 Seasoned professional with 23 years of rich experience in the area of Credit and Risk management with expertise in Mid-Market, SME and Business Banking and exposure of handling all Retail Products Currently working as Chief Credit Officer for Vivriti Capital Prior to this worked as National Risk Head - Retail , SME and Market Risk for L&T Finance Responsible for handling Risk for Housing Loan, Loan Against Property, Unsecured Personal Loan, Micro Finance, Tractor Finance, Two Wheeler Finance over and above SME Risk  Responsible for setting up Unsecured Business Installment Loan vertical.  Also responsible for managing Market Risk for L&T Finance Prior to this was working as National Head - SME, Business Banking, Dealer Funding and Commercial Vehicle for IDFC Bank Involved in setting up the above verticals in the bank.  The Role required setting up 1) Business and Risk Strategy 2) Framing Credit policies, Program & processes 3) Underwriting credits from exposure of Rs.1 lacs to Rs.50 cr. 4) Development of Loan operating System, Early Warning System etc. 5) Hiring and Mentoring the team of more than 60 Risk professionals 6) Managing the portfolio to ensure portfolio quality 7) Developing the score cards for Retail business Prior to this worked in Citibank for 16 yrs in Commercial Bank I was SCO and Head Mid-Market, SME and Citi Business for North and East Region. Was handling portfolio of more than Rs.10,000 cr. The exposure handled from Rs.20 lacs to Rs.150 cr. Have demonstrated significant growth in portfolio along with improved credit quality as Regional Head  Have worked as Risk officer for 5 years and demonstrated strong underwriting skills Have been involved in industry analyses and developing domain expertise for focus industry segments including the preparation of industry studies Expertise in monitoring risk exposure across banking products – Working Capital, Foreign currency loans, forex, derivative transactions etc.  Exposure to complex derivative and commodity transactions Have worked in multiple credit functions – Risk Management, Credit Administration, Portfolio Management, Internal Audit, MIS etc.