Chief Risk Officer
at U GRO Capital

As Chief Risk Officer, I lead the Risk function and also drive the Product-Policy innovation and Analytics for the company.
As a founding team member & COO (in earlier role) , I had set up the Technology, Operations, Analytics, Product & Marketing functions. At U GRO Capital we are leading the way to provide cutting edge, customized credit solutions to SME’s through data driven approach & smart processes. My passion is to find new, powerful ways to understand needs of the customer and then translate those insights into product-programmes which are scalable and can make sustainable & profitable portfolio.
I have worked extensively in SME & Consumer lending space across organizations like Religare Finvest, Barclays Bank & ABN AMRO Bank. I have also done stints in GSK consumer & Tata Motors in the initial part of my career.
Specialization : Product & Strategy, P&L management, Change management, Sales & Distribution Set up, Business Analytics, Statistical & templated approach to Underwriting & Portfolio management

Chief Risk Officer
at Unity Small Finance Bank

Corporate Banking professional with 20 plus years of work experience in Client Coverage & Origination and Risk both as an individual contributor as well as part of the strategic / management team.

Chief Credit Officer
at Tyger Capital

A well-rounded retail banking professional with overall 25 years’ across Mortgages (7 Years), SME lending (5 Years), Wholesale Lending (6 Years) & Unsecured Loans (Micro-lending) (5 Year) across North, East, West and South Markets. In senior leadership positions since last 25 years. Having strong life-science background equipped to build the frameworks, which are essential to manage business growth, know and mitigate risk of the business.
Currently Working as Chief Credit Officer - for Fincare Small Finance Bank based at Bengaluru. Part of founding leadership team reporting to CEO. Entrusted with setting up and growing the secured lending book and responsible for credit underwriting; improving product competitiveness, managing portfolio quality; deliver on approvals, opex, collection goals and to build a positive P&L for the secured business.
Have previously worked as Director Risk Management Secured and Unsecured Loans with IFMR Capital (Microfinance, LAP, SME, Affordable Housing, Vehicle Finance); Sr. Vice President- Incubation secured and unsecured business with IntelleCash, VP Institutional Finance with BASIX and across various roles with IDE-India.
Full-time MBA from Xavier’s Institute of Social Sciences, Ranchi (1998 Batch) in specialized in Finance and Project Management. Worked and lived in Mumbai, Bangalore, Kolkata, Hyderabad, Chennai, Ranchi and Patna.

Chief Risk Officer at IDBI Capital 

A certified Enterprise Risk and Project Management professional with over 16 years of comprehensive experience. Proven expertise in Enterprise Risk Management (ERM) complemented by hands-on proficiency in Project Management, Product Development, Business Analysis and ISMS Lead Auditing.Extensive background spans across diverse domains, including Information Technology (IT), e-Governance,Insurance, Stock Broking and Investment Banking.
Currently heading Enterprise Risk Management Dept of IDBI Capital.- Mumbai HO

Chief Credit Officer at Tata Capital

⦿Dynamic and results-oriented Senior Vice President with extensive experience in Credit Risk Management, adept at overseeing a substantial portfolio valued at 22,000 Crore Rupees spanning across 6 verticals.
⦿A result oriented senior risk management professional with a proven track record of driving and delivering various changes and projects in seamless manner Experienced in system implementation, migration, and utilization of Risk Lifecycle Management Systems (RLOS), Corporate Loan Origination Systems (LOS), and scorecard
⦿Strengths include managing diverse risk elements across various markets, business , customer, product segment at strategic and transaction level . Setting appropriate risk appetitae framework at strategic level and ensuring overall business are conducted within set of risk metrics.
⦿Expertise in assessing credit risk for mid corporate clients and SMEs, utilizing advanced analytical methods and industry-specific metrics. Proficient in digital credit risk assessment, leveraging technology and data-driven models to enhance accuracy and efficiency.
⦿Proficient in managing Digital Credit Risk, Supply Chain Credit Risk, and SME & Midcorp credit portfolios.
⦿In-depth understanding of regulatory frameworks governing credit risk management, ensuring strict compliance with legal and industry standards. Proficient in implementing measures to maintain compliance and mitigate legal risks effectively.

