· Accomplished banker and risk professional with over 36 years of experience in Credit and risk management. Highly focused with an extensive experience in bank framing policy guidelines, in addition to a comprehensive understanding risk and credit management. Exceptional leader, Well-versed with the techniques used to assess risk factors in a modern business organization with the ability to adapt according to the situational requirements and deliver the desired results.
· Conducting specialized training program in Risk Management and Credit Appraisal Techniques with Institutes and Banks including NIBM Pune.
· Advisor with Auronova Consulting Solutions, a specialized consulting firm engaged in the business of providing cutting edge consulting services and solutions to banks and other financial institutions in the areaz of risk management. It also provide analytical services, implementation support and compliance related advisory and solutions. It has served more than 15 clients in multiple countries across the globe over the last 5 years, creating a niche for the firm in a short span of time by providing its clients best in class solutions, while competing with the best in the industry.
· Also a qualified and Registered Insolvency Professional (IBBI/IPA-002/IP-N00563/2017-2018/11704)
· Professional highlights
· Instrumental in establishing Risk Management structure in Punjab National Bank, which includes Development of risk reporting and governance structures, risk policies, constituting various risk committees and making them functional, developing banks own Credit risk rating models, retail scoring models, early warning signal models, behavioral models etc and defining risk appetite for the bank.
· Implementing Basel accord and enabling bank to adopt advance approaches for market, credit and operation risk.
· Instrumental in value enhancement of organization through implementation of RAROC framework and capital allocation to different business units.
· Establishing Group risk management structure in PNB and aligning risk management structure at subsidiaries.
· Development of strategic revamping plan for Punjab National Bank in view of the current environment and future challenges.
· Instrumental in establishing “CORDEX” for External loss data collection at industry level.
· Career Highlights
· Group Chief Risk officer of PNB for more than 3 years
· Bank’s nominee director on the Board of CORDEX
· Member / permanent invitee to the Risk Management committee of PNBIL, Druck PNB, PNB Gilts.
· Handled very large credit and project finance for nearly ten years