Soumya Hait
Bangalore
Summary
Soumya is a seasoned analytics and consulting leader with ~17.6 years of experience in the BFSI domain, specializing in business & analytics consulting, predictive analytics, AI/ML implementation, and digital transformation. Proven expertise in developing and managing end-to-end data-driven solutions, particularly in retail and commercial lending.
Skilled in stakeholder engagement, service delivery, thought leadership, and process innovation, with a track record of creating intangible assets and automation frameworks. Recently published white papers on Basel 3.1 credit risk regulations, addressing global implementation challenges. Currently co-authoring a research paper with IIM Indore on “Digital Transformation Ethics, Regulation, and Governance in Business & Management.”
Overview
18
18
years of professional experience
1
1
Certification
Work History
Director
Standard Chartered Bank
02.2025 - Current
- Lead IFRS9-based ECL forecasting and reporting across WRB portfolios globally.
- Own end-to-end loan impairment process and budgeting, ensuring accuracy, governance, and timely delivery.
- Drive country-level overlay assessments and provide expert guidance on methodology.
- Engage senior stakeholders across Risk and Finance for strategic alignment.
Assistance Vice President
EXL Service
12.2021 - 01.2025
- Spearheaded development of a GenAI-powered BCBS239 risk aggregation tool to enhance regulatory reporting efficiency.
- Led digital transformation of financial model operations for a major UK bank, improving model governance, accuracy, and AI/ML integration.
- Acted as Regulatory Modeling SME, delivering Basel 3.1 (BCBS424) and PRA (CP16/22) implementations for retail and commercial portfolios.
- Managed cross-functional teams across data, compliance, and model development to ensure agile and timely delivery of regulatory solutions.
- Built a Basel 3.1 model impact monitoring tool, enabling forward-looking insights for business stakeholders.
- Contributed to thought leadership through white papers on regulatory developments and modeling practices.
Credit Risk Analytics Officer
Wells Fargo
08.2018 - 12.2021
- Led AI/ML model transformation in retail portfolios by replacing traditional models with GBM/SVM-based solutions.
- Delivered end-to-end credit risk model development (PD, LGD, EAD) and governance across auto, real estate, and business card portfolios.
- Drove tech migration from SAS to PySpark, enabling scalable big data processing.
- Oversaw model governance, including MRF resolution, AR, RFI handling, and macroeconomic impact assessment.
- Built and led a high-performing team; mentored talent across projects.
- Developed a Python-based tool for automated documentation, cutting turnaround time significantly.
Manager
GENPACT INDIA
02.2009 - 08.2018
- Led end-to-end modeling projects (regulatory & non-regulatory) for top banks in the USA, Canada, and Asia – covering BASEL, IFRS9, CCAR, ALLL, and loss forecasting.
- Facilitated business site visits to align stakeholders and define strategic project roadmaps; ensured smooth onshore–offshore coordination.
- Delivered predictive analytics solutions across retail and commercial portfolios – auto, cards, lines, SME, real estate, and bonds.
- Managed talent development, mentoring new hires and building high-retention teams.
- Acted as site LEAN coach, driving continuous improvement and operational efficiency across functions.
Statistical Analyst
CRANES SOFTWARE INT LTD
11.2007 - 12.2008
- Conducted R&D on time series and logistic regression techniques using SYSTAT statistical software.
- Co-developed and published the Most Valuable Player Index (MVPI) for performance measurement in sports, later adopted in professional cricket analytics.
Education
EMBA (PGDM) - management and digital transformation
IIM Indore
01.2024
M.Sc. - statistics
University of Kalyani
01.2007
Skills
- Digital strategy development
- Model development
- Predictive analytics
- Model risk management
- BASEL / IFRS9 / CCAR
- Data science
- Artificial intelligence
- Machine Learning
- SAS / Python / Excel VBA
Certification
Post graduate (PGCP), Data science & machine learning
IIT Roorkee, 2022 - 2023
Six Sigma Green Belt
Genpact, 2014
Publications
- BASEL3.1 regulatory changes for retail lending and global business impact 2022 (https://www.exlservice.com/insights/white-paper/basel-iv-credit-risk-changes-commercial-exposures-excl-real-estate)
- BASEL3.1 regulatory changes for commercial lending and implementation challenges 2022 (https://www.exlservice.com/insights/white-paper/basel-iv)
- Most valuable player index (MVPI) in cricket 2008 Convert all cricket players performance into a single index. (https://www.rediff.com/cricket/2008/sep/12mvp.htm)
Timeline
Director
Standard Chartered Bank
02.2025 - Current
Assistance Vice President
EXL Service
12.2021 - 01.2025
Credit Risk Analytics Officer
Wells Fargo
08.2018 - 12.2021
Manager
GENPACT INDIA
02.2009 - 08.2018
Statistical Analyst
CRANES SOFTWARE INT LTD
11.2007 - 12.2008
EMBA (PGDM) - management and digital transformation
IIM Indore
M.Sc. - statistics
University of Kalyani
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