Senior Consultat with Big 4 Domain : Risk Management Module: Operation Risk ,Credit Risk, Economic Capital Modeling( OREC ) Product: OFSAA (Oracle Financial Services Analytical Application) Expertise: Product Consulting,Implementation,Solution Configuration Technical Skill: PL-SQL ,Complex SQL queries,C++, XML Scripting: Unix Analytics: R Scripts(Basic),Base SaS

1. UTSAV SARKAR
Mobile:+91-9004028508
Email: utsav.wrk@gmail.com
Senior Consultant in Risk Domain
Objective : Seeking a challenging role in Product Consulting ,Implementation & Analytics
CAREER ABRIDGEMENT
 OFSAA Senior Consultant in Big4
 Experience in Local Regulatory Reporting for MAS, HKMA
 Oracle certified expert .
 Fair Knowledge in Base SaS
AREAS OF EXPOSURE/EXPERTISE
Domain : Risk Management
Module: Operation Risk ,Credit Risk, Economic Capital Modeling( OREC )
Product: OFSAA (Oracle Financial Services Analytical Application)
Expertise: Product Consulting,Implementation,Solution Configuration
Technical Skill: PL-SQL ,Complex SQL queries,C++, XML
Scripting: Unix
Analytics: R Scripts(Basic),Base SaS
ORGANISATIONAL DETAILS
Since Apr ’2015 KPMG Advisory India, Mumbai. Current Role: Senior Consultant
Key Projects Handled
Title : OFSAA Risk Implementation Client : State Bank of India
Duration : November 2015 to till date Team size : 6
Purpose:
We are working on OFSAA Operational Risk which is unique and large scale implementation project in itself.
Currently Bank is following Excel based registers and lots of manual segmented processes. We are responsible to
migrate the existing system, process reconciliation streamlining the complex loss reporting .We are automating the
assessment process flow for Risk, Control along with consulting on Best practices for monitoring Key Indicators.
We advise our client on OFSOR functionalities as this for the first time they will be using this product. We are on
daily basis interacting with ORMD heads to understand the process, get the as-is process and get it documented.
Key Projects Handled
Title : OFSAA Risk Implementation Onsite Client : BanK Mandiri,Jakarta
Duration : April 2015 to Nov 2015 Team size :10
Purpose:
An Onsite project of OFSAA implementation in one of renowned public entity Bank Mandiri(Indonesia)
We are the part of Risk consulting team helping our client to implement and configure the latest OFSAA Solution
for Operation Risk and Credit Risk.
For Operation risk it covers entire OR Risk-framework, Incident, RCSA, Obligation, Regulation Policies, Key
Indicators and OR Economical capital modeling
For Credit Risk it includes end-end configuration of Basel III solution like modification of Product ,Asset class
mapping, Designing Data flow form different sources, creating new Basel regulatory rules and task to accomplish
the client requirement.

2. Responsibilties: Functional Senior Consultant
 Maintaining end-to- end accountability and expectations for customer satisfaction and overall
delivery excellence
 Prioritize deliveries in conjunction with implementation team
 Adopt a proactive, logical and organized approach to problem resolution
 Ability to clearly articulate both problems and proposed solutions
 Willingness to learn and quick to adapt to changing requirements
 Understanding the RFP( Request for Proposals) and analyze the requirements for the clients.
 Documentation of Identified GAPS in the Product.
 Arrange a regular meeting with ORMD to understand the current reporting, monitoring process for modules l
 Based on our regular discussion we prepare a detail Functional Specification document which covers the detail
 description of the solution,as-is process , to-be process and the new workflow to be implemented in the
solution.
 Conducting Client walkthrough sessions to give an Idea and available functionalities with the product along
with our customization plans.
Credit Risk Implementation
Responsibility :Technical Senior Consultant
 Interacting with Stake holder, understanding the CR new requirements
 Preparing Technical specification detail documents.
 Prepare detailed plan for implementation of CR latest Standardized approach solution .
 Familiar to CRM techniques like Collaterization, Netting, Haircuts etc.
