Aman Siska

•Developed and currently managing credit frameworks and policies for lending in Southeast Asia, enabling the provision of Growth Capital during the early and expansion stages of corporates. •Drove the implementation of the Risk Management Framework, including core elements such as the Risk Management Policy, Risk Appetite Statement, Key Risk Indicators (KRIs), and monthly Risk Reviews •Designed and optimized multiple automated decisioning models and scorecards, integrating data from sources such as banking transactions, accounting platforms, e-commerce platforms, CRMs, , payment processors, and credit bureaus. •Designed, documented, and implemented controls to strengthen and enhance the organizational control environment •Monitored Key Risk Indicators (KRIs) and created action plans to address deviations, ensuring proactive risk mitigation and enhanced portfolio performance. •Led portfolio optimization efforts, leveraging advanced data analytics to enhance credit decisioning processes, improve risk assessment, and reduce delinquency rates •Established early warning systems to identify emerging risks, enabling timely interventions to safeguard assets and reputation. •Developed and validated regulatory and risk models (e.g., PD, LGD, EAD) to support ECL calculations and facilitated stress test exercises, including regulatory and internal assessments, to evaluate portfolio resilience under adverse scenarios. •Performed quantitative analysis and modeling, leveraging advanced tools to design, validate, and optimize credit risk models. •Monitored and ensured compliance with Anti-Money Laundering (AML), Know Your Customer (KYC), and data privacy regulations. Developed and enforced compliance policies and procedures aligned with regulatory reporting frameworks, ensuring organizational adherence to laws and ensuring timely submissions to governing bodies •Fostered the professional growth of team members through coaching, training, and constructive performance feedback

◆ Established Credit Program Infrastructure from scratch till launch by crafting customer journey, drafting policies, designing workflows for risk underwriting ◆ Created multiple Proprietary Automated Credit decisioning models with 99% accuracy (Bureau validated and Gini & KS acceptance) for different customer segments ◆ Spearheaded Tech vendor integrations for Credit Bureaus, Digital KYC/ CIP & Credit Assessment globally to ensure end-to-end delivery and quality output ◆ Initiated UAT testing of Credit Models at Workflow, Cluster, Variable derivation, Individual rule and data parsing level ◆ Crafted customer segmentation rule engine and generated Omni channel communication w.r.t. mode, frequency & content ◆ Devised and implemented processes and workflows on both Pro-active & Post delinquency management to ensure healthy portfolio quality ◆ Developed operational risk management framework and implemented internal control to achieve strong risk management culture ◆ Scrutinized data to understand trends on consumer behavior, repayment, spend analytics, predictive power of variables, probability of default & triggers to incorporate changes in the risk management process ◆ Developed data lake to create base for ML risk models and in-house risk intelligence while collaborating with 10 members tech team ◆ Managed & tracked different performance metrics w.r.t. Quality of Rules, TAT, Manual Decision, Vendor Efficiency, Maker-Checker Review & Hypothesis considered for risk ◆ Planned and implemented Portfolio Trend Monitoring mechanism w.r.t outstanding, sanctions, collections, average spends and written offs ◆ Managed first level reviews of MNDA, Standard Agreement, SLA's, T&C & Legal Policies ☞ Models: Credit Bureau, Income, Future Earnings, Specific Credit Product Based, Alternate Data

◆ Formulated credit risk policies and parameters while creating excel based scorecard models for digital lending platform ◆ Directed the entire lending process for Bangalore with a team by leveraging judgement and credit skills, and provided timely and accurate recommendations on credit exposure ◆ Advised changes in policies and underwriting to management to curtail the probability of default while evaluating Covid-19 impact on existing portfolio ◆ Obtained and interpreted financial statements to ascertain credit limit for new customers ◆ Coordinated with sales, management and other departments to sustain effective operations

◆ Managed portfolio of 2.5 K accounts comprising of corporate and consumer loans for due diligence, underwriting and approvals ◆ Acted as an approving authority up to INR 3 Mn while managing & mentoring a team of 10 credit managers ◆ Sustained a healthy portfolio with delinquency rate <1 % ◆ Facilitated training programs on technical aspects of credit underwriting for the team ◆ Evaluated creditworthiness of customers by performing financial and banking evaluation using various analytical tools and ratios, etc. ◆ Visited Office & factories of customers to identify business revenue model and analyze credit risk of customers ◆ Efficiently collaborated with the innovation team to implement new lending platforms, initiating UAT testing and providing feedback on the improvements needed ◆ Designed and streamlined systems in line with business requirement by coordinating with multiple departments