Prasenjit Baishya

Operations Associate

Guwahati, Assam, India9 yrs 5 mos experience

Highly Stable

Key Highlights

Over 9 years of experience in credit risk management.
Expertise in developing risk management strategies and frameworks.
Proven track record in model validation and regulatory compliance.

Stackforce AI infers this person is a Fintech expert specializing in credit risk management and regulatory compliance.

Contact

Skills

Other Skills

AccountingAnalysisAnalytical SkillsAuditingBalance Sheet PlanningBankingBusiness AnalysisBusiness StrategyCorporate FinanceCross-functional PartnershipsData AnalysisDue DiligenceEconomicsFinanceFinancial Accounting

About

Prasenjit is a Risk Management professional, working with EY India. He is predominantly working in the area of credit risk management. He focuses on financial services sector and has worked with banks and financial institutions across India and abroad. He brings in experience of developing and implementing Risk Management strategies, Frameworks, Policies and Models. He has over 9 years of professional experience towards implementation of solutions related to Credit Risk Calculation and Reporting, RWA Process Audit, RBS Framework, Model Validation, Financial Crime and Compliance across multiple Investment Banks. Prior to joining EY, he has worked with KPMG and Wells Fargo. Expertise: Credit Risk RWA Calculation, RWA Process Audit, Dashboard Design, FCCM, Model Validation.

Experience

9 yrs 5 mos

Total Experience

2 yrs 4 mos

Average Tenure

Current Experience

Ey

2 roles

Manager

Promoted

Aug 2022 – Jul 2025 · 2 yrs 11 mos

Senior Consultant

Aug 2021 – Jul 2022 · 11 mos

Wells fargo

Business Analytics Consultant

Feb 2020 – Jan 2021 · 11 mos · Bengaluru, Karnataka, India

Validation of Capacity Planning and ALM Models (Qualitative) Performing Initial Validations, Targeted Scope Validations, Annual Reviews

Kpmg india

2 roles

Consultant

Apr 2018 – Feb 2020 · 1 yr 10 mos · Mumbai, Maharashtra, India

Anti-Money Laundering, Fraud Monitoring and KYC Assessment
Project lead for Anti-Money Laundering, Fraud and Know Your Customer (KYC).
Transaction monitoring based on the IBA scenarios and internal scenarios of Bank.
Customer Profiling based on Regular and Algorithm based model and Transaction history.
Preparing various regulatory reports like CBWTR, STR, NTR, CTR, etc.

Associate Consultant

Aug 2016 – Mar 2018 · 1 yr 7 mos · Mumbai, Maharashtra, India

Credit Risk Measurement- Standardized, IRB Approach and Credit Risk Stress Testing
Validation of the asset classification, ratings assignment and mitigant allocations as per guidelines for risk calculation.
RWA calculation for regulatory reporting under Basel III guidelines for banking portfolio.
Calculation and reporting of Capital Adequacy ratio (CAR) for banking portfolio.
Calculation of risk parameters PD, LGD, EAD to arrive at the regulatory Capital under Standardized, IRB approach as per Basel III guidelines.
Ensure the data correctness and completeness for data consumed into risk calculations and report preparation. — Performing Credit Risk Stress Testing based on the various shocks prescribed by RBI.
Tools used: OFSAA CRM/Hyperion Planning
Material Risk Assessment (ICAAP) and Risk Appetite
Built Risk Assessment Rating Model to monitor the Material Risks of the bank-based on Risk Based Supervision Framework (Credit Risk, Market Risk, Liquidity Risk, Operational Risk and Other Pillar 2 Risks)
Worked on the calculation and sourcing of the data used for the ratios in the Risk Appetite Framework.
Tools used: SQL, Hyperion Planning
Budgeting and Forecasting
Product wise budgeting based on guiding ratios like ROE/ RORWA.
Forecasting of Profit and Loss Statement and Balance Sheet Statement (Yearly/Monthly)
RWA, Capital Forecasting based on Budgeted Balance Sheet.
Preparation of Actual v/s Budget Variance Analysis Report, Group/Solo Capital Shortfall/Requirement Reports. Tools used: Hyperion Planning/OFSAA-BSP

S-ancial

Investment Banking Analyst

Apr 2015 – Jul 2016 · 1 yr 3 mos · Bengaluru Area, India

Handling fund raising, handling credit process and project finance.
Analyzing structured debt products and corporate finance project.
Financial Modelling of the companies, Debt syndication.
Conducting research on various sectors of Industries.
Creating Modules for the product of the company called “CREP”, based on research and analysis.
Competitive analysis of other Fin Tech start-ups, their operating and revenue models.
Formulated ideas for designing interface and layout of online business to business lending (B2B) portal to connect borrowers and lenders seeking various types of debt funding.