Santosh Pradhan santosh.pradhan@ge.com & | 15 years of experience in credit risk management, portfolio management, risk and control assessment, credit risk strategy development, credit policy monitoring, analytics and consulting, credit risk model development. Currently leading the Group risk management team for secured portfolio and responsible for providing key inputs in the credit review forum (CRF) for group RBWM CRO, to monitor group portfolio health, identify hotspots, emerging risk, thematic risk, policy tightening measures, macroeconomic analysis, Housing market analysis, forbearance analysis, Portfolio exposure limit/Portfolio Development Limit, caps and trigger breach, portfolio classification, risk tier monitoring etc. In past led the group unsecured risk management team to deliver key inputs in unsecured CRF, for products like card, LOC, OD, staff loan, Personal loan. Monitor and analyze origination and portfolio risk metrics as per FIM, for all products and markets for the group and advise the senior management and stakeholders of existing and emerging risk. Monitor the performance of risk tools (scorecards, segmentations, etc) and risk strategies and cut-offs. Led North America Card and LOC portfolio and strategy governance, worked on origination/account management strategies, collection strategy, profitability analysis, provisioning, IFRS9 scenario analysis, loss forecasting, high risk account management, remedial strategy, risk lifecycle management, model governance/monitoring/validation/audit etc. Worked in various geographies like India, USA, Canada on different project assignments. Expertise in approval/decline/line assignment/pricing strategy development, profitability/sensitivity analysis, risk drivers (RWA, LOSS) forecasting, economic stress forecasting, CLI/ACLI/CLD strategy development, authorization, re-pricing, reissuing, delinquency/over limit strategy, strategy monitoring/audit/validation/remediation plan, advanced analytics, segmentation etc. Hands on exposure in estimating expected loss by developing internal risk-based models like probability of default, Loss given default, Exposure at Default models. Products handled: Housing Loan, Credit Card,auto loan, Personal Loan Skilled in team/stakeholder/business partner/vendor/internal auditor/extended team/model reviewer management, training team members, leading governance initiative, review of deliverables and implementation of methodologies for enforcement of project standards.

Santosh Pradhan

15 years of experience in credit risk management, portfolio management, risk and control assessment, credit risk strategy development,...

India

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Santosh Pradhan’s Location India

Santosh Pradhan’s Expertise 15 years of experience in credit risk management, portfolio management, risk and control assessment, credit risk strategy development, credit policy monitoring, analytics and consulting, credit risk model development. Currently leading the Group risk management team for secured portfolio and responsible for providing key inputs in the credit review forum (CRF) for group RBWM CRO, to monitor group portfolio health, identify hotspots, emerging risk, thematic risk, policy tightening measures, macroeconomic analysis, Housing market analysis, forbearance analysis, Portfolio exposure limit/Portfolio Development Limit, caps and trigger breach, portfolio classification, risk tier monitoring etc. In past led the group unsecured risk management team to deliver key inputs in unsecured CRF, for products like card, LOC, OD, staff loan, Personal loan. Monitor and analyze origination and portfolio risk metrics as per FIM, for all products and markets for the group and advise the senior management and stakeholders of existing and emerging risk. Monitor the performance of risk tools (scorecards, segmentations, etc) and risk strategies and cut-offs. Led North America Card and LOC portfolio and strategy governance, worked on origination/account management strategies, collection strategy, profitability analysis, provisioning, IFRS9 scenario analysis, loss forecasting, high risk account management, remedial strategy, risk lifecycle management, model governance/monitoring/validation/audit etc. Worked in various geographies like India, USA, Canada on different project assignments. Expertise in approval/decline/line assignment/pricing strategy development, profitability/sensitivity analysis, risk drivers (RWA, LOSS) forecasting, economic stress forecasting, CLI/ACLI/CLD strategy development, authorization, re-pricing, reissuing, delinquency/over limit strategy, strategy monitoring/audit/validation/remediation plan, advanced analytics, segmentation etc. Hands on exposure in estimating expected loss by developing internal risk-based models like probability of default, Loss given default, Exposure at Default models. Products handled: Housing Loan, Credit Card,auto loan, Personal Loan Skilled in team/stakeholder/business partner/vendor/internal auditor/extended team/model reviewer management, training team members, leading governance initiative, review of deliverables and implementation of methodologies for enforcement of project standards.

Santosh Pradhan’s Current Industry Hsbc

Santosh Pradhan’s Prior Industry
Videocon Industries | Genpact | Hsbc Retail Banking And Wealth Management | Hsbc

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Work Experience

Hsbc

Senior Asst Vice President

Wed May 01 2019 00:00:00 GMT+0000 (Coordinated Universal Time) — Present

Hsbc Retail Banking And Wealth Management

Senior Manager/Lead Manager

Thu Jun 01 2017 00:00:00 GMT+0000 (Coordinated Universal Time) — Wed May 01 2019 00:00:00 GMT+0000 (Coordinated Universal Time)

Genpact

Credit Risk Analytics Manager

Fri Apr 01 2016 00:00:00 GMT+0000 (Coordinated Universal Time) — Mon May 01 2017 00:00:00 GMT+0000 (Coordinated Universal Time)

