Headline

Credit Risk Transformation Specialist | AI & Automation in Lending | Corporate Credit | Python | Power BI | Chartered Accountant

About

Chartered Accountant with 9+ years of experience in corporate credit underwriting, risk audit, and credit risk transformation within the banking sector. My experience spans financial statement analysis, working capital assessment, borrower risk evaluation, and credit policy compliance across corporate portfolios. Over the years, I have also developed a strong focus on improving credit processes through the use of data, automation, and AI-driven solutions. I am particularly interested in the intersection of credit risk, technology, and process transformation, and how digital tools can enhance underwriting quality, improve efficiency, and strengthen risk governance in lending institutions. Key Interests: Credit Risk Transformation • AI in Lending • Risk Automation • Digital Lending • Credit Process Optimisation

Location

Greater Delhi Area

Work experience

AVP at NatWest Group, Oct 2023 - Present · 2 yrs 9 mos, Hybrid

Lead Analyst at NatWest Group, Sep 2021 - Oct 2023 · 2 yrs 2 mos, Gurugram, Haryana, India

Portfolio Manager at RBS, May 2017 - Sep 2021 · 4 yrs 5 mos, New Delhi Area, India, Undertaking Credit Stewardship duties for a commercial banking portfolio of customers. I am responsible for identifying issues, preparing and completing annual reviews, reviewing account behaviour, monitoring early warning indicators, releasing security and monitoring the compliance of facilities with covenants. I work closely with Relationship Directors & Managers to achieve good outcomes for customers that are within the Banks risk appetite profile.

Education

Ca, Accounting and Finance, The Institute of Chartered Accountants of India

Bachelor of Commerce - BCom, Accounting, Guru Nanak Dev University, Amritsar