Benson Varghese

305, Thakkar Apartment, Sector – 6, Plot no- 1B, Sanpada, Navi Mumbai - 400705
Contact: +91-9820396516; E-mail:benson.varghese31@gmail.com
Age – 26 years

Objective
To add value to the organization through diligence and hard work, by utilizing the knowledge and skills
gained in the field of Risk Management and Analytics

Work Experience
HDFC Bank–Credit Risk Oct 2014- till date

 Implemented Standardized Approach for Capital adequacy calculations and ensured compliance to
Basel framework designed by BCBS
 Contributed to bank’s migration to IRB approach, developed and deployed risk
component/estimation methodologies for Bank’s wholesale portfolios
 Deployed bank’s end to end capital computation engine to implement IRB and Standardized capital
calculation approach
 Developed models for estimation of Loss Given Default, CCF /Exposure at Default.
 Worked closely with the senior management in drafting the IRB Policy for the bank and involved in
presentation of quarterly result to top management
 Carried out statistical analyses for various submissions including quantitative impact studies (QIS)
for regulatory agencies and bank’s top management
 Undertook impact analysis on methodology changes driven by new rule proposals and implemented
necessary processes and system changes to incorporate those
 Undertook various projects in order to minimize capital requirement by optimizing data
management process and improve operational efficiency.
 Assessed creditworthiness and assigned internal ratings to bank's Corporate borrowers based on
bank’s Internal models which included industry and company research
Achievements
 Awarded Silver Star Award for outstanding performance

Kotak Securities - Private Client Group Feb 2013- Oct 2014

Key Responsibilities

 Product development
 Risk assessment
 Risk profiling
 Relationship management

Achievements
 Awarded Excelerate of the Month –July 2013 for best performance in the department.

Project and Internship

1. Project Title: Role of RBI in amalgamation and liquidation of Banks

Company: Reserve Bank of India, Department of Banking Operation and Development
Duration: 3 months
Objective: To analyse and understand the role of Reserve Bank of India in the process of
amalgamation and liquidation of banks and formulate recommedation to streamline the existing
process and devise a systematized procedure to be undertaken by RBI.

Academic Credentials

 MBA (Finance) from SIES College of Management Studies (Mumbai University)in 2013 with 67%

 Bachelors in Commerce (SIES College of Commerce and Economics) from Mumbai University in
2010 with 86%.

Additional Certifications
 Completed NISM – Derivative Module Series XIIIin 2014

 Completed NCFM – Capital Market Module in 2014

Scholastic Achievements

 Secured top 10 rank in SIES College of Commerce & Economics in 2010

 Secured 2nd Highest marks in Management Accounts