Seinjuti Mishra

Model Risk Validator with 7+ years of experience in credit risk and model validation, currently leveraging AI-driven automation at EXL Service to accelerate validation processes. Specialized in monitoring and validating Scorecard, PD, and LGD models within IFRS9 and IRB regulatory frameworks. Proficient in quantitative data analysis, LLM-based automation, and prompt engineering, with a proven track record of reducing validation timelines by 50%+ while ensuring model accuracy, compliance, and robust risk management practices.

Senior Consultant at EXL Service (2026-05 – Present)

• Designed and implemented an AI-driven model validation framework leveraging Claude LLMs integrated with internal tools to streamline validation process.
• Automated critical workflows including documentation review, code review, methodology verification, performance checks, data quality assessments, and validation report writing.
• Decreased validation cycle time from 6-8 weeks to 3-4 weeks (50%+ improvement), enabling concurrent validation of more models and improved team productivity.
• Engineered effective prompts and validation frameworks leveraging LLM capabilities to ensure accuracy and consistency across diverse model validation scenarios.

Model Risk Validator at NatWest Group (2023-06 – 2026-04)

• Executed independent validation of scorecard, PD, and LGD models, ensuring strict adherence to IRB and IFRS9 frameworks.
• Authored timely review and re-validation reports, verifying models perform adequately across defined KPIs.
• Acted as second line of defence by challenging monitoring teams regarding model deviations and issues.

Data Analyst - Ulster Bank Analytics at NatWest Group (2022-07 – 2023-06)

• Managed multi-source data flows within DataMart team, ensuring high quality and timeliness of data feeding into critical risk models.
• Led automation initiatives to simplify processes, reducing overall run times by 30% for data operations.

Associate Analyst at Dun & Bradstreet (2019-06 – 2022-07)

• Served in client-facing role delivering risk analytics, credit scoring, and data-driven insights to enterprise clients.
• Analysed complex datasets using SAS, SQL, and Python, utilizing quantitative and statistical modelling to meet reporting requirements.

M.A. in Economics – Madras School of Economics (2017 – 2019)

B.Sc. in Economics – Asutosh College, University of Calcutta (2014 – 2017)