Chief Risk Officer
at HDFC Credila Financeial Services PVT . LTD.

CA and CFA with good overview of regulatory compliance and risk management (including operational risk) in the banking and NBFC space.

Specialties: Excellent written communication skills, good legal and documentation understanding, possess good working knowledge of the Company Laws as well as Banking Laws and possess process engineering skills.

Head Receivables Management Risk
at Bank of Baroda

30 years of experience in the field of marketing & Sales and Risk management. Work experience - have worked in organization like TATA finance, ICICI Bank, HDFC Bank, IDFC first bank and currently in Bank of Baroda heading the Receivables risk management functions Mob-99870 59103

Head - Risk Containment Unit (Secured)
at The Muthoot Group

Finance Professional with experience in Fraud Risk & Operational Risk Management from Commercial Banking and NBFC background.

Specialties: Experience in Fraud Risk containment & Operational Risk Management.

EVP & National Collections Head-TW,Auto Loans & Sustainable Livelihood Initiative (SLI)
at HDFC

Specialties: Negotiation skills,People Management,Vendor Management,Customer Grievance and Complaint Management

Head of Risk Analytics (RCU)
at L&T Finance

I am having a decade of people manager experience in fintech , banking and finance and providing solutions which are backed by data analytics and technology Led and developed high performance team included Data scientist and engineering to leverage cutting edge technology which help to grow organisation to achieve their goal and would like to contribute to growing countries, do let known if you can across any profile where I can contribute and add value to the organisations.

As the Head of Risk Analytics at L&T Finance, my leadership steers advanced data analytics and machine learning to combat fraud, enhancing the integrity of financial operations. Collaborating across departments, our team implements cutting-edge fraud detection strategies and predictive modeling, contributing to the company's robust fraud prevention framework.

At Axis Bank, my tenure as Assistant Vice President was marked by the creation of a novel alternate data asset framework. This strategic initiative broadened credit risk assessment capabilities, successfully integrating non-traditional information for customer profiles that traditionally lacked extensive credit histories, thereby enabling significant business impact through digital transformation.

I am having a decade of people manager experience in fintech , banking and finance and providing solutions which are backed by analytics. led and developed high performance team included Data scientist and engineering to leverage cutting edge technology which help to grow organisation to achieve there goal and would like to contribute to growing countries, do let known if you can across any profile where I can contribute and grow with the organisations.

Head - ERM and ORM
at Tata Capital

A Management Professional, with around several years of post-qualification experience in Risk & Control roles in the Banking Industry. Knowledge of all departments and products across all Retail, Wholesale, Rural and Digital channels. Instrumental in setting up or enhancing the Enterprise & Operational Risk function by developing resilient framework, policies, governance along with strong risk culture & communication. Subject matter expert on Enterprise Risk, Internal controls and Compliance with complete knowledge of regulations and best practices across the financial industry. A people manager who can bring a strategic mindset to a highly dynamic environment, utilizing excellent interpersonal skills within multi-cultural, geographically dispersed teams. Possesses excellent stakeholder management skills together with proven ability to manage multiple projects at various stages, on time and with robust controls.

Head Of Data Science, Business Analytics
at Aditya Birla Finance Limited

Amit is seasoned analytics professional with over 20 years of experience into business intelligence and analytics domain spanning across Banking, e-Commerce, electronics and life science industry. Amit has extensive leadership experience in developing solutions and capabilities in digital marketing using machine learning, NLP, deep learning and artificial intelligence
He is passionate about next gen technologies and possess deep expertise in Big Data technologies, large scale data management, advance analytics solutions, computer vision, image and text processing

Head of Risk Analytics
at Aditya Birla Finance Limited

20 years of demonstrated history of working in the financial services industry. Skilled in Balanced Scorecard, Basel, IFRS9, CCAR, Predictive Modeling, ECL, and Financial Risk. Strong professional with a MS in Quantitative Economics from Indian Statistical Institute.

