Author, What School Doesn't Teach You

Banker | Traveler | Photographer | Blogger | Podcaster | Author


November 2018 - Present

Senior Manager - Retail & PvB Stress Testing


Leadership & Stakeholder Management: Leading a team of 2 analysts for production and analysis of annual stress testing exercises. Building strong working relationships with Retail and Private Banking CxO’s (Accountable Executives) based on trust and high-quality work.

Enterprise-wide Stress Testing: Responsible for the stress testing data sourcing and preparations, methodological calculations using existing infrastructure and technology, analysis of results and other related regulatory requirements.

IFRS9 Stress Testing Implementation: Responsible for rolling out the IFRS9 Stress testing framework for various markets while working with Enterprise Modelling & IT teams. Responsible for ensuring data integrity and assurance for ECL calculations used for Stress testing Analysis & Reporting.

Process Simplification & Automation: Process simplification in data aggregation, data reporting and reduction of manual effort in production of Stress Testing results.

May 2016 - November 2018

Assistant Vice President, Consumer Risk Policy & Analytics, Group Risk Manaagement


• Leadership & Stakeholder Management: Leading a team of 3 analysts for production of monthly and quarterly reports for retail-secured, retail-unsecured and Emerging business portfolios. These reports form the basics of the analytical function and capability of the team.

• Portfolio Management: Performing portfolio analytics and developing credit proposals at a segment level for various unsecured products using decision trees and risk-revenue analysis. Worked with collections team for developing proposals for high risk customers.

• IFRS9 Implementation: Responsible for rolling out the IFRS9 accounting standards for various markets while working with Group Finance, Modelling & IT teams. Responsible for ensuring data integrity and assurance for ECL calculations used for Analysis & Reporting.

• Credit Decision Management System Analysis & Testing: Responsible for credit decision engine testing for accuracy and integrity. We directly with IT and eventually impacting the application decisioning for secured and unsecured products. Representing the Credit risk function for various product launches and policy launches in retail unsecured portfolios

Standard Chartered Bank

(1) Sr. Portfolio Risk Analyst – Group Portfolio Monitoring & Forecasting – Retail Banking

April 2014 - May 2016

• Performance Management: Monitoring & Forecasting Loan impairment and Cost Management for CXO’s at global and country level.

• Portfolio Analytics: Provide portfolio level insights to senior management for taking well informed risk related decisions

• Operational Risk Framework: Leading the implementation of operational risk framework for External & Internal Reporting across all footprint markets.

• Process Simplification & Automation: Process simplification in monitoring portfolio characteristics, Cost Management, Loan Impairment monitoring and various automation activities to improve efficiency, reduce errors and improve turnaround.

• Loss & Cost forecasting: Developed a loss and cost forecasting model for all markets and products for all retail banking portfolios and also productionised it at an offshore center.

(2) Manager – Group Credit Risk MI & Analytics – Retail Banking

May 2013 - March 2014

Reporting & MI: Performing regular internal reporting for the Global risk function. Involved in portfolio monitoring reports for credit and operation behaviours for CXO’s at global level.

Portfolio Monitoring: Actively support the senior management to monitor credit and operational behaviour for retail banking portfolios

• Offshoring: Actively involved in management of our offshore team performing the MI production activities.

• Process Simplification: Actively initiated the process simplification and automation for MI production activities.

(3) Assistant Manager – Credit Risk (EXL Inductis Singapore)

February 2010 - April 2013

Worked for Standard Chartered Bank on various Group Portfolio Risk Initiatives on Retail and SME portfolios

July 2007 - February 2010

Clinical Statistical Analyst


Clinical Regulatory Reporting: Development of statistical reports based on clinical trial data for various therapeutic areas. These reports pertain to safety and efficacy of drugs

Standardization: Actively involved in process standardization, automation and development of multiple use modules for the team to improvise the outputs and efficiency of report development

Mentoring & Training: Actively mentored and trained new associates on process and technical knowhow of the regulatory reporting.

