Deepmala Bharti

Associate Consultant

Bangalore, Karnataka, India16 yrs 7 mos experience

AI ML PractitionerHighly Stable

Key Highlights

Over 15 years in Banking Risk Analytics.
Expert in Basel II and III modeling.
Proven leadership in regulatory model development.

Stackforce AI infers this person is a Fintech expert specializing in Banking Risk Analytics and Regulatory Compliance.

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Skills

Core Skills

ModelingData ScienceModel ValidationBanking

Other Skills

Team ManagementStatistical ComputingBasel IIISAS (Software)Stakeholder ManagementAnalytical SkillsExecutive ManagementPython (Programming Language)Wholesale BankingInsight GenerationPredictive AnalyticsStatistical ModelingData Analysislogistic regressionLinear Regression

About

More then 15 years of experience in Banking Risk Analytics and Management Consulting. Experience in regulatory (Basel II, III / IFRS9 Modeling) and non-regulatory modeling development across retail and wholesale portfolios.Have added to my diversity by working in UK, US and SA providing Risk Management solutions to various clients and onshore business partnersSpecialties Credit Risk- Basel 2, 3 Model Development (AIRB), IFRS9,Marketing analytics,Collection analytics, Market Risk- Basel 2 Model Development (Standardized),Operational Risk- Basel 2 Model Development (Standardized)SAS, R Studio, Python

Experience

16 yrs 7 mos

Total Experience

2 yrs 11 mos

Average Tenure

1 yr 10 mos

Current Experience

Commonwealth bank

Model Risk Validation

Jul 2024 – Present · 1 yr 10 mos

Hsbc

Regulatory Model Development, Retail and Wholesale

Jun 2019 – Jul 2024 · 5 yrs 1 mo · Greater Bengaluru Area

Team ManagementStatistical ComputingBankingModelingBasel IIIData Science+6

Deloitte

2 roles

Senior Solution Advisor, Model risk management

Sep 2017 – Apr 2019 · 1 yr 7 mos · Gurugram, Haryana, India

Statistical ComputingModelingData ScienceStakeholder ManagementTeam ManagementSAS (Software)+3

Lead Solution Advisor, Model risk management

Apr 2016 – Aug 2017 · 1 yr 4 mos · Gurugram, Haryana, India

Statistical ComputingModelingData ScienceStakeholder ManagementTeam ManagementSAS (Software)+2

Barclays

Regulatory Model development, Credit Risk

Jan 2013 – Mar 2016 · 3 yrs 2 mos · Noida, Uttar Pradesh, India

Capital & Impairment Modelling: Advanced Basel 2 IRB Point-in-time/Through-the-cycle Probability of Default, Exposure at default & Loss Given Default Modelling for both secured and Unsecured retail products

Statistical ComputingBankingModelingData ScienceStakeholder ManagementSAS (Software)+1

Exl service

2 roles

Team Lead, Regulatory Risk

Promoted

Apr 2011 – Jan 2013 · 1 yr 9 mos

Basel 2 Advanced IRB Modeling: Worked on Probability of Default (PD), Loss Given Default(LGD) Modeling: Recovery triangles based default weighted LGD computation by forecasting recoveries, computed the downturn LGD, Exposure at Default (EAD) Modeling
Platform Used- SAS, CART, Linear Regression, Logistic Regression
Developed Multinomial Logistic Model for Fortune 500 Utility client to capture the renewal behaviour of its contracts 120 days prior to their contract renewal date.
Platform Used: SAS, CART, Multinomial Logistic Regression

Statistical ComputingModelingData ScienceStakeholder ManagementSAS (Software)Analytical Skills+1

Senior Programmer Analyst

May 2010 – Apr 2011 · 11 mos

Worked with UK’s largest Debt Collection Agency to plan out the whole process of collection of outstanding debt on final accounts of Utility Business Client. Also, Implemented the entire process of Debt collection in Access.
Platform Used- SQL, VBA, Excel.

Statistical ComputingModelingData ScienceStakeholder ManagementSAS (Software)Analytical Skills

Arx analytics & advisory pvt. ltd, gurgaon

Analyst, Regulatory Risk

Jun 2009 – May 2010 · 11 mos

Using Standardized approach based on Basel’s committee on Banking Supervision (BCBS), Implemented the Bank’s Capital adequacy ratio framework
Computation of Total Risk(Credit Risk, Market Risk & Operational Risk)weighted assets of Banks.
Computation of Bank’s Core and Supplementary Capital (Tier1 and Tier2 capital)
Implemented the model for Estimation of loan delinquency migration and probability of default, by modeling loan delinquency as Markov chain model
Platforms Used- General Algebraic Modelling System (GAMS), Bloomberg Terminal, Excel

Statistical ComputingModelingData ScienceAnalytical Skills