Venus Vaid

Counterparty Credit Risk, Stress Testing

• Directed the 2nd Line of Defence team in conducting scenario-based stress tests on counterparty credit risk for internal limit monitoring, as well as regulatory processes—CCAR and SRWA—involving advanced risk measures such as EEPE, EAD, and CPDL.
• Utilized sensitivity-based risk models to measure indicative exposures, enhancing precision in credit risk reporting.
• Presenting risk drivers, spot-to-scenario moves, period-over-period changes, portfolio concentrations, and correlations to various stakeholders on a monthly/weekly basis.
• Managed stakeholders and led crucial regulatory runs.
• Mitigated risks by identifying and correcting irregular exposure metrics, and data quality issues.
• Fostered an inclusive culture through mentorship and diversity programs.
• Managed internal audits and facilitated external evaluations with timely input.

• Managed a regional team of credit officers across 65 branches to oversee credit underwriting, sanctions, and portfolio monitoring.
• Credit Convener for board-level approvals for high-ticket size, high-risk proposals.
• Established partnerships with peer financial institutions to coordinate co-lending efforts, supporting large-scale infrastructure ventures.
• Facilitated integration of RAROC framework to enhance return management and risk assessment.
• Enabled branch-level growth in advances through effective budget allocation and operational guidance.
• Contributed to priority sector development by supporting government projects such as Digital India and Make in India.
• Ensured continuous compliance with regulatory guidelines, BASEL norms, and the dissemination of these policies/frameworks to field functionaries through workshops and circulars.
• Liaised with credit bureaus and ratings agencies effectively.
• Directed timely enforcement of corporate debt restructuring and resolution policies
• Generated innovative ideas to boost branches' performance in the lending business.
• Conducted onsite visits to companies, fostering rapport through strong interpersonal communication and mapping out future business goals

• Underwriting of credit proposals with financial analysis, credit rating, risk analysis, and due diligence. for the timely implementation of corporate debt restructuring and resolution measures.
• Responsible for the credit assessment and due diligence of a portfolio of corporate clients of the bank.
• Customization of the products and participation in the loan syndication process.
• Handled annual audits (internal and external), ensuring minimal audit observations, as well as timely closure of the audit observations.

• Prepared detailed reports outlining portfolio activity and performance metrics.
• Reviewed and analyzed portfolio performance data to identify trends, discrepancies, and opportunities for improvement.
• Work alongside finance associates to optimize financial and portfolio management systems.
• Supported the creation of performance tracking tools, including scorecards and dashboards.

• Supported the execution of investments in funds for corporate and HNI clients by performing financial analysis and modeling.
• Prepared and presented investment committee memos.
• Monitored investment performance and rebalance the portfolio based on the economic and industry outlook.