Summary
Overview
Work History
Education
Skills
Certification
Work Availability
Work Preference
Software
Timeline
Generic
Shikha Kalbhor

Shikha Kalbhor

Risk Management

Summary

Experienced Financial Risk Manager (FRM) skilled in data preparation, EDA, and credit risk management (PD, LGD, EAD) under Basel, IFRS 9, and ASRF frameworks. Proficient in model monitoring, backtesting, scenario analysis, and PD calculation using Z Score, log odds shift, and scalar approaches. Expertise in stress testing (CCAR, DFAST, FSAP, ICAAP), low default portfolios, CECL models, and model validation. Strong in time series analysis, correlation modeling, regression, yield curve fitting, and credit score modeling with vintage and roll rate analysis.

Overview

12
12
years of professional experience
1
1
Certification
2
2
Languages

Work History

Credit and Collection Analyst

Genpact
04.2022 - Current
  • Implemented robust monitoring systems to proactively identify high-risk accounts, enabling targeted collection efforts.
  • Managed a diverse portfolio of accounts, ensuring appropriate actions were taken to maintain financial health.
  • Streamlined internal communication channels between departments involved in the collections process, fostering improved collaboration toward common goals.
  • Coordinated with legal counsel on complex cases, ensuring appropriate actions were taken to protect company interests and recover outstanding debts.
  • Trained junior analysts in best practices for credit analysis and collection techniques, elevating team capabilities overall.
  • Optimized cash flow management by closely monitoring receivables aging reports and taking prompt action where needed.
  • Improved credit analysis accuracy by streamlining data collection and report generation processes.
  • Collaborated with sales teams to assess credit risk for potential customers while maintaining company growth goals.
  • Negotiated payment plans with delinquent customers, achieving successful repayment outcomes without legal intervention.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Attended credit-related training and conferences to stay informed about industry trends and developments.
  • Collaborated with other teams to identify and mitigate risks impacting organization.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.

Collections Agent

Accenture
01.2021 - 03.2022
  • Achieved successful debt collection results by utilizing negotiation skills and developing customized payment plans.
  • Achieved performance goals on consistent basis.
  • Counseled debtors on payment options and arranged installment agreements.
  • Worked in call center environment handling manual and automatically dialed outbound calls.
  • Managed past due collection calls, skip tracing, outside collections agency coordination and litigation activities.
  • Directed day-to-day collections functions.
  • Processed payments and applied to customer balances.

Fraud and Risk Analyst

Barclays Shared Services,Noida
11.2018 - 12.2019
  • Detected fraudulent activities by conducting thorough investigations and analyzing transactional data.
  • Reviewed customer accounts for unusual activity or patterns indicative of potential fraud risks, flagging concerns for further investigation.
  • Provided training to staff on emerging fraud trends, ensuring a proactive approach to risk management across the organization.
  • Collaborated with cross-functional teams to develop comprehensive fraud prevention plans.
  • Improved efficiency of risk assessment processes, streamlining operations and reducing false positives.
  • Reduced fraud instances by implementing advanced data analysis techniques and monitoring patterns.
  • Maintained up-to-date knowledge on industry best practices, incorporating relevant information into existing procedures as needed.
  • Evaluated new technology solutions, ensuring the most effective tools were utilized in combating potential threats.
  • Tracked fraud cases and monitored trends to develop strategies for prevention.

Team Leader Manager

HDFC Bank
12.2015 - 05.2018
  • Led employee relations through effective communication, coaching, training, and development.
  • Conducted regular performance reviews, providing constructive feedback and coaching to facilitate continuous improvement among employees.
  • Enhanced team productivity by implementing efficient workflow processes and setting clear performance expectations.
  • Increased productivity by [Number]% and revenue streams by [Number]% through effective change management practices.
  • Drove performance of staff by creating incentives and positive work atmosphere and administering recognition and rewards programs.
  • Evaluated employee performance and coached and trained team members, increasing quality of work and employee motivation.
  • Mentored junior team members, fostering a positive work environment that encouraged professional growth.
  • Exceeded sales targets by motivating team members and providing ongoing coaching.
  • Enhanced customer satisfaction through proactive problem-solving and consistent followup.
  • Developed strong relationships with key clients, resulting in increased repeat business.
  • Conducted regular performance evaluations, identifying areas of improvement and adjusting training programs accordingly.

Deputy Manager of Operations

ICICI Bank
08.2012 - 09.2015
  • Improved operational efficiency by streamlining processes and implementing best practices.
  • Conducted regular audits to ensure compliance with regulatory requirements and internal policies.
  • Led process improvement projects that resulted in increased efficiency and reduced waste within the operations department.
  • Played an integral role in driving company growth by optimizing operations performance, leading to increased revenue generation opportunities.
  • Implemented new systems and technologies to optimize workflow and increase productivity.
  • Monitored daily cash discrepancies, inventory shrinkage and drive-off.

Education

FRM Charter Holder -

GARP
04.2001 -

MBA - Banking And Finance

Manipal University
Bangalore
04.2001 -

Bachelor of Commerce - Accounting

IEHE
Bhopal
04.2001 -

Skills

Credit Risk Modelling

Certification

FRM Charter Holder

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse

Work Preference

Work Type

Full Time

Location Preference

On-SiteRemoteHybrid

Software

Python

MS Excel

Powerpoint

Slack

Teams

Outlook

Finacle

Salesforce

Power BI

Timeline

FRM Charter Holder

09-2023

Credit and Collection Analyst

Genpact
04.2022 - Current

Collections Agent

Accenture
01.2021 - 03.2022

Fraud and Risk Analyst

Barclays Shared Services,Noida
11.2018 - 12.2019

Team Leader Manager

HDFC Bank
12.2015 - 05.2018

Deputy Manager of Operations

ICICI Bank
08.2012 - 09.2015

FRM Charter Holder -

GARP
04.2001 -

MBA - Banking And Finance

Manipal University
04.2001 -

Bachelor of Commerce - Accounting

IEHE
04.2001 -

Similar Profiles

CREATE PROFILE
Shikha KalbhorRisk Management