Manish Pahuja

Results-driven AVP with 20+ years of experience in BFSI data analytics, regulatory reporting, and risk management. Proven ability to build and automate large-scale SAS-based reporting frameworks that deliver measurable efficiency gains. Track record of leading cross-functional teams, managing complex stakeholder relationships across UK, Europe, and India, and driving fact-based decisions for senior leadership.

Associate Vice President – Data & Analytics - NatWest Digital Services India Pvt Ltd - Gurugram

(2018-02 - 2025-09)

• Led Significant Risk Transfer (SRT) trade reporting, directly supporting the bank's RWA capital savings requirements and maintaining compliance with internal risk frameworks.
• Spearheaded migration of SAS-based processes from Unix to AWS cloud platform; mapped critical data points, authored and validated SQL queries against AWS tables, and confirmed data integrity against BAU extracts.
• Served as a key subject-matter expert in Risk and Records Management forums, contributing to governance and data quality initiatives across the Data & Analytics function.
• Delivered SAS technical support to Finance teams across the organisation, resolving process issues and ensuring EUDA (End User Developed Application) documentation compliance.
• Managed performance reviews, career development plans, and associate engagement for direct reports, sustaining high team satisfaction scores.

Business Analyst – Level 4 - Barclays Shared Services Pvt. Ltd - India / On-site: Portugal

(2012-09 - 2018-02)

• Owned end-to-end regulatory reporting for Portugal, Spain, Italy, Greece, Germany, and USA portfolios, ensuring timely and accurate submissions to the Prudential Regulatory Authority (PRA), UK.
• Co-designed and implemented a three-member SAS process to extract, reconcile, and present quarterly Risk KPI and delinquency data for PRA submission post the 2008 recession — signed off by the respective Chief Risk Officers. Recognised with a Quarterly Award at Barclays PLC group level.
• Successfully transitioned an entire reporting suite from EXL Inductis to Barclays Shared Services, including an on-site engagement in Portugal (5 weeks), ensuring zero disruption to BAU reporting.
• Automated multiple regulatory and management reports, generating savings of 500 FTE hours annually.
• Onboarded and mentored new team members as the founding analyst on the team, accelerating ramp-up time and establishing best practices.

Manager – Finance Analytics - BA Continuum India (Bank of America) - India

(2011-03 - 2012-08)

• Managed a team of junior and senior analysts supporting data mining requirements for US Cards and Home Loans Finance Managers, consistently meeting and exceeding SLAs.
• Led a cross-LOB automation initiative for Home Loans reporting, delivering annual savings of 2,800 FTE hours — a 100% reduction in manual effort across reviewed reports.
• Conducted monthly portfolio reviews of US credit card data, surfacing actionable trends driven by strategy changes or operational factors for senior stakeholders.
• Founded and chaired a SAS User Community forum across the CSBB India team, improving tool adoption and knowledge sharing.

Manager – US Credit Card Risk Analytics - TCS e-Serve Limited - India

(2008-07 - 2011-02)

• Analysed risk profiles of US consumer credit card holders, partnering with the US Acquisitions team to implement customer acquisition strategies with precision.
• Managed critical credit processes including CREW (Credit Early Warning) and bureau data exchange between client and credit bureaus, ensuring data accuracy and timely execution.
• Automated multiple MIS reports used by US counterparts, reducing manual workload and improving reporting turnaround.

Consultant – Analytics - Genpact India - India

(2007-03 - 2008-07)

• Developed financial models and analytical frameworks across Finance, Asset Management, Operations, and Collections domains to support strategic business decisions.
• Automated routine reports using SAS; the team was recognised with the SAS Innovation Award from SAS Institute Inc., NC, USA.

Senior Insurance Associate – Quality Compliance - EXL Service.com (I) Pvt. Ltd - Noida

(2004-10 - 2007-02)

• Automated life insurance premium calculations using MS Excel, cutting processing time by 90%.
• Maintained MIS reporting and quality compliance for operations, and served as Subject Matter Expert and Process Trainer to enhance team productivity.

Management Trainee - Bajaj Capital - New Delhi

(2004-01 - 2004-09)

• Advised individual clients on mutual funds, life insurance, tax-saving instruments, and detailed tax planning.

Trainee - M/S Khanduja Associates, Chartered Accountants - Allahabad

(2000-07 - 2002-06)

• Conducted audits of government-owned banks and a deemed university; assisted with tax planning for individual and small business clients.

Post Graduate Diploma in Business Administration - Finance & Marketing - Jaipuria Institute of Management, Lucknow (2004)

Bachelor of Commerce - Allahabad University, Allahabad (2002)