Saswata Biswas
Kolkata
Summary
Risk Manager with expertise in credit risk modeling and SQL scripting, previously at Bandhan Bank Ltd. Successfully automated the Risk Appetite Framework and developed robust capital requirement calculations, enhancing compliance with Basel III. Proven project management skills and a strong analytical mindset drive effective risk assessment and strategic decision-making.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Risk Manager
Bandhan Bank Ltd
Kolkata
04.2024 - Current
- Internal Capital Adequacy Assessment Process: Facilitated capital requirement calculations for credit risk within ICAAP, adhering to RBI guidelines.
- Model Development: Developed credit risk models to estimate Probability of Default, Loss Given Default, and Exposure at Default for ICAAP.
- Capital Charges Calculation: Performed calculations for capital charges on credit risk, and applied mitigation techniques in compliance with Basel III guidelines.
- Automation of Risk Appetite Framework: Collaborated with database engineers from the IT department to define derivation logic for monthly Key Risk Indicator (KRI) values across credit, market, integrated, infosec, and operational risk verticals, and facilitated accurate data extraction for RAF by writing SQL scripts to download monthly and quarterly data.
- Dashboard Development & Risk Monitoring: Coordinated with dashboard developers to create a Quarterly Risk Dashboard (Tableau), enhancing visibility into key risk metrics, and strengthening the bank’s risk management framework.
Senior Analyst/Software Developer
Capgimini Technology Services India Ltd
Kolkata
07.2020 - 07.2022
- Next-Gen Energy Solution Platform (EV): Worked as a Java back-end developer to help the team develop software that could enable EV users to book reserve charging points at charging stations.
Education
Post Graduation Diploma in Management - Banking And Finance
National Institute of Bank Management
Pune06-2024
Bachelor of Technology - Electronics & Telecommunication Engineering
Kalinga Institute of Industrial Technology
Bhubaneswar04-2019
Skills
- SQL scripting
- Risk assessment
- Python for finance
- Project management
- Credit risk modeling
- R
Languages
Bengali
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Certification
- The Data Science Course: Complete Data Science Bootcamp 2025 - Udemy
Timeline
Risk Manager
Bandhan Bank Ltd
04.2024 - Current
Senior Analyst/Software Developer
Capgimini Technology Services India Ltd
07.2020 - 07.2022
Post Graduation Diploma in Management - Banking And Finance
National Institute of Bank Management
Bachelor of Technology - Electronics & Telecommunication Engineering
Kalinga Institute of Industrial Technology
Similar Profiles
SHANTANU TYAGISHANTANU TYAGI
Relationship Officer at BANDHAN BANK LTDRelationship Officer at BANDHAN BANK LTD
Abhishek Paul BanswarAbhishek Paul Banswar
Branch Sales Manager at Bandhan Bank LtdBranch Sales Manager at Bandhan Bank Ltd
ANSHUMAN MOHANTAANSHUMAN MOHANTA
Assistant Branch Head at BANDHAN BANK LTDAssistant Branch Head at BANDHAN BANK LTD
Soumyadeep NagSoumyadeep Nag
Intern at AI Institute of South Carolina (AI @ USC)Intern at AI Institute of South Carolina (AI @ USC)
INDRAJIT MAJUMDARINDRAJIT MAJUMDAR
Management Trainee at Gitanjali Finance Private LimitedManagement Trainee at Gitanjali Finance Private Limited