Ashish has 27+ years of all round experience in financial services business. He has worked hands on across credit rating agency (CRISIL, subsidiary of Standard & Poor’s in India), commercial banks (Citibank NA & Yes Bank), NBFCs (Rabo India Finance) and Investment Banks (Lehman Brothers). Ashish was the Chief Risk Officer for a balance sheet of US$ 50 billion of a private sector bank managing enterprise wide risks for all businesses across Large Corporate, SME and retail.
Ashish has been consulting clients in the BFSI space with the risk processes including credit underwriting for the last 2 years.
Ashish’s core strength lies in management of various risks, project due diligence, undertaking risk assessment, designing controls and policies.
Areas of Expertise:
- Strategic Management
- Risk Management
- Governance, Risk and Compliance
- Credit Assessment / Underwriting / Monitoring and Strategic Financial Planning
Academic & Professional Qualifications
- Masters in Business Administration (MBA) from IIM, Kolkata, India (1997)
- Bachelor’s Degree in Engineering from IIT, Kanpur, India (1994)
Illustrative Experience:
- Engagement Partner for risk management advisory and training services for several clients in India including leading RBI regulated Banks / NBFCs / Asset Reconstruction Companies.
- Managed Pillar I and Pillar II risks for the Bank as part of the overall ICAAP Process. Has been member of various committees including Management Credit Committee, Asset Liability Management Committee, Strategic Management Committee, Security Council, Operational Risk Management Committee, Outsourcing Management Committee, Model Assessment Committee etc thus managing closely all key risks such as Credit Risk, Market Risk, Operational Risk, Information Security Risk, Liquidity Risk, Strategic Risk, Enterprise Risk, Model Risk, Reputation Risk and various other Pillar II risks.
- Has extensive understanding of corporates across sectors (Large / Mid / MSME) and has been a business manager for corporate business of a mid size private sector bank comprising 70% balance sheet and more than 90% profitability
- Overseen the entire enterprise risk management framework covering aspects such as governance structure, risk appetite, stress testing, assessment and integration of various risks, and model risk surveillance
- Played a Key role in transformation of a private sector bank from a primarily large corporates focused bank to a well diversified Retail, SME and Corporate Bank
- Extensive experiences in engagement with Regulators, Statutory Auditors, Internal Auditors, Rating agencies and other external stakeholders as well as delivering detailed risk presentations to Board and Board Sub-Committees
- Active role in Capital raising activities, formulation of policies and new products, strengthening of various credit and non credit processes
- Working directly with promoters of corporate groups on strategic financial planning and monitoring, Serving on advisory board(s) of fintech companies and a thought leader in fintech lending space
- Member of the Finance Area Advisory Board at Goa Institute of Management
- Member of the Advisory Board of some of the leading FinTech companies
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