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Credit Manager Resume Profile

SPECIALTIES

  • Business AnalysisManagement/Business ConsultingFinancial Services AdvisoryBanking Insurance
  • Data Modeler Dimensional Modeling Data warehousing Business Intelligence Informatica Teradata FSLDM Client Engagement Program/Project Management Resource Management

APPLICATION DEVELOPMENT / CLIENT ENGAGEMENT / DELIVERY RESULTS

  • Santhosh has ten years plus experience in Business Analysis, Banking regulatory reporting, Data Architecture / Data Modeling / BI strategy, planning and development, expertise in delivering best in class data warehouse solutions and actionable insights for clients like JP Morgan, Union Bank of Switzerland, OCBC Bank and M T Bank
  • Delivered multiple successful DW / BI implementations across the spectrum of complexity and business functions including Regulatory Reporting Online Mobile Banking, CCAR, LCR, AML, BSA, BASEL Dodd-Frank / Credit Risk / Liquidity Risk / Wealth Management / Equities Fixed income / Global General Ledger / Online Mobile Banking / Marketing Analytics / Funds Accounting / Finance Change Management / Insurance Claims Management
  • Extensive experience in building Architecture, Dimensional Modeling, Teradata FSLDM, Data Modeling, 2NF 3NF Data Warehousing, Data Analysis, Data Governance, ODS, Data Marts and MDM solutions
  • Currently member of the 4 member steering committee which makes all Architectural, Processes, Standards, Data Governance Modeling decisions for Enterprise Data Warehouse
  • Extensive experience in building/architecting Data Models, Model maintenance, Erwin Model Management, and setting the standards
  • Certified Scrum Master with experience in Lean Agile methodologies
  • Experience in managing engagements with revenue up to 25 Million.
  • Extensive experience in writing complex SQLs, and have expertise in applications/tools such as ERwin/ Teradata/Oracle/ DB2 / Business Objects / Informatica Query tools.
  • Experience with writing Business Requirement Documents BRD , Functional Specifications, Data Mappings documents, detailed process flows, design solutions, techno functional documents and working with ETL development teams to get the design/requirements implemented.
  • Proficient in Project Management and SDLC methodologies Agile/Waterfall
  • Extensive client facing experience in the North Americas, EMEA APAC in Banking and Financial Services, Retail and Product Development Space
  • Expert at people management and issue resolution. Managed and led technical teams and met expectations on both sides, i.e. the client as well as internal team members. Worked and communicated with stakeholders from various practices and kept all teams updated, leading to a large improvement within the team's performance on all projects.
  • Conducted performance reviews and appraisals, and mentored teams to achieve their career objectives
  • Quick learner in adopting new Tools and work out solutions independently and in leading teams
  • Functional Technical Skills
  • Have Extensively Worked on:
  • Financial Services Domain: Consumer Banking, Commercial Banking Investment Banking, Credit Risk, Liquidity Risk, Retail banking, Online and mobile banking, Payments, Assets Liabilities, Equities Fixed Income, Risk Management, Insurance Claims Management
  • Regulatory Reporting: CCAR, LCR, AML, BSA, BASEL I, II and III Dodd-Frank Act
  • Business Analysis: Requirements Analysis, Elicitation, Requirement management communication, Solution Design Assessment, Functional Design Documentation, User Stories, Use Cases, Data Modeling thru ERwin
  • Data Modeling:Teradata FSLDM/BDW, Erwin, Model manager
  • Architecture: Data Marts, ODS, MDM, Data Governance, Processed Standards
  • Project Delivery: Extensive experience Project Delivery and leading BA/ETL/QA/UAT/Production Support functions management for large data warehouse projects
  • Data Warehousing ETL Tools: Informatica, Ab Initio
  • Query Tools: Advanced Query Tool, Toad, DB Artisan, SQL Server, Teradata SQL Assist
  • Business Intelligence tools: Business Objects, SAS BI
  • Proficient in writing complex SQL queries and performance tuning
  • Databases: Teradata, SQL Server, DB2 and Oracle databases
  • Extensive experience in MS Office Excel Visio and in creating data flow charts and slicing and dicing of data
  • Defect/Issue tracking tools: Quality Center, JIRA and Clearcase Testing Tools

CAREER HISTORY PERFORMANCE

Confidential

  • Enterprise Data Warehouse Program Delivery/Claims Processing Analytics/Regulatory Reporting
  • Responsibilities:
  • Create road map for the Claims data processing Analytics.
  • Created Data Model for Claims Data Warehouse CDW done requirement gathering for legacy applications mapping to CDW
  • Drive whole cycle of data collection, data profiling, specifying, developing, implementing, maintaining, and performance tracking of the Data Warehouse strategy which will provide 360 degree view of customer relationship, meet Claims regulatory reporting needs and are in compliance with Data Governance/Process standards.
  • Resource Management Technical Project Delivery and business analysis for complex requirements.

