Experience

India Ratings & Research - A Fitch Group Company

• India
• Financial Services
• 200 - 300 Employee

• External Independent Member (SEBI regulations) : Credit Rating Appeal Committee

  • Feb 2022 - Present



Decimal Point Analytics

• India
• Business Consulting and Services
• 500 - 600 Employee

• Executive Vice President

  • Aug 2020 - Present



ASPEN Capital Solutions LLC

• Mumbai, Maharashtra, India

• Senior Advisor

  • Dec 2020 - Jun 2022

  • ASPEN Capital Solutions LLC is a boutique advisory firm specializing in facilitating transactions among financial institutions, corporates, development finance institutions (DFIs) and impact investors relating to sourcing, risk assessment, due diligence, structuring, issuance, restructuring, and recapitalization of debt instruments, whose proceeds are typically on-lent to underserved sectors such as micro-, small- and medium-enterprises (MSMEs). • ASPEN also advises its clients to strengthen their financial, risk management and digital capacity, often funded with grants from institutional donors. • Founded in 2009 and headquartered in New York City, ASPEN team members are spread across London, Hong Kong and South Asia, where they have served in senior/ leadership positions at major global banks, family offices and institutional investors, including Goldman Sachs, JP Morgan, Merrill Lynch, Credit Suisse, BNP Paribas, Mizuho Alternative Investments and Search Investment Group. • In India, ASPEN intends to offer advisory services to financial institutions and corporates to mobilize debt financing and grants from offshore institutions, including DFIs, impact investors and donors, leveraging the ASPEN team’s vast experience in the U.S., Europe, Asia, Middle East & North Africa. • As a Senior Advisor, my role is to draw upon my deep understanding of the Indian credit market and the ASPEN team’s vast global experience, to advise domestic financial institutions and corporates in mobilizing offshore financing, whose proceeds are to be on-lent, profitably, to underserved sectors, such as MSMEs, especially those empowering women, improving worker safety, or reducing carbon emission. Show less



CARE Ratings

• New Delhi Area, India

• Senior Director (eqvt to Chief General Manager)

  • Jan 2019 - Jan 2020



Jana Small Finance Bank

• India
• Banking
• 700 & Above Employee

• Senior Vice President

  • Mar 2018 - Dec 2018



Janalakshmi Financial Services

• India
• Banking
• 700 & Above Employee

• Vice President

  • Aug 2015 - Feb 2018



Axis Bank

• India
• Banking
• 700 & Above Employee

• Vice President and Unit Head, Strategic Initiatives Group (SIG)

  • Apr 2014 - Aug 2015

  SIG was set up as a regulatory compliance cell associated with the Corporate Bank. The focus of my role is to handle regulatory compliance in the context of evolving RBI regulations for Corporate Banking, handle credit auditors for the dept, send out MIS and control reports to internal and external stakeholders and move activities to a technology platform so as to more efficiently collect and disseminate large volumes of data. Also involved in identifying training needs and designing functional and behavioural training programmes for the Corporate Relationship Group which currently comprises some 350+ team members across multiple locations Show less

• Vice President (Corporate Credit)

  • Jul 2011 - Apr 2014

  Handled a team of credit analysts who tracked and put up credit proposals across a credit portfolio of about Rs 25000 crores including sectors such as Oil & Gas, Petrochemicals, Textiles, Gems & Jewelery, White Goods, Chemicals and IT/ITES.Involved in identifying training needs and designing functional training programmes for the credit team which currently comprises some 100 team members across multiple metro locationsAssisted in formulating and understanding credit policy in the context of changing RBI regulations and evolving credit marketsFormulated processes for improving Turn Around Time (TAT) of credit proposals to address competitive pressuresStudied and understood RBI regulations as relevant for the various industry sectors handled by me.Functioned effectively as a department coordinator for all HR activities including manpower planning, and performance appraisal processes at the dept level. This included identifying high-performers and grooming them for higher roles as well as compiling database of people eligible for promotions. Show less



SNR Platinum

• Partner

  • Jun 2010 - Jun 2011



EduSpire

• Founder

  • Oct 2008 - Jun 2011

  EduSpire was a franchise holder for a reputed all-India level MBA test preparation company. EduSpire also offers credit risk training for employees of banks, and by virtue of expertise in the credit rating space, offers credit rating advisory services for SMEs which have to comply with increasingly stringent Basel 2 norms. EduSpire was a franchise holder for a reputed all-India level MBA test preparation company. EduSpire also offers credit risk training for employees of banks, and by virtue of expertise in the credit rating space, offers credit rating advisory services for SMEs which have to comply with increasingly stringent Basel 2 norms.



CRISIL Limited

• India
• Financial Services
• 700 & Above Employee

• Head - Global Credit Research

  • Mar 2002 - Sep 2008



ICRA

• Manager - Credit Ratings

  • 1994 - 1997