About Credit Summit India

The Credit Summit India 2017 (CSI2017) is dedicated to special topics in credit risk measurement and management as well as to the discussion of causes and impacts of events on international financial markets and current regulatory activities in the field. The conference is designed to provide an in-depth insight into credit themes and trends across all major sectors. It is also expected to expand the knowledge on the functioning of the credit business through discussion of both existing and new methods and models of credit analysis, credit risk management and related topics such as relationship lending and regulation.

The conference shall bring together Credit industry professionals, Regulators, Media, Thought Leaders and Academics active in the field of credit risk management to discuss emerging issues related to:

Credit analysis & credit ratings

Credit portfolio models & limitations

Credit derivatives & structured finance

The future of Regulation

Risk analysis & management

Credit rating agencies

Relationship Lending

the most awaited conference of 2017 theory & practice


310++ participants


8++ sessions


20++ speakers



Mr. Sanjay Rai, Additional Director (Investigation) and Regional Head of Western India of Serious Fraud Investigation Office, Ministry of Corporate Affairs, Government of India.

Educational background
B Tech (Mech Engineering) and M Tech Biochemical Engineering from IIT, Delhi.

Professional experience
Joined Indian Revenue Service in 1990 Worked as DDIT (Investigation), Mumbai Additional Commissioner of Income Tax, Mumbai / Vapi Additional DIT (Investigation), Rajkot
Additional Director (Investigation) and Regional Head of SFIO since 2011.

Major cases investigated
Investigated more than 60 cases including Harshad Mehta Group of cases of 1992 scam and Vostro account case of India/USSR

Other Notable investigations include:

  • Asharam Bapu
  • Speakasia Online scam.
  • Investigated penny stock companies and multiple. Demat scam of Rajkot / Ahmedabad.
  • Operation Jam Jam, Jamsalaya, Gujarat.
  • M/s JVL/Asaram Bapu’s case.
  • City Limouzines – scam Mumbai.
  • Unipay 2U – scam Northeast, India.
  • Paramount Airways Pvt Ltd
  • Ramel Industries Ltd
  • Mangalam Agro Products Ltd
  • Presently investigating Kingfisher Airlines Ltd, NSEL, etc.


Mr. V. Vaidyanathan founded Capital First Ltd by first acquiring an equity stake in an existing NBFC, changing the business model, and then executing a Management Buyout by securing an equity backing of Rs. 8.10 billion in 2012 from PE Warburg Pincus which included (a) buyout of majority and minority shareholders through Open Offer to public; (b) Fresh capital raise of Rs. 1.00 billion into the company; (c) Reconstitution of the Board of Directors (d) Change of business from wholesale to retail lending; (e) Creation of a new brand “Capital First”. Post the buyout he holds shares and options totalling 10.5% of the equity of the company on a fully diluted basis.

He believes that financing India’s 50 million MSMEs and India’s emerging middle class, with a differentiated model based on new technology platforms, offers a unique opportunity in India. As part of this belief, on acquiring control of the management, he exited legacy businesses of Real estate financing, Foreign Exchange, Broking, Wealth management, Investment management and instead transformed the company into a large retail financing institution with operations in 228 locations across India. Between March 2010 to June 2017, he has grown the retail financing book from Rs. 0.94 billion ($14 Mn) to Rs. 1,98,808 Mn ($3.18 Bn), has grown the Equity Capital from Rs. 6.90 billion ($106 Mn) to Rs. 23,729 Mn ($379 Mn), reduced Gross NPA from 5.36% (180 DPD) to 1.72% (90 DPD), got the long term credit rating upgraded to AAA. The market cap of the company has increased from Rs. 7.90 billion ($122 Mn) to Rs 64,985 Mn ($1.00 Bn) in June 2017.

He joined ICICI Limited in early 2000 when it was a Domestic Financial Institution (DFI) and the retail businesses he built helped the transition of ICICI from a DFI to a Universal Bank. He built the Retail Banking Business for ICICI Limited since its inception, and grew ICICI Bank to 1400 Bank branches in 800 cities, 25 million customers, a vast CASA and retail deposit base, branch, internet and digital banking, built a retail loan book of over Rs. 1.35 trillion ($20 Bn) in Mortgages, Auto loans, Commercial Vehicles, Credit Cards, Personal Loans. He also built the SME business and managed the Rural Banking Business. These businesses helped the conversion of the institution to a universal bank renowned for retail banking.

