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Sonia Malhotra

@soniamalhotra

Director of Institutional Lending at Bank of New York who generated $11 million in revenue and developed a digital-asset lending proof of concept.

United States

Message

At Bank of New York, I partner with senior Banking, Risk and Functional stakeholders to execute business priorities and support senior management decisions. I generated $11 million in revenue by structuring credit solutions, including $1.5BN intraday loans, and developed a proof of concept for lending against digital assets.

Previously, at Deutsche Bank - MI-GSO | PCUBED, I led transformation and operational change initiatives, and closed 100% of audit findings through root-cause analysis and network segmentation solutions. Across my credit risk work, I’ve assessed financial institutions, strengthened governance, and presented risk recommendations to senior leaders and regulators.

Experience

Work history, roles, and key accomplishments

Current

Director, Institutional Lending

Current

Bank of New York

Jan 2022 - Present (4 years 9 months)

Partner with senior stakeholders to execute business priorities and support decision-making. Generated $11 million in revenue by structuring credit solutions, including $1.5BN intraday loans and debtor-in-possession financing.

Institutional Lending Credit Risk Financial Analysis Risk Governance AI Powered Automation Stakeholder Management Executive Reporting Regulatory Compliance Reg W ISDA Digital Assets

Senior Management Consultant and Team Lead

Deutsche Bank - MI-GSO | PCUBED

Jan 2019 - Dec 2022 (3 years 11 months)

Led cross-functional business transformation and operational change initiatives in a global banking environment. Closed 100% of audit findings through root-cause analysis and implementation of network segmentation solutions.

Business Transformation Operational Change Agile Delivery Jira Network Segmentation Audit Remediation Stakeholder Management Process Improvement

Caregiver for a Family Member

Personal Leave of Absence

Jan 2017 - Dec 2018 (1 year 11 months)

Took a personal leave of absence to provide care for a family member.

Associate Director, Counterparty Credit Risk

Depository Trust & Clearing Corporation

Jan 2015 - Dec 2017 (2 years 11 months)

Led a credit risk team covering 100+ global financial institutions, identifying early-warning signals and problem credits. Reviewed new clearinghouse member applications and presented high-risk cases to regulators and senior stakeholders.

Counterparty Risk Management Risk Management Financial Analysis Team Leadership Regulatory Reporting Process Improvement Audit Remediation

Manager, Fixed Income Research

Standard & Poor's – CRISIL

Jan 2013 - Dec 2014 (1 year 11 months)

Built risk-rating matrix models, financial models, and portfolio reviews to improve early identification of potential downgrades. Delivered portfolio analysis and risk recommendations for global financial institutions.

Fixed Income Research Risk Rating Financial Modeling Portfolio Analysis Mentorship

Senior Analyst, Financial Institution and Corporate Debt Products

Bank of America

Jan 2009 - Dec 2013 (4 years 11 months)

Performed independent credit and portfolio analysis across global financial institutions, supporting senior decisions on counterparty exposure and risk ratings. Developed a capital stress-testing framework to assess economic scenarios and Basel capital ratios.

Credit Analysis Portfolio Analysis Risk Scoring Performance Testing Basel Capital Financial Modeling

Analyst, Strategy, Research & Innovation

Deloitte Touche Tohmatsu

Jan 2008 - Dec 2009 (1 year 11 months)

Conducted strategic research and analysis on banking-sector, asset-quality and structural trends to support client and leadership decisions. Developed an Issue-Impact Report on the split-up of a mega bank.

Strategic Research Financial Analysis Banking Sector Analysis Report Writing