Credit Risk & Structured Finance Professional | Expertise in Mortgage Valuation/Analysis, CECL Modeling, Model Tie-out/ Validation and Financial Reporting
Overview
13
13
years of professional experience
2
2
Certifications
Work History
Associate in Finance control (Mortgage Accounting)
TIAA
Pune, India
08.2023 - Current
Working as an Associate in Finance control (Mortgage Accounting) division of TIAA after transitioning from TIAA Bank.
Roles and responsibilities:
Perform monthly validation and reconciliation of TIAA’s Commercial Mortgage and Residential Mortgage portfolios, ensuring accurate accounting treatment and valuation of CRE assets.
Analyze credit risk exposure by monitoring portfolio risk trends, including geographic concentration, property types, Gain/Loss and loan-to-value (LTV) metrics across the commercial mortgage book.
Collaborate with servicers, asset managers, credit teams, third-party accountants, and loan originators to evaluate new loan quality and assess credit risk impact on overall portfolio performance.
Maintain and enhance SOX control documentation, ensuring compliance with internal policies and regulatory requirements tied to credit and investment risk.
Support regulatory reporting and data submissions related to CRE holdings and credit risk analytics, including stress testing inputs and scenario analyses.
Conduct tie-outs of securities and mortgage balances to ensure accurate risk representation across financial and credit risk reporting frameworks.
Associate in Finance control (Bank Controllership)
TIAA
Pune, India
10.2020 - Current
Working as an Associate in Finance control (Bank Controllership) division of TIAA Bank.
Roles and responsibilities:
Responsible for the analysis of Residential portfolio and Commercial Real Estate(CRE) portfolio of the Bank.
Led CECL/ALLL reserve modelling for Residential and HELOC loan portfolios, integrating both qualitative and quantitative risk factors.
Performed credit risk analysis related to loan forbearance, delinquency trends, and liquidity impact under the CARES Act and based on ALCO committee.
Conducted model validation and tie-outs for credit loss estimation models, ensuring accuracy and audit readiness.
Analyzed derivative and hedge positions, validating hedge effectiveness for mortgage exposures.
Established strong relationships with key stakeholders, facilitating effective communication across departments and teams.
Managed general ledger reconciliations and prepared key inputs for regulatory reporting.
Presented quarterly credit risk dashboards and KPI scorecards to senior leadership and risk committees.
Senior Analyst for GTB
Deutsche Bank CIB, Mumbai
Mumbai
05.2019 - 10.2020
Worked as Analytical Analyst for Fixed Income Securitized products in Global Transaction Banking division.
Roles and responsibilities:
Developed and automated bond payment models for securitized products including RMBS, ABS, and CMBS, improving process efficiency.
Monitored credit and operational risks in structured finance transactions across multiple geographies.
Supported trustee, tax agent, and custodian responsibilities, ensuring compliance with Pooling and Servicing Agreements (PSAs).
Led reconciliation and validation of cash flows, bond structures, and internal models using iMake and investor reports.
Operations Analysis Specialist for Fixed Income Securitized products
IHS Markit, Noida
Noida
03.2016 - 05.2019
Worked as Operations Analysis Specialist for Fixed Income Securitized products (Complex asset valuation) in Structured Finance division.
Roles and responsibilities:
Conducted independent price verification (IPV) for structured products including RMBS, CMBS, ABS, and CLOs across Europe and APAC.
Served as single point of contact for valuation queries from trading desks, buy-side clients, and dealers.
Validated bond pricing using Intex, SQL, and Excel, and by analyzing waterfall deal structure modeling to assess deal performance.
Supported contributed and evaluated pricing and client billing functions, ensuring data integrity and regulatory alignment.
Modified the existing methodology of Bond valuation and Sector curves.
Associate Analyst for the US Mortgage Banking Industry
XL Dynamics, Mumbai
Mumbai
12.2014 - 02.2016
Worked as Associate Analyst for the US Mortgage Banking Industry.
Roles and responsibilities:
Assessed credit risk of U.S. mortgage loans in line with KYC/AML norms.
Reviewed financials and agreements for compliance checks.
Creating closing disclosure/HUD statement as per regulatory standards.
Asst. Manager Operations
Axis Bank Ltd, Punjab
Punjab
10.2012 - 08.2014
Worked as Asst. Manager Operations in Axis Bank Ltd.
Roles and responsibilities:
Providing finance/operation services in the country's top commercial private Retail Banking segment.
Managed SME banking services e.g: Bank Guarantee, credit products, and compliance.
Oversaw KYC/AML norms and portfolio management for HNI clients.
Software Packages: MS Office Suite (Word, Excel, PowerPoint), SQL, Visio
Certification
Completed Executive Programme in Fintech, Banking & Applied Risk Management from IIM Lucknow in July 2023 which includes learning risk management, risk management/default prediction models, regulatory landscape, Fintech applications in Financial industry, Credit analysis i.e. reviewing Basel norms and applying various tests e.g. Altman’s Z Score, Credit scoring models etc and role of Block chain technology in Financial industry in future.
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.