Manish has in-depth expertise in the risk and regulatory area for banking and financial services clients. During his professional career, he has worked with five of the leading banks around the world and three of the leading credit card issuers. He has led large client projects in the areas of CCAR / DFAST submission, CECL, Credit Risk modeling and Risk Management strategy. He has helped credit card issuers evolve their CCAR/DFAST submission process by moving from segment-level models to advanced, loan-level models, automating model monitoring and forecasting process and preparing documentation for senior management, model governance group and regulators. In the last couple of years, he has been involved in creating an industry solution for banks to prepare for CECL.