The Institute of Chartered Accountants of India

Small Industries and Services Institute, Government of India

University of Calcutta

Indian Institute of Management Nagpur

Indian Institute of Management Kashipur

Head -  Policies

Responsible for Credit Risk, Risk Strategy, Policy, Portfolio Management, Early Warning and Process Control of SME Business - Secured and Unsecured Business including funding to Financial and Educational  Institutions

InCred Financial Services

Director Head of Risk - SME

Responsible for Risk Management across all of IFSL product lines, Risk Control Unit, Operational Risks and Enterprise Risks.

Chief Risk Officer

Responsible for Credit policy development, risk governance, portfolio risk management and Internal Audit for NBFC vertical of Udaan.com

Udaan.com

Head - Policies

Credit Risk Management, Process Governance, Asset Monitoring, Policy formulation and Due Diligence advisory services - SMEs, HFCs, Banks and NBFCs

Chartered Accountant

Independent Consultant

♦ Managed a team of over 200 staff across 100+ locations and key responsibility of underwriting, collateral and portfolio management. Key member of Risk Management and audit committee of Magma Housing and participation in strategic projects for transformation to national affordable housing player and reduction of GNPA with business growth of over 3x in 12 months.
♦ Proficiently handling credit policy, underwriting, portfolio management and risk analytics for micro lending, personal loans, overdrafts, and trade finances also working capital facilities for both SME and corporate
♦ Precisely preparing portfolio risk management of Micro, Small & Medium Enterprises (MSME) including regulatory compliance for asset book of over USD 25M build after set up of risk infrastructure

Magma Fincorp Ltd.

National Credit Head – SME Commercial & LAP

♦ Responsible for formulation of Credit Policy for multiple liability & asset based products
♦ Developed credit strategy for the bank to launch for various products under Retail & Business Banking 
♦ Developed risk appetite framework and credit infrastructure 
♦ Prepared credit underwriting and portfolio management including business risk analytics
♦ Regulatory compliance and reporting including internal & external audit

FirstRand Bank India

Head – Credit-Retail & Business Banking (SME)

♦ Segment Risk Manager - SME (Small Medium Enterprise) Mortgages Business and Institutional Investments

Fullerton India Credit Company Ltd.

Vice President – Risk SME & Institutional Investments

♦ Subject Matter Expert (SME) for Operational Risk, Credit Risk, Market Risk and Audit Risk for Private Banking India Unit
♦ Responsible for risk management for India Private Banking unit to manage the following key activities 
✔ Regulatory / legal knowledge in relevant jurisdictions for On-Shore and Off-shore lending facilities to HNI and Corporate clients
✔ Risk assessment & collateral monitoring
✔ Credit operations and accounting
✔ Preparation and review of credit policies / underwriting standards
✔ Prepare and review all Risk Committee Reports
✔ Prepare second-level reporting on the Capital Requirements Report
✔ Manage internal and external auditors and regulator relationships
✔ Propose improvement opportunities to improve overall credit risk management practices
✔ Member of Private Banking India Executive and Audit Committee

Societe Generale Corporate and Investment Banking - SGCIB

Head – Risk, SG Private Banking India

♦ Responsible for credit decisions for South Zone for asset lending primarily mortgages
♦ Responsible for Risk Management activities

Deutsche Bank

Regional Head - Credit Decisions, Asset Products

♦ Responsible for credit acceptance and underwriting of all  mortgages & SME Lending – trade, working capital and term loan proposals in compliance with policy and product norms of the bank
♦ Monitored credit quality & collateral perfection of the accounts in the portfolio and addressed temporary overdrafts and excesses on accounts with working capital & trade finance facilities
♦ Ensured quality & timely output from vendors – legal and valuation agencies, statutory compliance on KYC norms and Registrar of Companies

Standard Chartered Bank

Center / City Credit Manager

♦ Responsible for Credit Approvals, Controls and Credit Processes for Auto Loans, Personal Loans, and Overdraft account of liabilities for retail customers in Calcutta
♦ Effectively monitored the overdue accounts and supported collections machinery for reducing delinquencies of the retail asset portfolio
♦ Supported asset growth through quick turnarounds and ensured generation of credit and collection MIS on portfolio behavior
♦ Managed vendor and process rationalization by effectively monitoring of credit agencies like CPA and CPV through periodic reviews and ongoing training of team members

American Express Bank Limited

Credit Officer – Personal Financial Services

♦ Setup acquisition and risk infrastructure for launching Citibank N A Mortgage business in East region

Krishna Bahety