# Risk Manager résumé example

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

![Risk Manager résumé example — senior, written for India, set in the Newton design](https://cvaurum.com/img/examples/risk-manager.webp)

- Field: Finance
- Career stage: Senior
- Written for: India
- Design: Newton (https://cvaurum.com/templates/newton)
- Open it: https://cvaurum.com/examples/risk-manager

Every name, employer, address, phone number and figure below is invented.

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

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