Listening to Music, Singing
TRINA DEB
Credit Risk Consultant (Senior Risk Specialist)
Summary
- Resourceful professional holding 11.6 years of collective experience in Strategy Implementation,Cards & Loans Strategy – Acquisition & Account management and currently working with Wells Fargo EGS India as Consumer Credit Senior Associate in Consumer Credit Risk.
- Organized and disciplined team player with the ability to excel in independent positions requiring minimal supervision, having ability to simultaneously handle multiple tasks with domain knowledge in Banking and technical proficiency in SAS, SQL, Decisioning Tool - Strategy Design Studio and Zoot.
- Seeking a techno-functional role on business operations to leverage the acquired knowledge and enrich with more challenging opportunities.
Overview
11
11
years of professional experience
10
10
years of post-secondary education
Work History
Senior Risk Analytics Consultant
Wells Fargo
Bangalore
01.2018 - Current
- Responsible for implementation & validation of Cards strategy – Acquisitions.
- Worked on creating decision flows to enable the business user to develop, test and deploy business rules into production region that runs the live, real time credit decisions.
- SAS & SQL used for data analysis, monitoring, developing simulation code for audit & reporting purpose.
- Preparation of test scenarios & execution of test cases.
- Worked on implementing champion challenger strategy.
- Responsible for the strategy changes based on pre-post Covid scenario.
- Has been responsible to work on Bureau data analysis and introduce in the Strategy.
- Led projects and analyzed data to identify opportunities for improvement.
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
- Managed team of employees, overseeing hiring, training and professional growth of employees.
- Technologies Worked on: MS Excel, Base SAS & SAS EG, SQL, TERADATA (Data access), Microsoft Visio, Zoot.
- Experienced in all project phases using Waterfall & Agile Methodologies.
Assistant Manager
HSBC
Kolkata
05.2012 - 03.2017
- SME for the project delivery/batch testing/power curve development for HSBC UK acquisition & Account management system.
- Role involved in onboarding strategy development and enhancement of existing strategy (Cards, Loans, Mortgage).
- Responsible for providing support and maintenance for different systems Consumer Mortgage Lending, Account management and Account opening (Consumer and commercial) that involves Development, testing and deployment of business rules into systems that needs to render an automated decision or action.
- Responsible for preparing test cases using SAS,SQL
- Data monitoring & reporting using SAS.
- Technologies Worked on: Strategy Design Studio, SAS, EG, Microsoft Visio, Excel, Data Warehouse (HUB/MIPS Client)
Business Analyst
HSBC
Kolkata
05.2011 - 04.2012
- Worked as an individual contributor for CARM FOR BANKS NBFI Scorecard development and enhancement.
- Was solely responsible for the client and stake holder management.
- NBFI credit risk models were developed to calculate PD, EAD and LGD using excel spreadsheet. NBFI scorecards logic was implemented in Excel spreadsheet.
- Objective of this project was to automate the process by migrating logic of these excel based scorecards in automated decisioning system SMG3.
- Technologies Worked on: SMg3, MS Excel
Business Analyst
HSBC
Kolkata
05.2011 - 08.2011
- Worked as an individual contributor for Invoice Finance Strategy development and enhancement.
- Was Responsible for end to end strategy development, testing, deployment & maintenance.
- Technologies Worked on: SMg3, MS Excel, SAS
Business Analyst
HSBC
Kolkata
11.2010 - 04.2011
- Provided support for Migration of Cards strategies from Mainframe to Unix
- Was responsible to build models to validate Triad and Decision system used throughout North America specifically for Card Retail Services (CRS), Consumer Mortgage Lending and Canada Business.
- The objective of Triad testing was to ensure that system specifications have been correctly implemented and that the solution meets business and performance requirements.
- SAS was used to build the models and validate Triad and Decision system.
- Technologies Worked on: MS Excel, SAS,SQL, HBIE (Unix Box), Mainframe, JCL
Programmer Analyst
Cognizant Technology Solutions
Kolkata
12.2009 - 07.2010
- Worked on development and enhancement of existing functionalities for different products of the client Metlife Insurance (Individual & MetLife's GVUL (Group Variable Universal Life) product).
- Was responsible for the client query handling as well as delivery of high priority change and end to end testing in Mainframe.
- Worked on SQL queries & DB2 management.
- Technologies Worked on : Mainframe Technologies COBOL, JCL, DB2,SQL
Education
Bachelor - Biomedical Engineering
JIS College of Engineering
07.2005 - 05.2009
Higher Secondary Examination -
DumDum Motijheel Girls High School
04.2002 - 03.2004
Secondary Examination -
DumDum Motijheel Girls High School
04.2000 - 03.2004
Skills
Skills
Technical : SAS, SMG3,SQL, Power Curve,Zoot Webrules
Microsoft Office Tools : MS Office, PowerPoint, Excel, VisioCredit risk
Additional Information
- Achievements :
- Received Team Star Award in HSBC.
- Received Award for Service Excellence in HSBC.
- Received Recognition from the Business in Wells Fargo.
- Received Team Excellence Award in Wells Fargo.
- Professional Travel & Training : Visited United States for training on Zoot Webrules & meeting with business partners. (Duration: October – November 2018)
Interests
Photography, Travel
Cooking
Netflix
Timeline
Senior Risk Analytics Consultant
Wells Fargo
01.2018 - Current
Assistant Manager
HSBC
05.2012 - 03.2017
Business Analyst
HSBC
05.2011 - 04.2012
Business Analyst
HSBC
05.2011 - 08.2011
Business Analyst
HSBC
11.2010 - 04.2011
Programmer Analyst
Cognizant Technology Solutions
12.2009 - 07.2010
Bachelor - Biomedical Engineering
JIS College of Engineering
07.2005 - 05.2009
Higher Secondary Examination -
DumDum Motijheel Girls High School
04.2002 - 03.2004
Secondary Examination -
DumDum Motijheel Girls High School
04.2000 - 03.2004