RishiKesh Muthukumar
Bengaluru
Summary
Senior credit risk analyst with 6+ years of experience in risk management, data analysis, and performance measurement. Develops risk indicators and analyzes customer behavior to support credit decisioning. Collaborates across teams to align risk practices with business goals and reduce financial risk.
Overview
6
6
years of professional experience
Work History
Senior Risk Analyst
OSB India
Bangalore
10.2025 - Current
- GCC Reporting & Analytical Ownership: Designed and developed two analytical slides for Group Credit Committee (GCC) meetings – Large Exposures and Asset Class Performance – enhancing portfolio-level risk visibility for senior management.
- Large Exposure Monitoring: Developed and maintained the Large Exposure analysis, monitoring high-value customer and group-level exposures, identifying significant concentration risks, tracking exposure movements and highlighting key accounts requiring enhanced monitoring.
- Management Commentary & Deep-Dive Analysis: Prepared detailed analytical commentary for GCC meetings, investigating key portfolio movements, identifying underlying risk drivers, and translating complex data into actionable insights.
- Asset Class Performance Analysis: Created an end-to-end Asset Class reporting framework covering individual lending portfolios and products, providing comprehensive insights into portfolio performance, exposure movements, arrears trends, credit quality and emerging risk indicators.
- Risk Automation Initiatives: Contributed to risk automation team, identifying opportunities to automate recurring risk reporting and analytical processes using SAS, SQL and Excel, streamlining reporting processes.
- Team Guidance & Quality Oversight: Monitored team deliverables, reviewed analytical outputs and provided guidance to colleagues to ensure reporting accuracy, consistency and timely completion.
- Prepared monthly reports for IRB and IFRS9, facilitating informed decision-making for modeling stakeholders.
Risk Analyst
OSB India Pvt Ltd
Bengaluru
09.2023 - 10.2025
- Produced daily arrears reports in SAS, SQL, and Excel, monitoring exposure across buckets 1–6 for major portfolio groups and improving delinquency visibility for risk teams.
- Monitored early warning indicators against set metrics, helping reduce delinquency probability by 18% through review of external bureau scores and account attributes.
- Maintained internal risk band reporting at account level, reducing high-risk accounts by 8% through scoring and creditworthiness review.
- Supported KRI reporting across multiple loan types, helping reduce high-risk loan defaults by 10% through tracking arrears, applications, originations, forbearance grants, and book size movements.
- Prepared risk appetite reports defining acceptable bank thresholds and enhancing risk control.
- Performed arrears analysis to identify early risk, enabling a 15% reduction in accounts in arrears.
- Built monthly pre-arrears watchlists to flag customers at risk of delinquency, kept watchlist coverage for 12 months, and improved early risk detection efficiency by 20%.
- Automated RAS reporting in SAS and SQL for mortgage portfolios, built dashboards for delinquency, LTV, LTI, ICR, and segment exposure, improved reporting accuracy, and cut turnaround time by 40%.
Process Assosciate
Mr.Cooper(NSM Services Pvt Ltd)
Bengaluru
07.2020 - 11.2022
- Access multiple source files for daily loan applications, customer, and bureau information to facilitate data modeling and analytical insights on risk segmentation analysis for credit departments of investment companies, commercial and investment banking, credit card lenders, credit rating agencies, and other financial institutions. Update the process mapping timely.
- Analyze portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance drivers. Communicate findings and recommendations to the Risk Management and broader Line community.
- Prepared portfolio monitoring reports analyzing credit performance, segmenting customers into default vs non-default groups, and tracking performance for targeted improvements.
- Prepare portfolio-level origination snapshots indicating application trends with loan disbursal accounts, and provide reports on exceptions based on approval vs system approvals.
- Developed data-driven solutions from origination to account management for partners and created MIS reports with product-specific and region-specific market trend analysis.
- Developed collection strategies and capacity plans to optimize channels, enhancing operational efficiency.
- Implemented strategies that decreased delinquency by 12% through targeted actions.
- Process optimization resulted in a 30% decrease in work hours.
Education
Bachelor of Commerce -
Reva University
Bengaluru08-2020
Skills
- SQL Teradata SAS Power BI Excel
- DBMS Programming Strategy Development Credit Risk Analysis Data Analysis GCC reporting IRB and IFRS9 reporting
Personal Information
- Title: Senior Risk Analyst
- Date of Birth: 1999-05-30
Languages
Languages: English, Kannada, Tamil, Hindi
Timeline
Senior Risk Analyst
OSB India
10.2025 - Current
Risk Analyst
OSB India Pvt Ltd
09.2023 - 10.2025
Process Assosciate
Mr.Cooper(NSM Services Pvt Ltd)
07.2020 - 11.2022
Bachelor of Commerce -
Reva University