Summary
Overview
Work History
Education
Skills
Websites
Certification
Extracurricular Activities
Personal Information
Internship
Timeline
Generic

Santosh Pandey

Uttar Pradesh

Summary

Certified Risk Professional with over 8 years of expertise in ALM, Market and Liquidity Risk, and Regulatory Reporting. Proficient in RBI compliance and treasury operations, with a strong background in system implementation including BALM and BASEL. Holds certifications in JAIIB and DTIRM, currently pursuing CAIIB. Focused on enhancing risk frameworks and streamlining reporting processes in dynamic financial environments.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Deputy Manager

Utkarsh Small Finance Bank
Varanasi
03.2022 - Current
  • Prepared ALCO notes, presentations, and policy reviews in line with RBI norms; supported market risk tracking and compliance.
  • Monitored counterparty limits and trading activities; maintained audit-ready data and facilitated RBI and internal audit processes.
  • Led ALM automation (BALM & BASEL) via Surya Software, delivering RBI-aligned reports and improving data accuracy.
  • Drafted BRDs, conducted UAT, and streamlined data flow and MIS processes, reducing manual effort and enhancing audit readiness.
  • Prepared and verified RBI reports (LR, BLR, IRS); contributed to behavioral analysis and stock ratio submissions.
  • Mentored staff on ALM concepts and ensured reporting accuracy through peer review and support during peak workloads.
  • Executed ALM projections, maturity analysis, and counterparty profiling; optimized deposit composition and IBPC flows.
  • Contributed strategic insights to ALCO and RMC reviews, aligning operational data with policy-level enhancements.

Deputy Manager

Mizuho Bank
Mumbai
03.2020 - 03.2022
  • Managed NOOP, GPB, AGL, VaR, and Basel III submissions to RBI and Head Office.
  • Prepared ALCO/RMC decks and investment reviews for executive decision-making.
  • Computed LCR, NSFR, and other regulatory ratios; coordinated with auditors for compliance validation.
  • Monitored customer/interbank limits and conducted tenor checks for risk management.
  • Reconciled transactions across Forex, Money Market, and Bonds to ensure accuracy.
  • Maintained historical risk data and tracked live positions using MAPS and G-Base.
  • Led NOOP automation and RPA initiatives to streamline reporting processes.
  • Identified process gaps and improved controls to enhance audit readiness and reporting accuracy.

Senior Officer

Bank of Bahrain and Kuwait
Mumbai
08.2018 - 02.2020
  • Monitored daily risk indicators, including LCR, FX-VaR, and G-Sec VaR, ensuring compliance with prudential limits.
  • Managed counterparty exposures and valuations for bonds, T-Bills, CDs, CPs, and debentures.
  • Oversaw treasury transactions such as Interbank, Repo, and CBLO to facilitate credit administration.
  • Prepared regulatory reports that supported BCP activities and compliance initiatives.
  • Coordinated ADF project to automate risk MIS, improving reporting efficiency.
  • Collaborated with vendors to implement Treasury Management System (ITMS), enhancing operational control.

Risk Management and Surveillance Executive

Angel Broking
Mumbai
03.2017 - 07.2018
  • Analyzed and monitored market risk exposures across exchanges using VaR, SPAN, and margin analytics; implemented risk mitigation strategies and reported on derivatives margin shortfalls.

Freelance Blogger (Technical)

Traderguide.in
Pune
07.2016 - 03.2017
  • Freelance Blogger at Traderguide.in, published technical analysis content on market trends using candlestick pattern.

Intern

UCO Bank
Kolkata
06.2015 - 08.2015
  • Understood the operational risk management framework and techniques used in bank.
  • To know about various risk metrics used across different risk department and capital adequacy calculation.

Process Executive

Infosys
Pune
05.2012 - 03.2013
  • Managed diversified portfolios across options, ETFs, mutual funds, fixed income, and tax-free instruments to align with risk and return objectives.
  • Executed reconciliation of multiple bank accounts linked to marketable securities, enhancing financial reporting precision.
  • Ensured compliance with internal bank policies and external regulatory frameworks through contribution to periodic reviews.

Education

MBA - Kolkata

Army Institute of Management
Kolkata
06-2016

B.Com -

Maeer’s Arts, Commerce And Science College, University of Pune
06-2011

XII - Commerce

Atomic Energy Central School
Jadugoda, Jharkhand
05-2008

X -

Atomic Energy Central School
Jadugoda, Jharkhand

Skills

  • Leadership skills
  • ALM automation
  • Regulatory reporting
  • Market risk management
  • Liquidity risk assessment
  • Valuation techniques
  • Surveillance strategies

Certification

  • JAIIB, Indian Institute of Banking & Finance (IIBF), 04/25
  • DTIRM (Diploma in Treasury, Investment & Risk Management), IIBF, 04/25
  • CAIIB, Appearing, 04/26

Extracurricular Activities

Authored personal growth blogs focused on day-to-day life and self-reflection., Secured 2nd prize in an inter-college abstract writing competition for 'The Indian Journey in BASEL Era.', Received Appreciation Award from Shri Ram Chandra Mission (SRCM) and the United Nations Information Centre for India & Bhutan., Earned Appreciation Certificate as a mentor during the 'Bazarre 2016' college event., Achieved 2nd runner-up position in Stock MIND 4, an inter-college competition organized by ICICI Direct and NISM.

Personal Information

Title: Risk Manager

Internship

Intern, UCO Bank, Risk Management Department, Kolkata, West Bengal, 06/15, 08/15, Operational Risk Management in Banks, Understood the operational risk management framework and techniques used in bank., Learned about various risk metrics used across different risk departments and capital adequacy calculation.

Timeline

Deputy Manager

Utkarsh Small Finance Bank
03.2022 - Current

Deputy Manager

Mizuho Bank
03.2020 - 03.2022

Senior Officer

Bank of Bahrain and Kuwait
08.2018 - 02.2020

Risk Management and Surveillance Executive

Angel Broking
03.2017 - 07.2018

Freelance Blogger (Technical)

Traderguide.in
07.2016 - 03.2017

Intern

UCO Bank
06.2015 - 08.2015

Process Executive

Infosys
05.2012 - 03.2013

MBA - Kolkata

Army Institute of Management

B.Com -

Maeer’s Arts, Commerce And Science College, University of Pune

XII - Commerce

Atomic Energy Central School

X -

Atomic Energy Central School

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