Manager
Riyad Bank
Total years of experience :22 years, 11 Months
Product implementations at - Samba Bank - Riyadh, NABARD - India and RBI - India.
Intellect Liquidity Risk Management (I-LRM) is a Risk Management Solution, a part of Intellect Suite of Products developed by Polaris Software Labs. The five pillars of this system cover Real-time liquidity, Structural Balance Sheet Management (ALM), Funds Transfer Pricing (FTP), Basel III Reporting, Counterparty Credit Risk & Collateral Management. The system enables the banks and financial institution’s world-wide to comply Basel III regulatory reporting.
Asset Liability Management (ALM) measures the Interest Rate Risk & Liquidity Risk for the financial institution’s portfolio as per the global standards.
Funds Transfer Pricing (FTP) provides a single unified engine for evaluating the two aspects of performance measurement in banking operations - the profitability of operations as well as the risks assumed in earning these profits. The Transfer Pricing module operates on the principle of the ‘Match Funding’. It is designed to manage risk effectively and to accurately measure performance in various divisions of the bank. The system helps to provide information on diverse cost and revenue towards ranging from single transaction level to aggregated banking profitability analysis. The system allows the FTP Manager to do the Pricing based on various rating methodologies like TSIR (Term Specified Interest Rates), Liquidity Premium, Pool Rate, Fixed Rate and Zero Coupon Rates).
Responsibilities:
Discussions with the business team and ensuring the user requirements are documented clearly in the form of Business requirement documents.
To ensure proper translation of business requirement document in to Functional specification document.
To build the Conceptual, Logical and Physical Data Model and work closely with the technology team.
To obtain and record approvals / signoffs received from business team on the business requirements.
Managing the delivery and business analysis team of about 20 members across the implementations and a team of 15 people for delivering the product internal roadmap for ALM, FTP & Basel III Reporting.
Track the delivery of all the ongoing implementations of the product along with doing the market research in building new features and functionalities in the product roadmap project.
Ensure the delivery dates for all the engagements are met with appropriate solution in the product and track the projects milestones closely.
Identify the Risks in the project and handle the timely escalation from teams across and with the customer.
Risk Results Repository (RRR) April 2012 - Dec 2012
Client: Credit Suisse, UK
Environment : Java, Oracle 11g and Panopticon
Role: Techno-Functional Consultant
The objective of the project RRR is to build a consolidated Risk Results Repository and develop a platform for visualization and reporting. It is a Risk Management Solution which comprises of data from Market Risk and Credit Risk systems - Global VaR (Value at Risk) team, Incremental Risk Charges(IRC), Economic Risk Capital(ERC), Consolidation of Profit & Loss from various businesses, Simulation Results like Back-Testing, Stress-Testing, Scenario Analysis, Results of Portfolio Analysis and Credit Adjustments.
The solution encompasses to build a reporting process flows framework on to the risk results repository so as to utilize Business Intelligence for Reporting and Panopticon as Visualization tool. The results repository finally that lends itself to real-time refreshing of results, optimum performance aligning with the data volumes, data security with entitlements.
Responsibilities (onsite):
Discussions with the business team and ensuring the user requirements are documented clearly in the form of Business requirement documents for Value at Risk module (VaR).
To ensure proper translation of business requirement document in to Functional specification document.
To build the Conceptual, Logical and Physical Data Model and work closely with the technology team at offshore.
To obtain and record approvals / signoffs received from business team on the business requirements.
Provide test cases and actively participate in User acceptance test and ensure closure of open findings in a timely manner.
Intellect ALM product measures the Interest Rate Risk & Liquidity Risk for the financial institution’s portfolio as per the global standards.
The project involved the replacement of 10-year-old legacy software being used by the client at multiple geography locations. Intellect ALM product was chosen to replace the existing system and to manage / automate the mid-office operations of the bank’s treasury team.
There was a need to build the Product processor to perform the ETL part which connects with various source systems of the bank to manage the data extraction, mapping & transformation, reconciliation and load the refined data towards the ALM product.