National Collection head
at HDFC Bank

Debjyoti Datta, Senior Vice President and National Collection Head for Loan Against Property and Emerging Enterprise Group, has been a valued member of the HDFC Bank’s Retail Portfolio Management team for over 17 years. His core competencies include Process Management, Customer Complaints Management, Digital Innovation in the field of collection workflow system, Data analysis and Receivable Management across various stages of delinquencies. His deep-rooted knowledge of compliance requirements helped in designing collection processes for the bank, in line with regulatory expectations. Debjyoti has a total work experience of more than 27 years in the field of receivable management. Debjyoti has been known for his collaborative approach and mentoring skills, and been instrumental in leading successful teams known for delivering impeccable portfolio indicators in the industry. His knowledge spans across various products ranging from Secured, Unsecured loans & Payment business. He is known for his proficiency in people, vendor and associate management. His experience across national and international market makes him a subject matter expertise in the field of Retail & Corporate Receivable and Debt Management.

Credit Risk Professional with 16 years in Financial Services

• A seasoned professional with 16 years of experience in credit risk management including 11 years in leadership roles. Experienced in managing regulatory compliances, RBI policy implementation, and regulatory audits.
• Experienced in leading multicultural teams, managing C-level clients spanning from the US to Japan. Delivered business solutions to the clients from large global banks, SMEs, and small-scale industries.
• Hold multidimensional technical expertise including underwriting, credit risk management, devising and implementation of credit policies, debt collection and recovery, ESG assessment, investment research (buy-side and sell side), fixed income trading, and equity trading (NYSE & NASDAQ).
• Managing CXO level clients since 2010, worked with seven global banks and asset managers. Experienced in managing senior stakeholders including global credit heads, CIO, and regional business heads.
• Collaborated with business stakeholders to establish three business processes from scratch. Independently managed several offshoring transitions in RBS, CRISIL, and Shell.
• Strong experience in banking and macroeconomic policy research, analyzing banking regulations (Basel III, Bank Recovery and Resolution Directive (BRRD), and Capital Requirements Directive IV), assessment of covenants and bond indentures. Published several reports on the banking sector, Basel accords, and macro-economic fundamentals.

Head - Risk Management
at Bajaj Markets

Bio Will Update Soon

Chief Revenue Officer
at Monnai

Kiran is a working professional with experience in the Consulting, Banking and Technology domains. He is currently the Chief Revenue Officer for Monnai and helps drive growth for the firm.
He enjoys reading and debating and is interested in philosophy and creativity. He is perpetually on the lookout for originality and novelty both in thought and expression.

Co-Founder & Chief Product Officer
at monnai

Co-Founded Monnai & building a global platform to disrupt fintech decisioning Monnai has been listed as the top companies to watch out for in 2022 by Liminal. https://liminal.co/articles/companies-to-watch-in-2022/

Head Credit-Retail Agri & Digital Lending
at DCB Bank

Over 20 years of experience driving growth and profitability for financial institutions, with a strong foundation in rural and agri lending. Expertise spans product development, credit risk management, and digital transformation.Presently overseeing Credit underwriting for Retail Loans, including equipment financing, Kisan Credit Card, and unsecured lending through Business Correspondence and Fintech partnerships. At DCB Bank, played a pivotal role in establishing rural footprints and setting up the Retail Agri loan portfolio. At ICICI Bank, coordinated the launch of new retail products across geographies.
Interested in mobile-based digital engagement strategies and Account Aggregator frameworks to deliver personalized financial wellness solutions.

