Sagar Shah

• Directed the design and delivery of a comprehensive Risk & Control Inventory
across leasing operations, strengthening the control environment and risk culture
• Redesigned Risk Appetite framework and embedded KRIs into Board reporting,
enhancing forward-looking portfolio oversight and enabling earlier risk escalation
• Developed and rolled out Power BI-based portfolio monitoring dashboards for
credit and financial performance reporting, reducing reporting cycle time by 50%
• Remediated audit findings and updated policies/procedures to best-practice
standards
• Led risk, control input for New Structured Product Approval covering
Junior/Mezzanine Debt transactions, ensuring compliance with capital, liquidity
and market risk appetite

• Directed enterprise-wide and prudential risk management for a $35bn balance
sheet, spanning credit, market, liquidity, operational, model and sustainability
risks
• Recalibrated capital risk appetite annually, embedding metrics across financial
and non-financial risks; outcomes endorsed at Board and regulatory levels
• Produced and presented Board and CRO-level risk packs, translating complex risk
issues into concise strategic insights
• Contributed to Prudential processes, including ICAAP, ILAAP and Recovery
Planning submissions to the PRA, ensuring capital and liquidity resilience
• Monitored risk trends across corporate, Financial Institutions, Sovereign, and
Structured portfolios; advised on early warnings and mitigation actions
• Engaged with PRA and ACPR supervisors on prudential matters, regulatory
submissions, and inspections, achieving successful outcomes
• Co-ordinated multi-department workstreams of 10-15 across risk, credit, finance
and front offices to implement new regulatory requirements, including Basel 3.1,
Step-in risk, Pillar 2 Capital and EBA guidelines on Shadow banking
• Mentored junior risk professionals and embedded a collaborative team culture

• Directed entity ICAAP, ensuring PRA compliance and Board approval
• Coordinated successful supervisory remediation resulting in the removal of
capital scalars
• Oversaw credit risk reviews and portfolio monitoring across diverse sectors and
geographies, improving portfolio resilience
• Represented SMBC at BBA/ UK Finance forums on prudential policy matters
• Managed regulatory applications, including the withdrawal of FIRB approval

• Delivered ICAAP and prudential reporting to the FSA, securing Board approval and
maintaining supervisory confidence
• Managed remediation of regulatory audit findings, reducing issues and
strengthening FSA engagement
• Led credit policy development, credit appraisal and portfolio oversight for
wholesale lending

• Executed 50+ credit ratings and financial modelling for corporates across
multiple sectors
• Engaged with senior management and banks on creditworthiness and rating
assessments