Ashwathaman Narayanan — CEO
* Senior Banking & Finance professional with extensive experience in Credit Risk & Product Management. * Enriching association with all formats of banking from PSU banks, PVT banks, Small Finance Banks, NBFC to Digital lending Fintechs over the last 13 years. * My core expertise lies in Credit & Risk Management, Credit Policy writing & Credit Strategy development, Product Management & Credit Infra development, Delinquency Management. * Expertise in assessing credit risk for mid corporate clients and SMEs, utilizing advanced analytical methods and industry-specific metrics. * Experienced in system implementation, migration, and utilization of Risk Lifecycle Management Systems (RLMS), Loan Origination Systems (LOS). * Professional architect in building RISK based- BREs, scorecard, rating models for risk estimation across all product & customer segments * Strengths include managing diverse risk elements across various markets, business, customer, product segment at strategic and transaction level. * Proficient in digital credit risk assessment, leveraging technology and data-driven models to enhance accuracy and efficiency. * Proficient in building Unsecured Digital Lending & credit risk underwriting journeys for Supply Chain Credit Risk, and SME & Midcorp credit portfolios. * Proficient in implementing measures to maintain compliance and mitigate legal risks effectively. * Proven track record in designing credit policy and risk & hiring and training of team. * Demonstrated excellence in monitoring and controlling delinquency and credit loss.
Stackforce AI infers this person is a Fintech expert specializing in Credit Risk Management and Product Strategy.
Location: Chennai, Tamil Nadu, India
Experience: 15 yrs 1 mo
Skills
- Credit Risk Management
- Product Management
- Policy Development
- Product Strategy
- Credit Management
Career Highlights
- Expert in Credit Risk Management and Product Development.
- Proven track record in managing delinquency and credit loss.
- Architect of credit policies and risk management strategies.
Work Experience
CashFlo
Senior Director & Head Credit Risk (1 yr 10 mos)
Vivriti Capital
Head Credit & Risk (2 yrs 2 mos)
Jana Small Finance Bank
Vice President & National Credit Head (7 mos)
Equitas Small Finance Bank
Deputy Vice President & National Product Head (1 yr 1 mo)
IndusInd Bank
Assistant Vice President & Zonal Credit- South (1 yr 2 mos)
Chief Manager & Zonal Credit- South (1 yr 11 mos)
Zonal Credit Manager- South (4 mos)
Credit Portfolio Manager- South (1 yr 3 mos)
Indian Bank
Credit Manager (3 yrs 1 mo)
Microsoft
Project Trainee (4 mos)
Sundaram Clayton Limited
Project Trainee (2 mos)
HCL Technologies
Associate System Engineer (1 yr 4 mos)
Education
Master of Business Administration (MBA) at University of Madras
Bachelor of Engineering (B.E.) at Anna University Chennai
High School/Secondary Diplomas and Certificates at Padma Seshadri Bala Bhavan Sr. Sec. School
