1. CIBY THOMAS
MobileNumber:+971529913628
E-Mail:ciby.thomas@hotmail.com, cibythomas57@gmail.com
JOB OBJECTIVE
Seeking assignments in Risk management/Risk analysis & Loan underwriting with an organization of high
repute in Banking & Financial Services Industry.
PROFILE SUMMARY
 International Post Graduate Diploma (IPGD) in Risk management (1 year full time course) from
Institute of Insurance and Risk Management, Hyderabad (2013-14).
 B.A (Hons) Economics from S.D. College, Chandigarh in 2011 with 73.2%
 Successfully completed CT 1-Financial Mathematics & CT 7-Business Economics exams from Institute of
Actuaries of India.
 FRM level 1 Candidate & Member of GARP (Global Association of Risk Professionals).
 Member Of CII (Chartered Insurance Institute-London).
 Good knowledge of credit underwriting of loan proposals.
 Sound knowledge of various subjects such as VAR (Value at Risk), CRAR (Capital Adequacy Ratio), Basel
Norms, Credit Risk, Market Risk & Operational Risk etc.
 Strong analytical skills
 Excellent proficiency in using Ms excel, PowerPoint & word.
 Good understanding of yield curves, Zero Coupon bonds, Forwards & Futures, Interest rate & currency
SWAPS.
 Good knowledge of VAR models, stress testing & calculation of duration & convexity.
 Abilities in handling multiple priorities & work under pressure.
 An effective communicator with good presentation & leadership skills.
 Sound Knowledge of Accounting.
WORK EXPERIENCE
Risk Analyst
Vistaar Finance Private Limited
March 2014 to September 2015
Job Responsibilities:
 Carrying out risk analysis based on various parameters such as Income, Loan to value (LTV), vintage of
loan, Years in Business (YIB) etc.
 Carrying out credit checks and ensuring the approval of loans in adherence to the loan policies.
 Assisting in underwriting of loan proposals. Identifying and analysing the risks in various loan proposals.

2.  Presenting ideas via reports and presentations, outlining findings and making recommendations for
improvements.
 Preparing various excel reports on NPA, PAR (Portfolio at Risk).
 Forecasting & monitoring delinquency and portfolio trends.
 Carrying out quantitative analysis based on the month end data dumps, financial statements.
 Good knowledge of banking software used for loan & credit management.
 Credit rating of customers using credit rating models like Z-score model.
 Preparation of various month end reports & supporting the MIS personnel’s in preparing of various daily
reports.
 Identifying and analysing the potential risks which threaten a company’s assets.
ACADEMIC PROJECTS/ INTERNSHIP
Organization: Federal Bank, Alleppey, Kerala
Project Title: Credit Rating, Credit Risk Vetting
Period: Nov’13 to Dec’13
Description: Successfully completed a project study on Credit Rating & Credit Risk Vetting
under Risk management department of Federal Bank.
EDUCATION
 International Post Graduate Diploma (IPGD) in (Risk Management) from Institute of Insurance and Risk
Management, Hyderabad in (2014).
 B.A. (Hons) Economics from S.D. College, Chandigarh in 2011 with 67%
 12th from S.T. Mary’s Academy, Saharanpur, India, CBSE Board in 2008 with 78.4%
 10th from S.T. Mary’s Academy, Saharanpur, India, CBSE Board in 2006 with 82.8%
CERTIFICATION
 Successfully completed CT 1-Financial Mathematics & CT 7-Business Economics exams from Institute of
Actuaries of India.
IT SKILLS
Applications: Proficiency in Excel & Advanced Excel, PowerPoint & MS word
EXTRAMURAL ENGAGEMENTS
 Was involved in organizing of various school functions such as annual function & sports meet.
 Served as House Captain for Green House in School.
PERSONAL DETAILS
Father’s Name: Late Mr. Thomas Samuel
Date of Birth / Age: 15th November 1989 / 26 years.
Present Address: Apartment No-314, Damac Lakeside Tower B, International Media Production
Zone (IMPZ), Dubai, Mob no: +971529913628

3. .
Permanent Address: Ezhakadavil House, Opposite Petrol Pump, Chelimada, Kumily, Idukki-District,
Pin Code-685509, Kerala, India
Languages Known: English, Hindi & Malayalam
Location Preference: Anywhere in UAE / Europe / UK.
Extra-Curricular Activities: Football.