 Analyze RWA, CAR output values and resolve the data variances.
 Basic Understanding of Market Instruments like Bonds, Swaps, CDS, Guarantee etc.
 Understanding IRB approach PD, LGD, EAD, Maturity.
 Basic Understanding of PD models for various Portfolios.
 Analyze Bank’s Exposure at Default , Capital charge for Counterparty Risk Losses calculation and
Implementing the logic in system.
 Understand Bank’s Collateral ,Gurantee type and Eligibilty condition as per Banks requirement.
 Writing Complex transformation sql query for Type III rules
 Understanding Bank’s current Products, Master data classification Product mapping ,Collateral type,
Customer Type using Type II Classification rules
 Analyzing Asset class reclassification and Risk weight assignment
 Understanding Bank’s Rating logic and refresh Rating related data
 Analyzing the Data flow ,staging and loading of Non-Securitized, Securitized data
 Preparing ETL specification and Transformation logic for Staging Area.
 Creating Unified Metadata management by creating new Data set Hierarchy, Mapper, Business Processor
as per the requirement.
 Configuring Product rules Type 1 , Type II ,Type III into the system, new Batches and task.
 Resolving and guiding team on design related challenges and debugging the issues.
 Preparing Deployment, Migration Plan to move the changes from Dev,Uat to Production.
 Designing and managing Unified metadata management by creating Dataset,Hierarchy,Business
Processors,Rules as per requirement.
Operational Risk Implementation
Responsibility :Technical Senior Consultant
 As a Solution Expert I design the Technical Specification document to cover all technical changes
 required to implemented as required.
 Hands on experience on Form-Manager, a solution from Oracle to customize the product to add new field,
modify the backend logic, modify the view based access for different role in the system.
 Maintaining OR related Dimension data like for Business Line,Location,Event,Risk Categories etc..
 As per Client requirement ,Designing ETL Specification document as we are automating various reporting
sources to OFSOR solution which includes Source- Bank Format to OFSOR solution logical mapping .
 Work with technical teams to develop all ETL processes for loading data from different
 sources into the application and vice versa.
 Designed the new complex Assessment & Consolidation logic for Risk,Control based on VaR,Impact
Range,Frequency. Calculating thereby Residue risk,Inherent risk,Heath Index for client.
 Designed entire new set of placeholders to capture existing list of Incident Loss being reported like NME,Loss

3.  Events,ATM Compensation, Boundary events ,IPC,System downtime,FMR1& FMR 4 related events.
 Preparing a holistic Solution approach for Key Indicator monitoring for the Bank as with automatic collection.
 Consulting Client on Best practices regarding their reporting, monitoring process at various Bank, Department,
Units level.
 Designing Inter Module Linkages as per Client Assessment, Workshop approach.
 Edit Workflow as per client requirement using Workflow Manager for Incident, RCSA, Key Indicator modules
 Design and Implement RAG Indicative colors based on threshold limits.
 Data points, mapping cleansing the data to map to corresponding formulas. Generating Bank wide,Unit level
RAG level aggregated reports.
 Designing and Implementing Complex Client Business Line structure at each Circle, Department, Network,
Modules, Regional office with their reporting Admin Offices.
 Design Bulk Upload template for Historical Data ,Loss data like FMR 1 fraud events,Write Offs,Income leakage,
Key Indicator records maintained by ORMD.
 Maintenance of Admin feature like Financial Impact details, Thresholds, Access rights.
 User Role Mapping based on their Location and Business Line hierarchy.
 OFSAA 8.0 platform Unified metadata management by creating Dataset,Hierarchy,Business
Processors,Rules.
 Creation of new Routing rules, Decision Rules in workflow, addition of Task ,Notification using sql logic.
 Formatting Input User Client data for Product processing and Designing Bulk Upload template for users
 Strong Understanding & Proficient in T2T transformation, Data transformation using PLSQL code.
 Configure SMTP server for auto generated mails from product to required recipients.
 Hands on Experience on coding PLSQL,SQL and implementing them into the solution as on need.
 Hands on Experience on Forms based XML, edit/modify the forms to customize the Product.