Responsibilities:
Business analysis (onsite):
Understand and document business requirements by interacting with Client/ Business
Perform Risk Model Validation for Interest Rate Risk & Liquidity Risk
Support development team with functional & technical clarifications during implementation
Project management (offshore)
Act as single point of contact with multiple teams - client team, Polaris onsite team and Polaris engineering team
Involved in project planning & delivery, Tracking, Execution and managing Product Implementation teams for its integration and building interfaces with multiple source systems like Core banking, FX, Bonds and GL systems
Manage implementation deadlines
Providing post-implementation support and imparting training to the business / technical support team and end users.
Asset/Liability Model (CALM) is a Risk Management System. Its being used by Consumer Banking, Corporate & Investment Banking & Private Banking spread over Asia, Europe & Latin America. It is the global standard for liquidity and accrual risk management. This system measures the Interest Rate Risk & Liquidity Risk for the financial institution’s portfolio and also provides assumptions and scenario analysis.
Involved from offshore for this project, performed various roles from enhancements, UAT and production support team lead with the following responsibilities.
Understand and document business requirements by interacting with Client/ Business and onsite teams.
Analyze, design and develop the enhancements in various modules of the system
Support users in UAT and production with functional clarifications and also helping them out in technical issues faced during their business.
Onsite Coordinator & Customer Support (onsite)
Worked at the client site Singapore for close 2+ years to manage the support desk for all the CALM/Transfer Pricing related queries across the globe and carried out the coordination between the offshore and onsite team.
Played key role in CALM6 Migrations/Resolved the UAT issues across geographies within the short span of time and received the commendations from all the stakeholders.
Improved the application performance by identifying the bottlenecks in the Transfer Pricing system and reduced the memory utilization and CPU Utilization.
Developer (offshore)
Understand the business requirements and prepare the approach document.
Analyze, design and develop the enhancements proposed by the business.
Support them for all the issues faced by them in the production.
Collateral Management System, CSDL
Excise System
Environment : Visual Foxpro 5.0
Role - Development Team Member
This system is used to keep track of revenues related with CENVAT items. This system is linked with Marketing System and Materials System. 57f4 debits and credits will be maintained in the system. Statutory reports like RG23A, RG23C and PLA will be generated through the system. Funds status and fortnight reports are maintained online enabling for excise audit reports.
Central Warehouse System
Environment : Visual Foxpro 5.0
Role - Development Team Member
This system was developed to maintain stock at warehouse. Receipts of materials are captured into the system through MIN (Material Inward Note) preparation. Finished products are issued from warehouse through STN (Stock Transfer Note) preparation to BI-Mount Road warehouse. Warehouse stock is maintained online enabling MIS reports (Stock status at any given point of time). Monthly Warehouse Ledger is taken through the system.
Decision Support System
Environment : Visual Foxpro 5.0
Role - Development Team Member
This system is used by Brakes India Marketing department to provide MIS reports for Spare Parts sales. It decides the annual target for its customers and field service representatives probably based on the previous year(s) performance of order and sales through Forecasting done by Business Planning department. Monthly Performance/Achievement status is reviewed based on the reports generated by the system.
Saleable Listing System
Environment : Visual Foxpro 5.0
Role - Development Team Member
This system is used to forecast how much sales would be expected in the following four months. This system also monitors the performance of the Production units Vs Order received. This system generates the various reports of the indent status that are coming from Brakes India Zonal warehouses. Brakes India has certified that this software forecasting is very accurate with +/- 0.05 error.
Order Processing System
Environment : Visual Foxpro 5.0
Role - Development Team Member
This system is used to register the orders, which are coming from various customers and zonal warehouses. Acknowledge the received orders and amendments be created (if necessary). Automatic/ Manual allocation of the stock for the customers is also possible through the system. Release and invoice generation is done based on the allocation. The system generates the various reports to know the order/sales/pending order status.
Key accountabilities of the function:
Collateral Management System
Environment : Visual Foxpro 5.0
Role - Developer
This system is used for managing the securities provided by the client towards the initial margin for open positions in the stock market. The salient features of the system are provides for accepting, returning and managing securities such as Fixed Deposits, Bank Guarantees, Government Securities and Demat Securities etc as Collaterals. It also handles the physical movement of collateral documents within the organization. This system provides the reports to exchange the coverage of client’s initial margin obligation by collaterals.
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