He was earlier the MD and CEO of ICICI Prudential Life Insurance Co (2009) and an Executive Director on the Board of ICICI Bank (2006). He was also the Chairman of ICICI Home Finance Co. Ltd (2006), and served on the Board of CIBIL- India’s first Credit Bureau (2005), and SMERA- SIDBI’s Credit Rating Agency(2005). He started his career with Citibank India in 1990 and worked there till 2000 in consumer banking.

During his career, he and his organization have received a large number of domestic and international awards including the prestigious Entrepreneur of the Year Award at APEA 2017, CNBC Asia Innovative company of the year IBLA-2017, Economic Times Most Promising Business Leaders of Asia Asian Business Leaders Conclave 2016, Malaysia, ‘Outstanding Entrepreneur Award’ in Asia Pacific Entrepreneurship Awards 2016, Greatest Corporate Leaders of India- 2014,Business Today – India’s Most Valuable Companies 2016 & 2015, Economic Times 500 India’s Future Ready Companies 2016, Fortune India’s Next 500 Companies 2016, Dun & Bradstreet India’s Top 500 Companies & Corporates 2016 & 2015, “India’s most trusted financial brand – 2016” by WCRC Leaders Asia, “Best Retail bank in Asia 2001”, “Excellence in Retail Banking Award” 2002, “Best Retail Bank in India 2003, 2004, and 2005” from the Asian Banker, “Most Innovative Bank” 2007, “Leaders under 40” from Business Today in 2009, and was nominated “Retail Banker of the Year” by EFMA Europe for 2008. He is an alumnus of Birla Institute of Technology and Harvard Business School and is a regular contributor on Financial and Banking matters in India and international forums.

He is a regular marathoner and has run 23 marathons and half marathons. He lives in Mumbai with his family of father, wife and three children.

Our Current Speakers


Mr. Amit Tripathi has more than 20 years of experience in Financial Services. He has been with RMF for around 14 years and in that time, he has evolved intoa stellar portfolio manager, combining experience across the yield curve, with robust credit evaluation skills.

Amit has been an integral part of RMF’s journey to become one of the largest and most respected fund houses in the country. He has successfully managed various fixed income and hybrid funds which have been recognized for superior performance both nationally and internationally. In his current role as CIO- Fixed Income, he leads a team of 20 highly motivated and experienced fixed income professionals.


Biharilal Deora is an Investment professional with over a 15 years of experience in Credit Research, Strategy and Business Analysis.

He was a Rank holder chartered accountant and have worked at Global firms such as Sutherland, Fidelity, Credit Suisse and Reliance Industries. He has completed his Chartered Accountancy in first attempt with All India Ranks in Both intermediate and Final examinations, has earned his CFA Charter from CFA Institute, USA, has completed his Diploma in Information System Audit from ICAI and also earned his Diploma in IFRS from ACCA, UK. He is also a Certified Financial planner from FPSB India and CIWM Holder from AIWM Switzerland and CIPM holder from CFA Institute. Mr Deora also serves as visiting faculty to various higher education institutes


Mr. J N Gupta is the Founder and Managing Director of Stakeholders Empowerment Services. He is ultimately responsible for all aspects of the firm’s strategy, team and operations. He has over 40 years of diversified professional experience in public and private sector including two terms with securities market regulator (SEBI) in India. In his first stint with SEBI  (1994-96), Mr. Gupta was the Division Chief of Primary and Secondary Market Division. He was the SEBI nominee director on the boards of Pune and Vadodra Stock Exchange.  He re-joined SEBI in July 2009 as Executive Director for a two year term and was in charge of Market Regulations, Surveillance, Derivatives and New Products departments.  He was a member secretary of the  Committee headed by Dr. Bimal Jalan, former Governor, RBI, to review market Infrastructure Institutions. He was also SEBI nominee on IOSCO Standing Committee, member of Steering Committee of CPSS-IOSCO. Mr Gupta is a B Tech (Electrical Engineering.) from IIT Kanpur (1977), CAIIB (1984), and Certified Financial Analyst, ICFAI (1991). He started his career with BHEL and later worked with State Bank of India, Indo Gulf Fertilizers Ltd & Grasim Industries Ltd. He also worked with Kazstroyservice Group, Kazakhstan from 2001 to 2009, as Group CFO.
He is also a member of International Corporate Governance Network (ICGN).