Confidential

Enterprise Data Management Program Delivery CCAR / LCR / AML / BSA Regulatory Reporting

Credit Risk reporting group has tasked EDM team to create a robust Credit Risk Reporting Data Management for Comprehensive Capital Analysis and Review CCAR , Anti Money Laundering AML , Banking Secrecy Act BSA and Liquidity Coverage Ratio LCR for accurate monitoring/reporting on credit risk for both internal and regulatory reporting. Role of the Senior Business Analyst/Data Architect/Data Modeler is to gather requirements and fully integrate the requirements to the Data Warehouse for various processes/standards to meet Business/Organization data needs. These responsibilities include Establish Standards, ETL Processes, Architect Solutions, entire warehouse data models, Convert Data/Business requirements to Models/Solutions and establish best practices for Data Governance.

Programs/Projects:

Confidential

  • Create roadmap for Credit Risk CCAR Reporting Framework implementation and organization wide deployment for FRY - 14M/Q Monthly Quarterly Loan Portfolio Level Reports / FRY-14 Q Quarterly Actual Reporting / FRY -14Y Annual Forecast Report and CCAR Stress Models
  • Liquidity Risk Management and Compliance - LCR Calculation Reporting:
  • Work with Risk team to calculate the new Basel III Liquidity Coverage Ratio LCR and including liquidity buffer eligibility rules and haircuts. Consolidate leverage, capital and liquidity ratios per booking entity or currency. Manage your liquidity risk calculations, regulatory compliance and reporting from a single, integrated platform, offering access to users across the organization. Risk, finance, ALM and liquidity teams can easily access the same underlying data for more consistent and streamlined liquidity risk management.
  • Anti-Money Laundering and Bank Secrecy Act AML/BSA Reporting:
  • Work with Risk team to build solutions for ensuring adherence to State and Federal regulatory compliance with Anti-Money Laundering and Bank Secrecy Act AML/BSA requirements. Driving Enterprise Data Management Team, to ensure operational efficiency and comprehensive results are met for AML/BSA related functions including Customer Due Diligence and Enhanced Due Diligence review of high risk customers.

Responsibilities

  • Credit Risk Requirement Gathering, Analysis Solution Design for Consumer Commercial Schedules and Stress Models
  • Creating Business Requirement Documents, Functional Specifications, Logical/Physical Data Mappings, Data/Process Flows and coordinating with Development teams
  • Currently member of the 4 member steering committee which makes all Architectural, Processes, Standards, Data Governance Modeling decisions for Enterprise Data Warehouse
  • Complete ownership for the M T EDW Logical/Physical data modeling which includes integrating data from various business areas like Credit Risk, Deposits, Transactions, Accounting Systems, and Regulatory Reporting etc.
  • Responsible for providing Architectural solutions for Relational and Dimensional data design and modeling, ER Models, Data Marts, ODS, MDM solutions, Re-usable Components, Project/requirement based Solution designs, establishing naming/performance standards
  • Primary and Single owner for EDW Teradata FSLDM and for creating LDM/PDM models
  • Drive whole cycle of data collection, data profiling, specifying, developing, implementing, maintaining, and performance tracking of the Bank's Data Warehouse strategy which will provide 360 degree view of customer relationship, meet Business/regulatory reporting needs and are in compliance with Data Governance/Process standards.
  • Successfully built Customer ODS, Transaction ODS, Data Mart solutions
  • Creating Logical Mappings from source to Integration and to Access Layers and review with Stakeholders.
  • Creating solution model building blocks for complex logics and establish the re-usable designs
  • Drive data/business requirements meaningful designs so as to meet reporting needs for Transactional or Analytical processing / Lead the ETL/Business Analysts team at Program level and ensure timely delivery of individual project specific Architecture Modeling solutions and help meet Project Delivery timelines
  • Creating Technical/Functional design documents, Requirement Specifications, Process flow, Data modeling Mappings, Solution Approach/Implementation artifacts and Project execution approach documents
  • Review Business requirements/Architectural Decisions/standards and Processes improvements /Modeling designs/Relationship and Dimensional Models with Program/Project stake holders.
  • Define templates or other means for soliciting and reviewing management judgments that are incorporated into the requirements models

