Risk Manager
Canara Bank
Total years of experience :27 years, 2 Months
Dec 2011 - Present Risk Manager
Canara Bank, Wholesale Branch, Manama, Bahrain
• Implementation and compliance of best practices and complete oversight/supervision in respect of Credit, Market and Operational Risk Management and working in tandem with various business heads to identify, analyze, and initiate steps to mitigate identified risk. Ensuring Capital adequacy and compliance to regulatory guidelines for Capital adequacy.
• Risk rating of borrowal accounts as per guidelines and ensuring Regulatory compliance thereof.
• Managing/Monitoring of Country and Counterparty Risk.
• Monitoring of Limits in respect of Country and Counterparty.
• Reporting of Transgression in limits and seeking ratification/enhancement.
• Asset Liability Management.
• Money market operations and managing MID office functions.
• Conducting ALCO Committee and Risk Management Committee meetings.
• Submission of Regulatory returns like Prudential Information Return ( PIR)
• Submission of other Risk Return like Modified Duration Gap/Earning at Risk / Interest rate sensitive reports, Basel Returns /Structural Liquidity/Risk based templates etc.
• Stress Testing and Scenario analysis based upon Internal guidelines.
• Implementation of Basel II/III including ICAAP by periodically reviewing the assets and ensuring compliance of provisioning requirements besides calculation of Risk Weighted Assets.
• Gap Management by following inflows/outflows in various time buckets and ensuring regulatory compliance.
• Liquidity management and ensuring compliance of Liquidity Ratios (LCR and NSFR) as per BASEL III.
• Annual Review of Credit/Market and Operational Risk Policies.
• Cost and Yeild analysis of various asset portfolio.
• Building and implementing an Operational Risk Management (ORM) framework within the organization.
• Analysing Key Risk Indicators (KRI) and the Risk and control self assessment (RCSA)
• Monitoring and reporting of Operational risk events and building reports.
• Outsourcing and Business Continuity (BCP) Management. Identifying critical processes and evaluating time criteria for controls and recovery and documentation thereof.
• Liasoning with Vendor and SWIFT operations.
July 2007 - Nov 2011 Senior Manager, Head of Recovery and NPL Management,
Canara Bank, Circle Office, Ranchi, India
• Responsible for implementation of Recovery policies in all the branches under the jurisdiction.
• Management of Non Performing Assets and Recovery.
• Identifying stress signals in borrowal accounts and initiating effective measures for revival of borrowal accounts.
• Identifying stressed accounts for Restructuring.
• Ensuring provisioning in NPA accounts as per Regulatory norms and Review of past and anticipated changes in provisions.
• Initiating Recovery measures besides taking steps for upgradation of special mention and delinquent accounts.
June 2004 - June 2007 Manager-in Charge of Internal Control /Operations / Business Development,
Canara Bank, Circle Office, Ranchi, India
• Responsible for Business development and Internal control and entire branch operations.
• Compliance Reporting and oversight/supervision of AML/KYC/CFT guidelines.
• Cash/Liquidity management.
• Ensuring deposit growth with key emphasis on CASA deposits.
• Liason with HNI for the growth of Business customer relationship management.
• Ensuring Business Continuity.
• Staff Matters.
June 2003 - June 2004 Officer, Human Resources Mgmt, Canara Bank, Patna, India
June 2000 - June 2003 Officer, Human Resources Mgmt, Canara Bank, Delhi, India
• As a HR officer Key responsibility included Compensation and Benefits, employee relations, Recruitment, selection, and transfers.
• Align performance management systems.
• Implementation of HR strategies like Quality Circle etc.
• Employee Development and Succession Planning and development of strategies for effective staffing in various work units.
• Staff welfare matters.
Mar 1997 - June 2000 Officer ( Credit/Forex), Lajpat Nagar/Kamla Nagar Branch,
Canara Bank, New Delhi, India
• Loan documentation of both Retail and Corporate Loans.
• Preparation of Credit reports and Credit Risk Reporting.
• Credit Risk assessment of various credit portfolio group and monitoring of expected and unexpected losses as well as reviewing provisions.
• Follow up for recovery/collections.
• Submission of Credit related statements and credit risk reporting.
• Calculation of Risk Weighted Assets based upon the Banks policy and in tune with regulatory guidelines.
• Implement and maintain credit risk policies and procedures.
• Follow up of credit limit excesses and reporting significant risk by following up special mention accounts.
2011 - MBA ( Finance) SMU, India
1994 - Bachelor of Science ( Mathematics) PU, Chandigarh, India Highlight -- First in Mathematics at Bachelor level.
