Smita Saha, FRM

Associate Partner

Bengaluru, Karnataka, India11 yrs 1 mo experience
Most Likely To SwitchHighly Stable

Key Highlights

  • 10+ years in credit-risk and transformation roles.
  • Expert in regulatory alignment and change delivery.
  • Proven track record in digitizing credit workflows.
Stackforce AI infers this person is a Fintech professional with expertise in credit risk transformation and regulatory compliance.

Contact

Skills

Other Skills

Corporate FinanceDerivativesOperations ManagementSecurity AnalysisPortfolio ManagementProject ManagementFixed IncomeProject AppraisalMarketing StrategySupply Chain ManagementAccounting ManagementService OperationsBusiness AnalysisPredictive ModelingStrategy

About

Credit-risk and transformation professional with 10+ years of experience across wholesale lending, risk governance, and change delivery. At HSBC, I lead initiatives that digitise credit workflows, enhance portfolio visibility, and improve regulatory alignment across global markets. FRM-certified and results-driven, I’ve delivered high-impact solutions under tight timelines — from global tool builds to stakeholder-driven design shifts — always balancing risk control with business agility. I thrive at the intersection of business, technology, and data, turning complex credit-risk challenges into scalable, measurable outcomes.

Experience

11 yrs 1 mo
Total Experience
3 yrs 8 mos
Average Tenure
6 yrs 2 mos
Current Experience

Hsbc

3 roles

Associate Director-Wholesale Credit & Lending

Promoted

Jan 2025Present · 1 yr 5 mos

Assistant Vice President- Wholesale Credit Risk Transformation

Feb 2022Jan 2025 · 2 yrs 11 mos

Manager- Wholesale Credit Risk Transformation

Apr 2020Feb 2022 · 1 yr 10 mos

  • Regulatory change management in the area of Wholesale Credit Risk Transformation in lines with IFRS9, FINREP, SOX, Basel 3, HKMA. Project and release management for all audit/streamlining/regulatory changes throughout Asia Pacific, US, UK, Canada, Middle East and Latin America.

Credit suisse

Business Analyst- APAC Credit Risk Transformation

Apr 2017Apr 2020 · 3 yrs · Pune Area, India

  • Driving change management in the area of APAC credit risk reporting, both IB and PB

Jindal steel & power ltd.

Summer Finance Intern

Apr 2016May 2016 · 1 mo · Gurgaon, India

  • Summer intern- Finance and accounts
  • A comparative financial analysis of the big 4 steel manufacturing companies of India and establishing whether raw material security is an important factor for driving competitiveness in the Indian steel sector:
  • To understand the various financial parameters affecting the performance of the steel making giants, to analyze and to find out the valuation of these companies and hence get an overall investment snapshot of this sector. This would also help in providing a scope of improvement in required parameters and in understanding how the peer companies are managing the problem of falling steel revenue owing to cheap steel imports from China. Also, this project would focus on a panel data analysis using R software to check which of the chosen parameters has an impact and explains variations in the sales turnover of the steel companies.

The money roller

Equity Research Analyst

Dec 2015Mar 2016 · 3 mos

  • Equity research Live project for the rubber and tyres industry

Ifb industries ltd

Area Service Manager- West Bengal

Jul 2013Jun 2015 · 1 yr 11 mos · Kolkata Area, India

  • Responsible for handling the service franchisees and the critical customer escalations in his/her respective areas.Bridged gaps in service delivery based on customer feedbacks, feedback from call center and service escalations from dealers and distributors; Minimized warranty consumption costs of the branch based on historical consumption patterns at customer touch-points and component-wise quality information.Ensured business performance on a quarterly basis and credit standing on a monthly basis for key accounts so as to meet quarterly sales & monthly credit targets.
  • Key Responsibilities:
  • Handled service franchises and inventory management
  • Managed customer service escalations
  • Managed spare Parts of up-country franchises
  • Tracked defective machines at warehouse and dealer point
  • Key Assignments/ Initiatives:
  • Customer Connect Programme, West Bengal: Aimed at connecting to all existing customers via phone calls, giving them free servicing and in turn satisfying them and enhancing additive-accessories sale
  • Intellicon Project: Used to map and enhance the potential of the call coordinators of the branch

Steel authority of india limited

Intern

Dec 2011Jan 2012 · 1 mo · Durgapur Area, India

Education

Institute of Management Technology, Ghaziabad

PGDM-Finance — Finance

Jan 2015Jan 2017

National Institute of Technology Durgapur

Bachelor of Technology (BTech) — Electrical Engineering

Jan 2009Jan 2013

Bhavan's Gangabux Kanoria Vidyamandir - India

science

Jan 2003Jan 2009

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