Mr. Gupta is also a member in the following Committees: 1. Capital Markets Committee of CII and ASSOCHAM. 2. Kerala Infrastructure Investment Board (Statutory Body under Govt. of Kerala)- independent Board Member & Executive committee member 3. Secretarial Standard Board – ICSI 4. Chairman of Task Force for Audit/Due Diligence/Compliance of SEBI Laws constituted by ICSI 5. Member of Corporate Governance committee constituted by SEBI


Dr. K. L. Dhingra has assumed office as the Director of National Institute of Bank Management (NIBM), Pune, since May 01, 2017.

He has over thirty five years of rich and diverse experience in the banking and financial sector, overseeing credit, project appraisal, merchant banking, financial services, credit rating,
industrial finance, resource mobilization, World Bank – IBRD/IDA funding, risk management, housing and infrastructure finance. He has also considerable expertise in the area of infrastructure development and revival / rehabilitation of sick / financially stressed PSEs.

Before joining NIBM, He has worked as Chairman and Managing Director of ITI Ltd., the first Public Sector Enterprise in India for over 5 years. Prior to this, He has been the Chairman and
Managing Director of Housing and Urban Development Corporation Ltd (HUDCO), the first Financial Institution for Infrastructure and Housing Finance, for over 2-1/2 years. After  relinquishing the charge of CMD/ITI,  he has been the CEO of National Culture Fund, Ministry of Culture, Govt of India for about 2 years. In his prior positions, he was Director (Finance) of two Central PSEs and also Executive Director of HSIIDC.  He has also been the Vice Chairman of SCOPE (Standing Conference of Public Enterprises) – an apex organization for the public sector in India and also the Chairman of its Finance Committee for 6 years.  During his professional career, he has occupied Board level positions in Central PSEs/Pan India DFI and other private sector organizations, for more than twenty years.

He was associated as a financial expert nominated by the GoI, on ERSO Trust Fund of UN Habitat. In July 2015, he was shortlisted by the Commonwealth Parliamentary Association (CPA), as the India Region candidate for the recruitment to the post of Secretary General, CPA. He was a plenary speaker at the 101stInternational Labour Conference, in Geneva in 2012 alongwith the Labour Minister, Government of India. He participated in the Asia-Pacific Ministerial Conference for Housing and Urban Development (APMCHUD) at Iran, Jordan and India and also the World Urban Forum – 4 at Nanjing alongwith the Minister for Housing  and Urban Poverty Alleviation, Government of India. He was also part of the delegation led by the Chief Minister of Haryana, to Japan, Korea, Singapore and Hong Kong, to attract foreign investors to the State.  He was a member of the committee on “Start-Up Index” set up by the Reserve Bank of India, and various other committees, including Committees on ‘Micro Finance’ and on Áffordable Housing’ constituted by the Government of India.

He has completed his Ph.D. on the topic of ‘Corporate Governance in Central Public Sector Enterprises in India: A Case Study of Selected CPSEs’. He has also Post Graduate Degree in Commerce and also an MBA from FMS, Delhi University. His professional qualifications include LL.B., CAIIB from India and ACIB from the London Institute of Banking and Finance, UK. In addition, he is a Fellow of the Indian Institute of Banking and Finance  and had been conferred with Fellowships of the Chartered Bankers Institute, Scotland, and Financial Services Institute of Australasia (Finsia). He has completed a number of courses with specialisation in banking and finance. He is recipient of various awards/prizes including, Dr. C.D. Datey Prize, J. C. Das Prize, Bank of Baroda Shri N. M. Chokshi Memorial Prize and Khan Bahadur Shaikh MohamedallyAllabux Memorial Prize. He has also attended seminars / training programmes in India, Europe, Singapore, Australia, Korea, Sri Lanka and Sweden, organized by leading domestic and foreign institutions like MDI, ASCI, International Labour Organization, Korea Trade Investment Promotion Agency, National University of Singapore, Siemens AG and DEG, Germany.


Mr. Navneet Munot joined SBI Funds Management as Chief Investment Officer in December 2008. He has over 23 years of rich experience in Financial Markets. In his role, Navneet is responsible for overseeing investments worth over USD 30 billion across various asset classes in mutual fund and segregated accounts.