Genpact

Sales Finance/Risk Analytics Asst Manager

Tue Sep 01 2009 00:00:00 GMT+0000 (Coordinated Universal Time) — Tue Mar 01 2016 00:00:00 GMT+0000 (Coordinated Universal Time)

Genpact

Business Analyst

Sun Apr 01 2007 00:00:00 GMT+0000 (Coordinated Universal Time) — Sat Aug 01 2009 00:00:00 GMT+0000 (Coordinated Universal Time)

Videocon Industries

Management Trainee

Wed Feb 01 2006 00:00:00 GMT+0000 (Coordinated Universal Time) — Thu Mar 01 2007 00:00:00 GMT+0000 (Coordinated Universal Time)

Skills

Languages

FAQ About Santosh Pradhan

Santosh Pradhan is located at
India

Santosh Pradhan is a
15 years of experience in credit risk management, portfolio management, risk and control assessment, credit risk strategy development, credit policy monitoring, analytics and consulting, credit risk model development. Currently leading the Group risk management team for secured portfolio and responsible for providing key inputs in the credit review forum (CRF) for group RBWM CRO, to monitor group portfolio health, identify hotspots, emerging risk, thematic risk, policy tightening measures, macroeconomic analysis, Housing market analysis, forbearance analysis, Portfolio exposure limit/Portfolio Development Limit, caps and trigger breach, portfolio classification, risk tier monitoring etc. In past led the group unsecured risk management team to deliver key inputs in unsecured CRF, for products like card, LOC, OD, staff loan, Personal loan. Monitor and analyze origination and portfolio risk metrics as per FIM, for all products and markets for the group and advise the senior management and stakeholders of existing and emerging risk. Monitor the performance of risk tools (scorecards, segmentations, etc) and risk strategies and cut-offs. Led North America Card and LOC portfolio and strategy governance, worked on origination/account management strategies, collection strategy, profitability analysis, provisioning, IFRS9 scenario analysis, loss forecasting, high risk account management, remedial strategy, risk lifecycle management, model governance/monitoring/validation/audit etc. Worked in various geographies like India, USA, Canada on different project assignments. Expertise in approval/decline/line assignment/pricing strategy development, profitability/sensitivity analysis, risk drivers (RWA, LOSS) forecasting, economic stress forecasting, CLI/ACLI/CLD strategy development, authorization, re-pricing, reissuing, delinquency/over limit strategy, strategy monitoring/audit/validation/remediation plan, advanced analytics, segmentation etc. Hands on exposure in estimating expected loss by developing internal risk-based models like probability of default, Loss given default, Exposure at Default models. Products handled: Housing Loan, Credit Card,auto loan, Personal Loan Skilled in team/stakeholder/business partner/vendor/internal auditor/extended team/model reviewer management, training team members, leading governance initiative, review of deliverables and implementation of methodologies for enforcement of project standards. Hsbc

Santosh Pradhan currently works in the
Hsbc

Santosh Pradhan specializes in
15 years of experience in credit risk management, portfolio management, risk and control assessment, credit risk strategy development, credit policy monitoring, analytics and consulting, credit risk model development. Currently leading the Group risk management team for secured portfolio and responsible for providing key inputs in the credit review forum (CRF) for group RBWM CRO, to monitor group portfolio health, identify hotspots, emerging risk, thematic risk, policy tightening measures, macroeconomic analysis, Housing market analysis, forbearance analysis, Portfolio exposure limit/Portfolio Development Limit, caps and trigger breach, portfolio classification, risk tier monitoring etc. In past led the group unsecured risk management team to deliver key inputs in unsecured CRF, for products like card, LOC, OD, staff loan, Personal loan. Monitor and analyze origination and portfolio risk metrics as per FIM, for all products and markets for the group and advise the senior management and stakeholders of existing and emerging risk. Monitor the performance of risk tools (scorecards, segmentations, etc) and risk strategies and cut-offs. Led North America Card and LOC portfolio and strategy governance, worked on origination/account management strategies, collection strategy, profitability analysis, provisioning, IFRS9 scenario analysis, loss forecasting, high risk account management, remedial strategy, risk lifecycle management, model governance/monitoring/validation/audit etc. Worked in various geographies like India, USA, Canada on different project assignments. Expertise in approval/decline/line assignment/pricing strategy development, profitability/sensitivity analysis, risk drivers (RWA, LOSS) forecasting, economic stress forecasting, CLI/ACLI/CLD strategy development, authorization, re-pricing, reissuing, delinquency/over limit strategy, strategy monitoring/audit/validation/remediation plan, advanced analytics, segmentation etc. Hands on exposure in estimating expected loss by developing internal risk-based models like probability of default, Loss given default, Exposure at Default models. Products handled: Housing Loan, Credit Card,auto loan, Personal Loan Skilled in team/stakeholder/business partner/vendor/internal auditor/extended team/model reviewer management, training team members, leading governance initiative, review of deliverables and implementation of methodologies for enforcement of project standards.

Santosh Pradhan speaks the following languages:
No languages available.

Santosh Pradhan has prior experience in the following industries:
Hsbc Retail Banking And Wealth Management , Genpact , Genpact , Genpact , Videocon Industries

Santosh Pradhan has the following professional experience:
Hsbc , Hsbc Retail Banking And Wealth Management , Genpact , Genpact , Genpact , Videocon Industries .