About Shraddha Ghosh:
I am a data analyst professional from Kolkata, India. I am excited to apply for the Credit Risk Validation Manager position at Randstad, and I feel I am the right fit for this role. As someone with over 5.5 years of experience in Data Analytics, Financial Model Validation, and an academic background in Economics and Statistics, I would bring with me the analytical skills required to meet our goals and objectives. I love the challenge of working in highly strategic roles and I pride myself on working together as a team, meeting deadlines, and hence, I believe I can be a valuable member of this team.
During my current role at Bread Financial, I provided valuable data insights in high business critical statistical models. My primary role and responsibilities included validating the bank's regulatory models, each with a coverage of >$1Bn while supporting my team in the ideation & development of an independent model testing framework on both SAS and Python platforms. Overall, I was the key member in the validation of the new generation ML, AML, and Stress Testing models for the annual FDIC examinations that aid the bank in meeting all the federal supervisory requirements and maintaining strong model risk governance.
Having honed quantitative skills in my formative years studying Economics I am eager to study data on the present-day modeling methodologies and apply the relevant information in an easy-to-interpret format that is effective and value-centric. Owing to multiple engagements with the bank's first line of defense, I also enjoy giving presentations visualizing the analysis to help business leaders make informed and educated decisions.
Apart from this, I love playing my ukulele during weekends, binge watch tv shows, and playing with my dogs.
Experience
Bread Financial (Global FinTech Company) Bengaluru, India
Senior Model Validation Analyst Jun 2022 – Present
Model Validation Analyst – II Jun 2021 – Jun 2022
Model Validation Analyst Feb 2020 – Jun 2021
Key Accomplishments
- Recommended for two early promotions in consecutive promotion cycles and became the youngest Sr. Analyst
- Won the ‘Extra Mile Award 2022’ (awarded to top 1% associates globally) for exceptional performance
Model Validation Projects on ML, Risk Analytics, Prediction Analytics and Business Analytics
- Conducted regulatory model validation for banks to successfully submit FDIC exams
- Led high business risk regulation projects on CECL and Capital Loss Suite of Models
- Extensively analyzed ‘Loss Forecasting’ & ‘PPNR models’ to test the models for production by banks
- Validated ongoing and new generation stress testing models (Liquidity and Interest Rate Risk) models
- Orchestrated ‘Credit Line’ & ‘Machine Learning’ model validation projects independently for high risk models
- Conceptualized independent validation of new and existing financial models (statistical and non-statistical)
- Conducted comprehensive qualitative and quantitative assessment of model performance via data evaluation and statistical model testing
- Derived robust insights from a plethora of data sources, streamlined data requirements, modeled assumptions & results, and presented complex analytical concepts to the model owners
- Led Validation for Anti-Money Laundering (AML) Suite of Models to early closure for use by compliance teams
- Primary Validator for the ‘Suspicious Activity’ and Transactions Monitoring Tool involving extensive independent data testing, scenario analysis and tuning assessment covering over 120 rule thresholds
- Validation Reporting
- Managed all exit calls and presented validation results to C-suite management and relevant risk committees
- Presented independent set of codes for assessing performance of the model segmentation on Python platform –Specific to Random Forrest/Cat Boost/Feature selection
- Performed oversight of model monitoring and maintenance
- Ensured robust model performance principles via re-validations and regular scheduled monitoring checks including, statistical assessment of back-testing, analyzing and mining business data, governance of model KPIs and creation of data reports to support business in their decision making
Wipro Ltd. (International Management Consulting Firm) Bengaluru, India
Senior Executive Finance (Order to Cash CoE) Jun 2017 – Jan 2020
- Led revenue closure activities for multiple divisions across 20 projects and managed senior stakeholders
- Structured deals to maximize margins, optimizing cost and delivery framework and performed pricing for new organization proposals, change requests and renewal deals for BFSI
- Collaborated with finance, sales, pre-sales, delivery & legal to close contractual terms and clauses for clients
- Provided instrumental support to account delivery leads across verticals for budget optimization & costing and further drove enhancements in pricing and contract management tools through automation
Education
Symbiosis International University Bengaluru, India
MBA, Finance; GPA 4.0 Jul 2017-Jul 2019
Hans Raj College, Delhi University New Delhi, India
Bachelor of Arts, Economics; GPA 4.1 Jul 2014-May 2017
Certification: Credit Risk Modelling using Machine Learning (Indian Institute of Quantitative Finance), Credit Risk Modelling in Python and Python for Statistical Analysis (Udemy) and Credit Risk Modelling (DexLab Analytics)
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