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Risk Manager résumé example

Risk Manager résumé example — senior, written for India, set in the Newton design
Risk Manager résumé example, in the Newton design

Credit risk across an NBFC and a bank, told in scorecard lift, default rates and the provisioning model auditors accepted.

Written for India, at senior, in the finance field, shown in the Newton design. Every name, employer, address and number below is invented.

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Neha Bhandari — Senior Manager, Credit Risk | CA, FRM

Mumbai, Maharashtra

Credit risk leader with eleven years across housing finance, banking and audit, owning policy, scorecards and provisioning for an ₹8,600 crore book. Cut 12-month default on new business from 3.1% to 1.7% by rebuilding the scorecard.

Experience

Senior Manager, Credit Risk, Aranyaka Housing Finance Limited · August 2022 – present

Credit risk for an ₹8,600 crore affordable housing book, with a team of nine.

  • Owns credit policy, underwriting standards and the quarterly provisioning review for the full affordable housing portfolio.
  • Rebuilt the application scorecard on 240,000 historical accounts, lifting the Gini from 0.38 to 0.56 and taking 12-month default on new business from 3.1% to 1.7%.
  • Moved early-warning monitoring from a monthly report to a daily rules engine, giving collections a 21-day head start on accounts that later rolled past 90 days.
  • Wrote the Ind AS 109 expected credit loss model documentation that the statutory auditors accepted with no model-risk observation.
  • Grew the risk team from four to nine, including two analysts who now own the scorecard and the loss model outright.

Manager, Credit Risk, Anvesha Credit Bank Limited · April 2019 – July 2022

  • Held gross non-performing assets at 2.4% on a ₹3,200 crore MSME portfolio through the 2020 moratorium, against a sector average near 6%.
  • Designed the restructuring framework applied to 1,900 accounts under the Reserve Bank of India resolution window, recovering 83% of restructured principal within two years.
  • Cut the average credit decision from nine days to four by routing 62% of applications through a rules-based auto-decision path.

Credit Analyst, Rasika Finance Limited · September 2015 – March 2019

  • Appraised 340 secured business loan proposals worth ₹610 crore, with two-year delinquency of 1.1% against a portfolio average of 2.8%.
  • Closed a single sourcing channel after a sample audit found forged bank statements in 19 of 40 files pulled.
  • Wrote the branch credit manual still used across 22 locations.

Articled Assistant, Bhide Karnik & Co., Chartered Accountants · August 2012 – July 2015

  • Completed statutory and concurrent audits across 26 branches of two co-operative banks during the articleship.
  • Prepared loan review memoranda identifying ₹4.2 crore of advances misclassified as standard assets.

Education

  • CA Chartered Accountancy · The Institute of Chartered Accountants of India · August 2012 – November 2015
  • B.Com Commerce · Narsee Monjee College of Commerce and Economics, University of Mumbai · June 2009 – April 2012

Skills

  • Credit risk: Underwriting policy, Scorecard development, Portfolio monitoring, Early warning signals, Collections strategy, Restructuring frameworks
  • Modelling and regulation: Ind AS 109 expected credit loss, RBI prudential norms, Basel III, Stress testing, Model validation
  • Analytics: SQL, Python, SAS, Logistic regression, Power BI, Excel

Certifications

  • Financial Risk Manager (FRM) — Global Association of Risk Professionals
  • Certified Credit Professional — Indian Institute of Banking and Finance

Why this Risk Manager résumé works

  • The scorecard bullet gives both the model metric and the business outcome: Gini lifted “from 0.38 to 0.56” on 240,000 accounts and 12-month default on new business from 3.1% to 1.7%.
  • Results are set against a benchmark: gross NPA held at 2.4% through the 2020 moratorium, “against a sector average near 6%”, which lets a credit committee judge the work without extra context.
  • The Ind AS 109 expected credit loss documentation accepted “with no model-risk observation” shows the regulatory side of the job that a senior credit risk role is measured on.
  • The articleship at Bhide Karnik & Co. stays, with ₹4.2 crore of misclassified advances found, and CA and FRM sit in the headline, explaining the audit instinct in the later roles.

Risk Manager résumé: common questions

Should a CA's resume for a risk role include the articleship?

Yes, briefly. Two bullets on audits and findings show where the audit instinct comes from, and Indian employers expect to see the articleship. Keep it at the end of the work history once there are senior roles above it.

What should a credit risk manager resume include?

Book size, portfolio outcomes (default rates, gross NPA, recoveries), model metrics such as Gini, and the rules you worked under, such as RBI prudential norms and Ind AS 109. Certifications like FRM belong near the top.

How long should a senior risk manager resume be?

Two pages for eleven or more years. Give the current role up to five bullets and older roles two or three; a publication or a CA rank can stay as single lines.

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