August 2006 - March 2007



Malaviya National Institute of Technology, Jaipur

I was appointed as President to the Blitzschlag – an annual techno cultural festival hosted by Malaviya National Institute of Technology by the esteemed faculty and loving students.

My prime responsibility is to drive the leading, planning, organizing and co-ordination between stakeholders for the event.

About Me

I was born and raised in the cradle of the cultural diversity of India. Being educated and having interacted with people from diverse cultures, My attitude towards life has been learning oriented mixed with a flavour of courage and self-development.

I have always been an avid reader and a keen observer. This ignited in me the spark to express his thoughts via the writing medium. Around 18 months ago, he started this blog. The blog contains his experiences and inferences from what he has been seeing around him. I have always believed that blogging gives people the freedom to write and express what they want to.

While I was happy to write this blog on a weekly basis, an interesting incident changed the trajectory of my life and inspired me to author his debut book ‘What School Doesn’t Teach You’ based on my empirical learnings and experiences.

I am an Engineer by education, Banker by profession and a writer by passion



2003 - 2007

Malaviya National Institute of Technology, Jaipur

B. Tech, Mechanical Engineering
Activities and Societies: Mechanical Engineering Society

2001 - 2003

Fergusson College

Junior College, Science


K.V. Andrews Ganj

Grade 10



  • 2019 – ‘Examining Models and Estimation Risks in Credit Risk Stress Tests’; 3rd Annual Advanced Credit
    Risk Modelling and Validation;
    Global Financial Markets Intelligence: Marcus Evans Company
  • 2019 – Round Table Discussions: ‘Stress Testing for Retail Credit Portfolios’; 3rd Annual Advanced Credit
    Risk Modelling and Validation;
    Global Financial Markets Intelligence: Marcus Evans Company
  • 2020 – ‘Stress Testing: Understanding the principles and Practical steps of Building a framework’; Risk Training: ‘Stress Testing: Liquidity Risk’; Risk.NET Infopro Digital Risk Limited
  • 2020 – ‘Emerging Trends in Stress Testing’; Risk Training: ‘Emerging Trends in Stress Testing’; Risk.NET Infopro Digital Risk Limited
  • 2020 – ‘Retail Stress Testing: Integrated View’; Risk Minds Americas – 2020 Annual Conference
  • 2021 – ‘Stress Testing: Best Practices’; 5th Credit Risk Management Asia Summit 2021 – Annual Conference


  • IFRS9 – IRB Credit Risk Stress Testing for Retail and PvB Portfolios
  • IFRS9 – An bank wide implementation of new accounting standards
  • Debt Consolidation – New Product Launch
  • Global Loan Loss Forecasting for Retail Banking: Development, Standardisation & Centralisation
  • Operational Risk Framework for Credit Bureau Reporting: Design, Implementation & Monitoring
  • Queuing theory in Railway ticketing Queues
  • Productivity improvement by introduction of synchro trolleys & Redistribution of work using Time study in Maruti Suzuki Limited


  • Won Outstanding Project in 3rd Regulation Asia Awards for Excellence 2020 for ‘Scenario Based Analytical Platform’ used for Stress testing and scenario analysis


  • 2006 – Tata Motors- Pune: Design & Manufacture of Tata ACE 275 IDI Gear Assembly.
  • 2005- Force Motors Pvt. Ltd – Pune: Productionisation of Front Rigid axle for new model of Trax Showcased in Auto Expo 2006.
  • 2005- Maruti Suzuki India Ltd. – Gurgaon: Productivity improvement by introduction of synchro trolley & redistribution of work using Time Study to reduce post assembly defects in the passenger cars.


  • English
  • French
  • Hindi
  • Marathi
  • Tamil


  • Edward De Bono Six Thinking Hats
  • Effective Negotiation Skills
  • Machine Learning
  • Own the room


  • Leaders Excellence Harvard Square




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