 Resolving and guiding team on design related challenges and debugging the issues.
 Preparing Deployment, Migration Plan to move the changes from Dev,Uat to Production.
Statistical Modeling
 Understanding, Analyzing the current Bank’s AMA Models of Operational risk.
 Understanding , Analyzing current Bank’s IRB model for PD , LGD as per regulatory standard.
 Understand and Consult the best practices and approaches for estimation of PD models like Pooling,
Structural, Statiscal etc.
 Understand and Consult the best practices and approaches for estimation of LGD models like Implied,
Market, Statiscal etc.
 Identify the Product GAP and identify methodologies to Implement existing Model in EC Model.
 Preparing the Data points and Dataset required for Modelling.
 Using EC Model to select Simulation methodology like ‘Monte Carlo’,
Distribution like Normal,Poison,Binomial ,Best Point estimation, GOF Test using K-S etc.
 Using various regression methodologies like Linear, Logistic regression to understand co relations.
 Debugging the issue in case is failed due to incorrect methodology/ in sufficient selection.
 Designing Raw data transformation as per Modelling need using PLSQL and Batches in OFSAA.
 Understanding of Base SaS , In built SaS Analytical methods used for modelling. PROC functionalities to
generate Report
 SaS methodology to read numerous Data formats, creating Dataset formatting tabular reports for analysis.
 Knowledge of writing SAS/MACRO, procedures ,SAS/ODS for customized report , writing queries with SAS/SQL and advance
analytic procedure using SAS/STAT, SAS/GRAPH
Since June’2013 JP Morgan Chase, Mumbai. Current Role: Application Developer
Key Projects Handled
Title : APAC Regulatory Reporting Client : JPMC Legal Controllers
Duration : June 2013 to April 2015 Team size :10
Purpose :
Our Project handles Finance Risk and Regulatory reporting for Asian locations of Singapore , Hongkong
We use FRS Regpro product to generate report on daily,monthly,quarterly basis.We support and resolve
Functiional and Technical queries regarding Regulatory reports.We help in to implement new Business rules in
our Consolidation and Report level template changes.
We have implemented BaselII framework and we use OFSAA product in indentifying Risk,Expected losses
Calculation of RWA Credit/market/Operational risk and Risk mitigations implying Exposure ,Currency ,Collateral

4. Haircuts.We are also responsible for all regulatory changes and enhancements in our application including Data
load, Data sourcing ,Consolidation data delivery .
Responsibility:Techno–Functional
 Interact with Controllers and other stake holders.
 Scoping and drafting Business requirements including the change requests.
 Converting the high level functional requirements.
 Look if the feature is new and If not ,what all areas and sections is impacted and need to be enhanced.
 With the understanding of Application Code , identify the impacted Oracle objects like Procedures,
Triggers,Package, Views etc.
 Working in SDLC flow to deliver requirements
 Writing Technical Specification documents to provide more insight of Enhancements.
 Preparing Test scenarios, Test data and Functional testing of changes.
 Preparing Trend Analysis ,Data Statistics for Client presenations.
 Data Analysis of Feed source data like Loan,Fixed Income,Securities and Derivative.
 Data sourcing experience by analyzing feed data changes from Fixed income, Loan, FXO etc..
with end -end solution from ETL loading ,Staging to Consolidation area.
 Data sourcing also includes preparing FSD of impacted interfaces including Business rules changes.
 Analyzing Regulatory report to be submitted to controllers and resolving users's issues
 Code changes ,updates of Consolidation logic in PLSQL as per requirements , maintenance of DMD.
 Hands on PLSQL development Procedure,Package,Triggers,Views,Links & Complex sql queries.
 In-Depth understanding of Data flow right from ETL loading, Staging ,Transformation , Business validations.
 Closely work with Controllers to understand Regulatory circular changes.
 Hands on experience on Risk-Regulatory product RegPro(from WKFS) and OFSA(Revelus)
 Understanding Product upgrade release note and preparing Impact analysis document and regulatory
changes incorporated in the upgrade.
 Implementing the Patch/Product upgrade..