In his previous assignment, he was the Executive Director & Head – multi –strategy boutique with Morgan Stanley Investment Management.

Prior to joining Morgan Stanley Investment Management, he has worked as Chief Investment Officer – Fixed Income and Hybrid Funds at Birla Sun Life Mutual Fund. Navneet had been associated with the financial services business of the Birla group for over 13 years and worked in various areas such as fixed income, equities and foreign exchange.

Navneet is on the board of Indian association of Investment Professional (India society of CFA charter holders with over 1500 members). He is also co-chair of capital market committee of Indian Merchants Chamber.

Navneet is a postgraduate in Accountancy and Business Statistics and a qualified Chartered Accountant. He is also a Charter Holder of the CFA Institute and CAIA Institute. He has also done FRM.


Mr. Rohit Sawhney, Chief Executive Officer and Managing Director, India Ratings & Research – A Fitch Group Company.

Rohit Sawhney is the Managing Director and CEO at India Ratings and Research (Ind-Ra).

Prior to joining Ind-Ra, Rohit worked for Royal Bank of Scotland in various roles, most recently as Managing Director, Head of Global Transaction Services, Asia Pacific. He has also worked at ABN Amro Bank and ANZ Grindlays Bank.

Rohit holds a B.A. (Honours) Economics and a M.A. Economics from The University of Delhi, India.


Ananth Narayan</strong> has over 23 years of experience in the banking industry.

He holds a B.Tech (Electrical Engineering) from The Indian Institute of Technology (IIT) Bombay and a MBA from The Indian Institute of Management (IIM) Lucknow.

He joined Standard Chartered Bank in August 2009 as Head of FXRC Trading, South Asia.

He was the Head of Financial Markets, South Asia from March 2012 to September 2015.

He is the Regional Head of Financial Markets, ASEAN & South Asia since 01st October 2015.

As Regional Head of Financial Markets, he has responsibility for business strategy, performance and people for Financial Markets across ASEAN and South Asia.

Prior to Standard Chartered Bank he was with Citibank in Mumbai till 2005 (Director & Head of FICC Trading), and with Deutsche Bank in Mumbai (Head of Rates Sales & Trading, South Asia – till August 2009)

Ananth is the Chairman of the board of Standard Chartered Nepal Ltd.

He serves as Vice Chairman on the board of Fixed Income Money Market and Dealers Association (FIMMDA) and Foreign Exchange Dealers Association of India (FEDAI).

He is also on the board of Central Depository Services Ltd (CDSL)

Ananth has been a part of various RBI committees (including the one that launched FX Options in India, Interest Rate Futures, Financial Stability, FinancialBenchmarks etc).

He appears in print and television media for views onfinancial markets.

He is passionate about learning, ethics & integrity, people, collaboration, and innovation


Mr.Bhaskar Niyogi graduated from Presidency College, Kolkata with Economics. He completed his Masters in Economics from University of Kolkata in 1975.after a brief stint as a lecturer in Economics and as Probationary Officer in Bank of Baroda. He moved on to State Bank Of India as a Probationary Officer in 1977. He is a Certified Associate of Indian Institute of Bankers with a Certificate in General Management from IIM Kolkata.

He retired as Chief General Manager in August 2012 from State Bank of India’s Credit Policy and Procedures Department, having been responsible for bringing in qualitative changes in policies with special emphasis on capital conservation and updating the credit manual. He has since taken up assignment with RBL Bank Ltd as a Consultant Risk with the overall responsibility of monitoring the banks’ portfolio risk architecture, policies and procedures.

Having spent almost 35 years in State Bank of India, he has been exposed to almost all aspects of banking both in India and abroad ranging from credit(both large and small), business development, technology driven processes ,Hr and vigilance .He has handled banking challenges and related areas besides providing leadership and developing vibrant teams.


Mr. Karnam Sekar is the Dy. Managing Director & Chief Credit Officer in the Bank, heading the Highest Credit Committee in the Bank. He is also responsible for formulating loan policy of the Bank. Mr. Sekar joined the State Bank of India as Probationary officer on 9th December, 1983. His experience in SBI has been in Credit & Branch Operations. He worked in various geographies including the North Eastern part of the Country. His earlier assignments include, the Branch Manager of the Corporate Accounts Group Branch, Mumbai (which was the largest Branch in the Bank in terms of the volume of business), and Manager (Treasury) at SBI Johannesburg, South Africa. His last assignment was as the Chief General Manager in Lucknow Circle which has more than 1600 Branches, and more than 16000 employees.