Head - Fraud Risk Management
at Piramal Capital & Housing Finance Limited

Chartered Accountant (CA), Certified Fraud Examiner (CFE), and Certified Cryptocurrency Expert (CCE) with over Decade of experience in Risk Management, Forensic Audits, Fraud Prevention, and Operational Risk. Currently leading Fraud Risk Management at Piramal Capital & Housing Finance, driving critical projects such as early warning signals, IFC audit,operational and fraud risk frameworks. I’ve successfully reduced fraud incidents and implemented strategic risk policies that align with regulatory compliance and industry best practices.

In previous roles at Marwadi Shares & Finance, EY and Mazars, I managed forensic audits, advised private equity firms on high-value acquisitions, and mitigated complex financial risks. My experience spans diverse industries, including finance, real estate, infrastructure, and lifestyle sectors. I’ve worked closely with regulatory bodies like CBI, SFIO, and EOW on high-profile investigations.

With executive education from IIM Lucknow and expertise in fintech, blockchain, and cryptocurrency risk, I am driven by the opportunity to create value through innovative risk management strategies, financial governance, and leadership.

Head Fraud Control Unit at Mahindra Finance

As the Head of Fraud Control Unit at Mahindra Finance, I lead a team of professionals who are responsible for preventing, detecting, and resolving fraud cases across the organization. With over 19 years of experience in the financial services industry, I have developed a strong expertise in fraud investigations, portfolio management, financial risk, and business relationship management.
My mission is to ensure the integrity and security of Mahindra Finance's assets, operations, and reputation, and to protect the interests of our customers, investors, and stakeholders. I leverage my MBA in Finance and my analytical, communication, and leadership skills to design and implement effective fraud control strategies, policies, and systems, and to collaborate with internal and external partners to mitigate fraud risks and enhance compliance. I am motivated by the challenge and the opportunity to contribute to Mahindra Finance's growth and success.

Head of Credit at Mahindra Rural Housing Finance Ltd

Enterprise Risk Management. Risk Rating, Probability of Defaults, Risk Simulations, Operational Risk, Key Risk Indicators.

Head -Strategy / Receivables Management at Bank of Baroda

Performance oriented professional with 21 years of proven track record in Collections and Legal recovery through inspiring leadership and execution excellence.

Retail Portfolio Management
Deft experience in Early, Mid, Deep and W/off Buckets for Secured, Unsecured, Agriculture, Commercial vehicle, Construction Equipment & Mortgage Loans.

Delinquency / Debt Management: Designing and implement collection strategy, techniques, procedures for end-to-end collections buckets.
Impact analysis on delinquency basis high frequency lead and lag indicators.
Design, Develop & Implementation of various Policy & Processes framework for smooth functioning daily collection operations.

Legal Tools: Understanding of various legal tools and tactical implementation as an enabler for portfolio management.
Networking: Coordinating with law enforcement, statutory bodies & auditors both internal and external for compliance and controls.

Call Centre & Field force / Profit Centre Operations: Managing network of Agencies & large In-house Team of call center & field Force.
Removal of bottlenecks through handholding, coaching & training, one-on-one methods for team support and supervision.
Devising To-Do list, Daily/Weekly Assignment’s methodology and monitoring the outcome in controlled environment.
Enabling the performance of team members for ensuring individual & group achievements.

Budgeting & Planning: Planning & budgeting basis collection models along with profitability measures.
Deployment of Technology and processes for enhancing productivity and Cost optimization.

Business Re-engineering: Understanding & Implementation of newer technologies in collection function.
Process & Performance re-designing & improvement through analytics & qualitative interventions.

â—¾ Notable Accomplishments:
Developed & Implemented - Risk based collection Model.
Design, Develop & Implemented Agri-collection Model
Business Re-engineering of end-to-end collection and legal Process.
Blueprinting and implementation of Digital Collection process.
Exposure in portfolio Selloff’s & Buyouts.

Vice President RCU- Fraud Prevention Investigation and Control

Fraud Risk control