Sandeep Rathod, FRM,CMA
Summary
- FRM (GARP) with background in financial risk management. Strong technical proficiency with work history in risk management and Treasury.
- Motivated professional CMA. Adds value to any organization in need of great collaboration, interpersonal skills, and multitasking abilities.
- CFA level I qualified
- Certified Treasury Dealer
- Accomplished Chief Manager (Risk) confident in completing assessments, developing recommendations and presenting findings. Helps organizations control and balance risk for maximum profits.
- Organized and motivated employee eager to apply time management and organizational skills in various environments.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Chief Manager(Risk)
Punjab National Bank
08.2021 - Current
- Preparation of Internal Liquidity Adequacy Assessment Process (ILAAP Document)
- Proficient in IRRBB measurement methodologies, and risk modeling techniques.
- Implementation of Project OFSAA: Automation of Regulatory and Management Report Regarding Liquidity.
- Design and configuration of the functional specification document for OFSAA ALM (Asset Liability Management) and LRM (Liquidity Risk Management) modules.
- Identification, review, and reporting on key controls, policies, and procedures related to the management of liquidity and interest rate risk.
- Develop and implement liquidity risk governance policies and procedures, with a focus on liquidity risk stress testing, scenario design, and liquidity risk measurement.
- Developed in-depth reports, which delivered improved visibility, and enabled better control of liquidity risk.
- Write business rules for transforming input data and translate requirements into documentation artifacts for IT development.
- Data mapping from source systems to OFSAA staging.
- Handling GL reconciliation of source systems to GL data.
- Subject matter expertise related to liquidity risk and Enhanced Prudential Standards, including familiarity with daily reporting and data analysis requirements related to liquidity risk.
- In-depth understanding of liquidity standards prescribed under Basel III.
- Computation of the structural liquidity statement of both domestic and international banking unit (IBU) operations.
- Providing early warning signals of impending liquidity problems to top management.
- Liquidity Ratios: Computation and Monitoring. Liquidity Coverage Ratio (LCR) b. Net Stable Funding Ratio (NSFR) c. Stock Ratios.
- Monitoring of Contingency Management Triggers and Contingency Funding Plan.
- Preparation of Interest Rate Sensitivity Statements (Traditional Gap Analysis and Duration Gap Analysis).
- Computation of Earnings at Risk (EaR) and the impact of the change in interest rate on the Market Value of Equity (MVE).
- Analyzing the concentration risk of the liabilities profile.
- Implementation and upgradation of the Liquidity Risk system, reports: MIS reports implementation and validation, preparation of the ALCO (Asset Liability Management Committee) agenda and presentation, ALCO action points, and minutes. Catering to ad hoc requirements related to ALCO.
- Analyzing, monitoring, and reporting the liquidity risk profile to ALCO members.
- Regulatory returns preparation and submission (liquidity return, IRS, ALO, and BLR reports).
- Submission of data on liquidity risk, review, and analysis of the variations.
- Development of business and technical requirements, and documentation of key functions, including data mapping, business rules, and business process documentation.
Manager (Treasury Front Office)
IDBI Bank
Bangalore
07.2020 - 05.2021
- Providing market information and pricing advice to the organization.
- Dealing (money markets, FX, interest rates, long-term funding,Derivatives).
- Deal entry into the treasury management system (TMS).
Serving the rate quoting desk for all Forex transactions to customer and branches. - Contributing to the development of new financial products, structuring and financial engineering for corporate clients.
Retailing of government securities/treasury bills. Participation in auction on the behalf of non-constituent
Provide quotes in secondary market for debt securities to promote retailing in debt securities and generate income for treasury
Maintain and reporting of appropriate MIS system
Manager (Program Associate)
IDBI Bank Ltd
Hyderabad
11.2019 - 07.2020
- Building work plans with clear goals, milestones and metrics to implement L&D programs from planning, developing, implementing, and monitoring to evaluation.
- Implement Learning and Development plans and manage all technical and operational components pertaining to training activities
- To ensure timely submission of monthly/quarterly/annual returns, Monthly control returns
- Implement Learning and Development plans and manage all technical and operational components pertaining to training activities.
- To ensure timely floating, processing and finalizing of tenders as per requirements of JNIBF(Apex Training Institute of IDBI Bank) by following Bank/CVC guidelines
Assistant Manager
IDBI Bank Ltd
Nanded
06.2015 - 11.2019
- Plan, organize, direct, control and evaluate the branch operations of a bank, trust company, credit union or similar financial institution or of a department in such an institution responsible for administering personal and commercial loans, buying and selling securities, operating investment funds, administering trusts, settling estates or other related activities
- Ensure the institution’s policies and procedures are followed according to established guidelines and make recommendations for improvement
Network to develop business relations, promote the sale of loan, investment and other banking services and attract corporate and individual customers
Interview corporate and individual customers and respond to customer enquiries - Analyze, review and approve or reject loan and credit applications in accordance with authorized limits
Monitor processing of loan applications and credit investigations - Preparation of monthly financial and branch progress reports
- Plan, organize, direct, control and evaluate the activities of a credit department in an industrial or commercial organization
- Advise customers on the commercial and personal financial services corresponding to their needs
Evaluate and review loan and credit applications and collateral and make recommendations - Approve or reject credit applications, establish credit limits and determine repayment plans or schedules in accordance with authorized limits
- Ensure collection of overdue or delinquent accounts
- Ensure credit policies and procedures are followed according to established guidelines and applicable legislation
- Prepare credit and loan reports
Manager
Odisha Gramya Bank
Bhubaneswar
09.2014 - 05.2015
- Cash Management
- Liquidity management
- Preparation of Asset and liability management report
- Management of Investment portfolio
Education
MBA - Finance
ICFAI University
Delhi08.2010
Bachelor of Science - Science Education
Institute of Science
Nagpur05.2008
Skills
- Hands on experience on BASEL Guidelines related to liquidity Risks IRRBB,LCR, NSFR,liquidity Stress Testing
- Analytical risk assessment skills
- Hand on experience in SQL and PYTHON
- Data Management, Statistical modelling
- Advanced Excell Skills
- Adaptable to new concerns and changing environments
Certification
- FRM (GARP)
- CMA (IMA)
- Certified Treasury Dealer
- Certified Associate of Indian Institute of Bankers ( Corporate Banking)
- Junior Associate of Indian Institute of Bankers (IIBF)
- UGC-NET ( Management) Qualified
Timeline
Chief Manager(Risk)
Punjab National Bank
08.2021 - Current
Manager (Treasury Front Office)
IDBI Bank
07.2020 - 05.2021
Manager (Program Associate)
IDBI Bank Ltd
11.2019 - 07.2020
Assistant Manager
IDBI Bank Ltd
06.2015 - 11.2019
Manager
Odisha Gramya Bank
09.2014 - 05.2015
MBA - Finance
ICFAI University
Bachelor of Science - Science Education
Institute of Science
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