🔹 Offering Leadership Capital in Credit Risk Management, Corporate Advisory, Global Service Delivery, and Innovation & Transformation initiatives. Over 25 years of experience spanning domestic and global markets. Blended with diverse stakeholders, steered culturally diverse teams, nurtured relationships and delivered sustained outcomes. 🔹 In my previous role as the Interim Head of Credit Analysis Unit (CAU) at HSBC, led the function with collaborative leadership and governance. Further embedded and infused conscious, conscientious, and democratic leadership which enabled in delivering the strategic priorities. Steered a team of around 260 credit professionals in India, China, and Malaysia catering to stakeholders in 24 countries. More importantly, provided overarching inspirational leadership and ensured well-being of the team during the challenging phase of Covid-19. 🔹 Across years, redesigned processes, configured innovation initiatives (RPA), facilitated and implemented transformation projects.🔹 Domain: Credit Risk Management || Credit Approvals || Credit Ratings || Equity Research || Corporate Advisory || Global Service Delivery || Mentoring || Innovation and Transformation Initiatives🔹 Sectors: Commercial Banks || Life and Non-life Insurers || Mortgage Lenders || Asset Finance || Micro-finance Institutions || Diverse Manufacturing and Infrastructure Sectors || Development Sector🔹 Other interests: Delivered Sessions At Colleges And Industry Forums || Sustainability Initiatives || Fusing ISR and CSR || Digital R(E)volution || Design Thinking || Entrepreneurship🔹 Other pursuits: Penning Poems || Thematic Video Snippets
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Vice President - Credit Analysis UnitHsbc Oct 2021 - Jan 2022Bangalore Urban, Karnataka, India🔹 Resigned to be on sabbatical to pursue dreams and fulfil responsibilities. -
Vice President - Interim Head, Credit Analysis UnitHsbc Jul 2019 - Sep 2021Bangalore Urban, Karnataka, India🔹 As the Interim Head steered the overall function of around 260 professionals; strategised, planned and enabled oversight of operations, infused functional governance and implemented initiatives that enabled service delivery. 🔹 Importantly, energised and engaged the teams and navigated the function during the challenging 18-month CoVid19 phase.🔹 Further, facilitated and collaborated on innovation, automation and transformation projects, managed vendor negotiations and shaped tangible outcomes. 🔹 The overall management philosophy revolved around felicific calculus ethos, which nurtured people-cum-performance oriented culture that helped in collectively achieving notable milestones and KPIs.
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Vice President - Credit AnalysisHsbc Jan 2013 - Jun 2019Bengaluru Area, India🔹 Integrated teams to enhance and expand analytical horizon🔹 Facilitated initiatives to improve quality and enhanced service delivery 🔹 Instilled a focus on thematic reports to widen analytical horizon of the team🔹 Focused on streamlining and continuous process optimisation🔹 Methodically infused and sustained governance🔹 Nurtured the culture with a felicific calculus orientation🔹 Expanded the scope of service delivery to more countries; in effect delivered more with less 🔹 Collaborated and provided support to various innovation, automation, and transformation projects🔹 Facilitated the implementation of BluePrism RPA solution
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Head (Senior Officer): Credit Risk - Global Financial InstitutionsAl Rajhi Bank 2011 - 2012Riyadh🔹 Demonstrated unique ability to promote business growth and mitigate risk exposures through judicious credit decisions🔹 Managed the ever-evolving counter-party and sectoral developments and ensured a healthy credit portfolio🔹 Managed risk appetite and ideal exposure limits, shaped portfolio composition and a well diversified loan and investment book with nil credit loss -
Interim Head - Credit Risk - Global Financial InstitutionsAl Rajhi Bank May 2011 - Nov 2011Riyadh, Saudi Arabia🔹 Managed Credit Risk of Financial Institutions lending book
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Officer: Credit Risk - Global Financial InstitutionsAl Rajhi Bank 2009 - 2011Riyadh🔹 Tracked health of sovereigns, analysed sectoral trends, synthesised views and recommended credit proposals to the Credit Approval Committee / Board of Directors
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Avp (Head: Offshore Insurance Research)Hsbc 2005 - 2009Bangalore Urban, Karnataka, India🔹 One of the founding members and start-up Lead of the Global Research Centre, GSC🔹 Played a key role in nurturing and stabilising the start-up operations🔹 Built and sustained relationship with equity research teams across London, New York, and Hong Kong🔹 Managed aspirations, enhanced engagement levels, and channelled team members potential🔹 Contributed to diverse analytical reports on the insurance sector🔹 Primary co-author of thematic reports on The Insurance Markets of India. The thematic reports were cited by an Indian Business Daily and by an Indian insurer in the annual report🔹 Co-authored a research report titled Climate Change Conundrum; the report delved into changing climatic conditions and its impact on the insurance sector
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ManagerCrisil Limited 2001 - 2005Chennai, Tamil Nadu, India🔹 Formulated strategy and business plan for an NBFC towards conversion into a commercial bank🔹 Secured a grading mandate from a leading MFI in Manila and and headed the delivery of the assignment🔹 Headed the execution of a seed capital consulting project, funded by a global development financial institution🔹 Played a pivotal role in launching MICROS, a research publication for constituents in the micro-finance sector -
Senior Credit AnalystCrisil Limited 1998 - 2001Chennai, Tamil Nadu, India🔹 Refined analytical framework and rating criteria🔹 Undertook valuation studies for the Disinvestment Commission, Government of India🔹 Devised strategy and formulated business plan for a foreign bank’s proposed entry into India
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Credit AnalystCrisil Limited 1995 - 1998Bangalore Urban, Karnataka, India🔹 Evaluated, benchmarked and assigned credit ratings to diverse companies 🔹 Presented credit rating proposals to the Rating Committee 🔹 Developed analytical frameworks and rating methodologies
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Assistant Manager Corporate FinanceGruh Finance Ltd. 1994 - 1995Ahmedabad, Gujarat, India🔹 Devised exposure limits for industries and companies🔹 Evaluated financial health of companies 🔹 Presented investment recommendations to the Management Committee 🔹 Facilitated the Rights Issue of the company that entailed drawing up the business plan and financial projections -
Management TraineeGruh Finance Ltd. 1993 - 1994Ahmedabad, Gujarat, India🔹 Handled retail mortgage finance lending portfolio
Balasubramanian R Education Details
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Finance & Systems -
Maths & Computer Programming -
Computer Systems Corporation, ChennaiComputer Software
Frequently Asked Questions about Balasubramanian R
What is Balasubramanian R's role at the current company?
Balasubramanian R's current role is 🔹Leadership Capital 🔹 Credit Risk Management 🔹 Corporate Advisory 🔹 Orchestrating High Performing Culture & Transformation Management 🔹 Sustainability Evangelist.
What schools did Balasubramanian R attend?
Balasubramanian R attended Institute Of Rural Management Anand (Irma), The Institute Of Chartered Accountants Of India, Dwaraka Doss Goverdhan Doss Vaishnav College, Computer Systems Corporation, Chennai.
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Balasubramanian R
Pragmatic Institute Certified Product Manager | Supply Chain Management | Cloud Native TechnologiesChennai -
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Balasubramanian R
Senior Project Manager - Product Management | Generative Ai Enthusiast | Banking Risk Management Framework | Regulatory ComplianceChennai -
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Balasubramanian R
Chengalpattu
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