 Functional regression of Existing Regulatory reports and Validating the changes covered.
 Resolving issues related to Basel Credit risk,Operational risk related issues .
 Calculation of RWA using Basel2 approaches, Risk mitigation , Haircuts,Exposure Facilities .
 Familiar to Banking Instruments like Fixed Income,Derivative,Securities,
 Resolving issues related to Reports like Balance sheet,P& L,Capital Fund , Asset maintenance ratio reports.
Since Mar’2010 TCS Mumbai. Current Role: System Engineer
Title: Adobe Retail Client: Adobe Inc.
Duration: March 2012 To June 2013 Team size: 8
Purpose:
Adobe Retail was unique Retail project where in we used to manage the reporting Dashboard and retail in
real time
across geographies.
Our project used niche SAP technology like SAP BW to load data transformation and SAP Hana Database for
all In Memory computing and Tableau for Dashboard reporting.
Responsibilities: Team Member
 Interact with Client to understand the requirement, new change request consult on issues.
 Responsible for Technical analysis, implement the logic in store procedures.
 Process Client's data related request.
 Using SAP Hana query language to analyze the Cube,Dimensions, In line Views.
 Analyze the data quality, apply data fixes in SAP Hana.
 Creating/Modifying Stored Procedures ,Inline Functions, creating Cubes,Dimensions in SAP Hana
 Monitor the data load and report in case in failures, analyze the failure correct the issues.
 Collaborate with QA team, participate in functional testing of product and report issues in JIRA.
 Creating, monitoring reports in Tableau Dashboard.

5. Key Projects Handled
Title: Enterprise Risk Portal Client: TCS Auditors
Duration: 7 months, From May 2010 To March 2012 Team size: 8
Purpose:
Enterprise Risk Portal was Internal developed product which used to track the Enterprise risk across
geography,operating unit and across clients.This portal was main repository central for all on going delivery
based project, RAG health of operating unit, metric dashboard for auditing purpose.It has modules like
Project Management reporting for every ongoing project which helped auditors for every necessary details.A
Dashboard for easy view of RAG health ,high open risk across client, easy view of open audit issues.A
Process improvement module which tracks all the Six-sigma project initiated across the organization and
their estimated savings
Role & Responsibilities: Team member
 Follow up and implementation of Change Request (CR) .
 Understand and handle technical issues for implementing any CR.
 Interacting with our auditor to understand their requirement and consult them to resolve issues.
 Worked extensively in developing the logic for RAG criterior based on Project management reporting.
 Development of RAG Dashboard view across operating unit, clients.
 Managing Customer based survey, analysis and metric uploads based on surveys.
 Designing Data ETL loading system for our application using PLSQL programming.
 Creating views, database objects, worked on performance tuning of application.
 Hands on experience in wrting complex sql queries for user requirements.
 Worked on Process improvement module with Six-Sigma users to understand their requirement
and was a part of development team which designes a complete holistic design to help the
organization to track the saving due to DMAIC and DMAVD projects.
 Consulting our Six-Sigma holders in their issues and implementing their request.
 Preparing database report and publishing them in our portals.
CERTIFICATION & APPRECIATIONS
 I have been accolade with KPMG 'Rising Star Award 2016' for my contribution
 Been awarded with KPMG ' Best Team Award 2016' for successful implemention in Jakarta.
 Pursuing Training on Base SaS, SaS EG and Analytics
 Oracle Certified SQL Expert (OCE IZO-047) - Oracle 11g
 Oracle Certified Database Administrator 1 (OCA IZO-152) - Oracle 11g
SCHOLASTICS
2009 B.TECH from Birbhum Institute of Technology and secured 8.5 YGPA
2005 CBSE XII from DAV Hehel, Ranchi and secured 78 %.
2003 CBSE X from DAV Canary Hill, Hazaribagh and secured 86%.
PERSONAL VITAE
Date of Birth: 31July 1987
Current Address: Marol, Andheri.
Declaration
I hereby declare that the information and facts furnished here are true to the best of my knowledge and belief
Utsav Sarkar