Karishma Bagaria

Karishma Bagaria is a Senior Manager at EXL, specializing in Model Development for CCAR, CECL, IFRS9, and Climate Risk Modelling since September 2022. Prior to this role, Karishma served as an Associate at Deutsche Bank, focusing on Wealth Management Modelling and Analytics from June 2021 to August 2022. Experience also includes working at PwC as a Senior Associate and Associate from July 2019 to June 2021, and as a Credit Risk Analyst at HSBC Retail Banking and Wealth Management from June 2017 to June 2019, where the focus was on Retail Credit Risk Modelling for North America in accordance with Basel-II norms. Karishma holds an M.Sc in Economics with a specialization in Econometrics and Quantitative Economics from the Madras School of Economics and a Bachelor of Applied Science in Economics from Ravenshaw University. Educational background also includes schooling at St. Joseph's High School, completing the ICSE curriculum.