Mentor/Training Project team for Business Analysis,

Confidential

Data Management Analytics

Key Job Responsibilities

  • Building Solutions for Integrated Customer Data Warehouse and Online Mobile banking with a high-performance, scalable, extensible, and providing a 360 degree view of the customer, which is critical to support future growth.
  • Drive Requirements Analysis, elicitation, Data Architecture, BDW Data Modeling, Solution design Implementation for Online and mobile banking product Development/Enhancements.
  • Responsible for providing Data Architectural solutions for Relational and Dimensional data design and modeling, ER Models, Data Marts, Project/requirement based Solution designs, establishing naming/performance standards
  • Creating Techno/Functional design documents, Requirement Specifications, Process flow, Data modeling for Solution Implementation and Project execution approach documents
  • Map Relational/Dimensional Entities for Teradata BDW Banking Data Warehouse and prepare Logical Mappings repository to integrated environments.
  • Part of the Core team which built the Integrated Customer Data Warehouse for Online Mobile banking which caters to entire data needs of JPMC.
  • Co-Architected and built Billing, Alerts, Electronic Receipts Payments data Marts which house transactional/relationship/compliance data.
  • Drive Project Management plan, estimations, Project status, Development, IST and UAT status reviews, implementation and risk management plans.
  • Review Requirements and Functional/Technical Design with Project stake holders and seek signoff on architecture/design solutions.
  • Data Modeling for large complex data mart, Building comprehensive solutions for Online Mobile banking Data Marts for Data Management and Business Intelligence
  • Managing stakeholder meetings and driving Development QA teams for the Design, coding and Testing activities
  • Project specific Client Engagement for Project Delivery/Resourcing/RFPs/Relationship or Escalation management needs.
  • Establishing the Processes/Standards/Maintenance data quality of Transaction data feeds like Alerts, Payments and Transfers
  • FSLDM/BDW and Domain trainings to the BA, ETL QA teams
  • drive logical analysis, gap analysis suggest recommendations about data quality, performance and process improvements
  • Complete responsibility for Project development plan, budget, resourcing technical scope.

Confidential

Finance IT Program Delivery: Global General Ledger / Finance Change Management / Wealth Management / Risk Management / Regulatory Reporting

Building solutions for Finance change for a range of feeds, primarily from Front Office trade capture and risk management systems to the Global General Ledger. These feeds cover Equities, Derivatives, Fixed income, Commodities and FX products. Responsible for designing solutions for efficient integrated front-to-back solutions for P L reporting, Balance Sheet reporting and Treasury support.

Responsibilities handled

Led a team of 8 Business Analysts working on Finance Change

  • Drive Scope definition estimation of the Finance Change Requests and build business cases for prioritization of product enhancements / Understand business issues and challenges and translating them to specific Business and software requirements / Preparing Business Requirement Specifications, Process flow, High level Design and Implementation and Testing approach documents
  • Conducting Interviews, JAD sessions for Requirement Gathering, Elicitation, Analysis and designing Solution and documentation of Functional Design Documents / Preparation and Maintenance of Functional specifications and conduct structured walk through stake holders
  • Validating the Global General Ledger Accounting entries, Business Rules, Functionality and change request objectives to Financial Design Database using the account posting generator rules
  • Building comprehensive Risk Management filters for exchange Traded Instruments.
  • Managing stakeholder meetings and driving consensus to fit in with planned timescales and Coordinating with Development team for the Design and coding activities
  • Developing comprehensive and robust test cases plans and execution of these tests to ensure successful delivery of regular global technology releases / Finance Change Functionality Testing Providing BA's Development signoff
  • Liaise with business users for sign off in the Testing/UAT layers of the code
  • Perform logical analysis suggest recommendations about enhancement and fixes to business users
  • Provide object based cost estimations and Assist in project planning and Participate in the prioritization process
  • Key Achievements in GGL - CAL Project:
  • Delivered solutions for Executive Lean Agile implementation in the GGL Finance LOB
  • Received Feather in My Cap award for outstanding contribution towards Re-designation of Assets project
  • Received Shining Star award for outstanding contribution towards Strategic Common Data Sourcing Project
  • Acknowledged as the one of Best Resources in the practice and commendation cited by Delivery managers in AIM practice magazine for 4 quarters
  • Received UBS Senior Management Appreciations for contributions in CSI Repos, Re-designation of Assets, Strategic Common Data Sourcing Projects
  • Received appreciation from Client for preparing the Global Functional Specification implementation for across feeds, it's a huge cost saving in long term for UBS IB
  • Automated effort estimations by creating an Estimation calculation engine 20 improvement in providing effort estimation for customer
  • Documented Managed services Documents in record time and received sign off from client
  • Articulated Process Documents and Functional and Business Analysis Training materials

Confidential

Credit Manager - Credit Analysis / Investment Management / Risk Management

Responsibilities Handled:

  • Risk assessment and Credit appraisal for corporate clients
  • Risk Management and Credit management for the alternate channels
  • Business Banking, Wealth Management services for SMEs and HNIs
  • Transaction Banking and Forex services forSME and large corporate clients
  • confidential
  • Role: Associate Manger Wealth Management for HNI/SME/Corporates
  • Responsibilities Handled:
  • Acquisition of clients for Wealth Management and Transaction Banking
  • Customer risk profiling Asset allocation, Product scheme selection Portfolio monitoring, review restructuring
  • Enhanced services across Mutual funds, Direct equities, Insurance
  • Strong client engagement by providing portfolio information market dynamics through active interaction with the Research desk
  • Responsible to take care of liabilities operations sales for personal banking segment

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