Chairman and Managing Director
Being Catalyst Pte Ltd. A Global Management Consulting Company
Total years of experience :32 years, 10 Months
Consulting in BFSI sector in the ares of :
Strategy, Fintech, Risk, NPA Management, ARC, Insolvancy, Technology. etc.
I had the opportunity to handle various functions through my career. Listed below are the details of achievements in various functions held like Start-ups, Profit Centre management, Strategy implementation, Risk Management, Operations, Quality Assurance, Compliance and Client Service.
Worked as MD and CEO of the Bank.
1.Implemented the Enterprise Technological Innovation in area of Customer interactions, Delivery channels and Operations.
2. Led the innovation and Fin-Tech tie-ups and build synergies.
3. Chart out the Digital strategies for the Bank
4. Led the Business front for use of Analytics and building blocks towards Predictive sales.
5. Administration of over 26000 billion Rupees in liabilities and assets, with over 140 branch and 6 Regional networks.
6. Identification of Financial Institutions and other market for Wholesale Banking.
7. Identification of 21 Principle Risks and implemented GRC framework
8. Over 60 % rise in Primary and secondary liquidity
9. Workflow and Technology efficiencies placing bank among the forefront in electronic offerings in the banking sector.
10. Efficiently steered the organization through troubled waters of rising NPA’s
11.Reduced the Turn Around Time to Customers by 50 %
12. Limiting expenses by 42 % year on year
13. Implementation of Enterprise Risk Framework
14. Implementation of Corporate Governance and Speak Up Policycertified Balanced Score Card Implementer and Certified PMI
Responsible for the Enterprise Risk Function of the Bank.
-Implemented the Enterprise Risk Framework in Cosmos Bank, and was member of core team in earlier organisations
-Led the risk appetite and business underwriting standard formulation exercise within RMD
-Partnered with Group Finance and business divisions in the planning and budgeting process
-Advised business periodically on issues relation to RWA strategy, as and when required
-Quickly turned around regulatory examination order facing some asset quality issues head on with methodology hailed as model for other banks facing critical audit issues in wake of new regulatory practices
-Implemented the ‘Speak-up’ policy organization wide for all stakeholders
-Influenced the Board to implement ‘Code of Conduct”, Acceptance of Gifts policy etc. to bring in best practices in Corporate Governance
-Build new, perpetual revenue stream that replaced original portfolio profits
-Developed and launched a risk/reward based lending strategy with strategic input into the Asset and Liability Committee at Corporate office and Executive Committee (Board level)
-Established a new segment for Agricultural Income and improvised the credit underwriting process as well as maintained zero delinquency
-Steered the opening of new segment of Project and Construction Finance to Developers and Builders.
-Led the launch of joint project with Promoters and Builders Association
-Opened up the segment of High Value Loans worth Rs. 1 crore and above. Identified and tied up with Developers for Business Development
-Implemented the Risk Frame Work across the functions, conducted cross business wide Operational Risk Assessment.
-Core team member for roll out of Risk and Control Assessment mechanism across all lines of business
-Core team member for drafting of Credit Lending Policy, Operational Policy and processes and Sales Incentive Scheme
-Identified and established relationship with major third party partners like Banks, Valuation companies, Insurance providers and Legal Consultants
-Developed & implemented Credit Appraisal Systems as per the requirement of the international market with special reference to NRI market
-Instituted the Know Your Customer (KYC) norms in the organization, specific to the region.
-Received appreciation from Internal and External Auditors (PWC) for excellent internal controls and Portfolio Quality.
-Oversaw all aspects of credit performance monitoring including the consistent application of credit policy
-Developed, implemented, maintained and analysed accurate and timely MI (e.g. PQR) and presented the information in a clear and concise manner at a team, departmental and business level to allow for the effective management of the loan portfolios;
Involved in Consulting and Training in the BFSI and SSI sector
Head of Quality Assurance for the enterprise
Responsible for the Credit Admin and Relationship management with HNI Clients -
Implemented the Award Winning Relationship Management Solution
MBA in Finance and Strategy
LLB (G) - Degree in Law.
B.Com Degree
