
- Collaborated with stakeholders to resolve validation findings and model limitations.
Manager
EXL
Bengaluru
08.2021 - 05.2025
- Led Credit Risk Model Development, Validation, and Monitoring for Scorecard and IFRS9 (PD, LGD, EAD, ECL).
- Conducted AMR, Revalidation, and OPA using KS, ROB, PSI, GINI, MAPE, and Accuracy.
- Performed Root Cause Analysis for trigger breaches and resolved MRM queries.
- Developed IFRS9 staging using Z-score methodology for AUS Bank mortgage portfolios.
- Performed PIT, roll rate, vintage, and data quality analysis for US Retail Services.
- Managed LRC submissions and regulatory compliance (SS1/23, SR11/7, OCC).
- Delivered multiple revalidations with complete Model Development Documents (MDD).
Senior Business Analyst
Equifax
Bengaluru
06.2018 - 08.2021
- Developed ARIMA-based forecasting models for credit card sales performance.
- Performed Credit Risk Model Validation using KS, GINI, ROC, BCEP, ROB, PSI.
- Conducted in-depth business analysis and identified process improvements.
- Managed relationships with international stakeholders in Saudi Arabia and Bahrain.
Credit Risk Manager
Bajaj Finserve
Pune
07.2017 - 01.2018
- Monitored dealer risk for retail finance and trade advance portfolios.
- Validated credit risk models using statistical performance metrics.
- Analyzed portfolio trends using FPD, SPD, TPD indicators.
- Compiled applicant credit and financial data for risk assessment.
AML Risk Analyst
HSBC
Bengaluru
08.2015 - 07.2017
- Conducted transaction monitoring for Greece, Ireland, and Sri Lanka portfolios.
- Performed threshold tuning and scenario development using SAS.
- Executed data profiling, segmentation, and clustering using K-means.
- Enhanced suspicious activity detection through rule optimization.
Sr. Business Analyst
Stratum Analytics
Bengaluru
10.2014 - 08.2015
- Produced MIS and portfolio statistics reports for management.
- Tracked FPD, SPD, TPD trends and profitability metrics.
- Delivered portfolio performance dashboards and presentations.
Business Analyst
TCS
Bengaluru
03.2013 - 07.2014
- Estimated FMCG market trends in European markets.
- Validated and standardized consumer panel datasets.
- Applied HBE, VVV, and APV processes for data quality.
Education
Master’s - Economics
School Of Economics University of Hyderabad
01.2012
BA (Hons) - Economics
Patna College
01.2009
+2 - Commerce
St. Xavier’s School
Muzaffarpur01.2006
Skills
- Credit Risk Modeling
- Model Validation
- Climate Risk Stress Testing
- IFRS9
- Basel
- PD/LGD/EAD
- SAS
- SQL
- Python (Basic)
- R (Basic)
- Tableau
- Data Analytics
- Regulatory Reporting
- Team Leadership
- Model Governance
Certification
- Credit Risk Modelling in Python – Udemy
- Managing Big Data with MySQL – Coursera (Duke University)
- R Programming – Coursera (John Hopkins University)
- Risk Management – Coursera (ISB)
- Base SAS Certification (10+ years experience)
Timeline
Sr. Risk Manager – Model Risk Management
Capgemini
05.2025 - Current
Manager
EXL
08.2021 - 05.2025
Senior Business Analyst
Equifax
06.2018 - 08.2021
Credit Risk Manager
Bajaj Finserve
07.2017 - 01.2018
AML Risk Analyst
HSBC
08.2015 - 07.2017
Sr. Business Analyst
Stratum Analytics
10.2014 - 08.2015
Business Analyst
TCS
03.2013 - 07.2014
Master’s - Economics
School Of Economics University of Hyderabad
BA (Hons) - Economics
Patna College
+2 - Commerce
St. Xavier’s School