A Risk Professional and a Chartered Accountant and with over 2 decades of experience in Banking & Finance. Rich experience of Credit Risk Management in Retail & SME business incl. Priority Sector Loans Exposure to Investment banking, buyouts and Securitizations International experience in Operational Risk Review in South Asia, Middle East and Africa Markets Worked on disruptive product ideas, delivery mechanics, technology and automation Good understanding of MSME segment specially the underserved. Launched a product and business for the segment with technology as enabler Speaker on various forums on topics like P2P lending, Liquidity Crisis and New age risk management practices