Mr Mehul Pandya is the Executive Director with CARE Ratings, India. His domain is corporate ratings, infrastructure sector ratings, sub-sovereign ratings, SME ratings and grading products. As the Head of CARE’s business in India and abroad, he is responsible for providing tactical impetus to CARE’s operations. He also looks after the strategic initiatives of CARE. He is also a member of the Board of Directors of all subsidiaries of CARE.

Born on September 5, 1972, he is a technocrat with management background and also a CFA charterholder from CFA Institute, USA. Having joined CARE in the year 2000, he has close to 17 years’ direct experience in the rating industry. Prior to joining CARE, he worked with a state level financial institution in the State of Gujarat in India for about four years and was instrumental in establishing an in-house credit rating cell for the screening of lending proposals. As such, he has a domain experience of nearly 21 years.

He has worked as a Consultant for the Asian Development Bank (ADB) for a Country Study in 2010. He has also conducted various training programmes pertaining to Credit Risk Analysis in India as well as abroad. He has been a Faculty at various forums, including the South Asian Regional Forum organised by ADB.

He was the Coordinator as well as a Faculty for the Training Workshop on “Credit Risk Assessment and Funding Alternatives for MSMEs” organised by Association of Credit Rating Agencies in Asia (ACRAA) in India in 2013. He was the Key Speaker and Faculty for the Training Workshop on “Enterprise wide Risk Management” organised by ACRAA in 2016.


Prof. Sunder Ram Korivi is the Dean of School for Securities Education(SSE) and School for Securities Information and Research (SSIR). Prof. Korivi is an MA (Economics and Political Science) and PhD from the University of Mumbai. He is a Fellow of the Institute of Chartered Accountants of India. He is also an Associate Member of the Institute of Cost & Management Accountants of India and the Insurance Institute of India. Prof. Korivi was a full-time faculty member at SP Jain Institute of Management, and later, a Professor and Dean at NMIMS University. He has conducted policy-oriented research for the Central and State Governments. An adjunct faculty at IIM Kozhikode, he has also lectured at IIT Bombay, NIBM, NIA, NITIE, BSE and other institutes. He has guided two PhDs, and also refereed PhD studies of several universities all over India. He has prior work experience with Business India as a Corporate Researcher, Tata Industrial Finance Corporation as a Merchant Banker.


Rajeev Mohta  has been with Bloomberg for over a decade where he started in the Sales department managing their Key accounts and went on to become a Market Specialist for Fixed Income. In his current role he Heads the Market Specialist Team looking after South Asia region.

Prior to joining Bloomberg, he was a Fixed Income broker with firms like JM Morgan Stanley and Tower Capital.

Mr Mohta is a Science graduate from Kolkata University.


Gurpreet Chhatwal  leads CRISIL Ratings’ large- and mid- corporate rating businesses. He is responsible for formulating business strategies, managing client relationships and enhancing CRISIL’s franchise through thought leadership and outreach. He is also responsible for spearheading the innovation agenda at CRISIL while continuing to focus on raising the rating standards at an industry level.

Prior to this, Gurpreet led the Risk and Analytics (R&A) practice globally for CRISIL Global Research and Analytics (GR&A) with clients across investment banks, retail and commercial banks, insurance companies and asset management firms. He was instrumental in setting up and growing the Risk business that provides risk modelling, model validation, stress testing and regulatory support to clients.

Gurpreet has held various positions with CRISIL’s ratings business and has played a key role in its growth over the years. He joined CRISIL as an analyst in the ratings division and led many important rating assignments and also managed key stakeholder relationships over the years. Before moving to R&A, Gurpreet headed the Bank Loan Ratings (BLR) business – he was part of the initial team that set up CRISIL’s BLR business and reached a milestone of over 10,000 outstanding ratings by April 2012.

Gurpreet has also been a part of CRISIL’s Global Analytical Centre and worked with S&P Global, New York.

Gurpreet joined CRISIL in 1999 and has gained exposure across various sectors in the US and India and also has experience in setting up and managing large teams.

Gurpreet holds a postgraduate diploma in management from the Indian Institute of Management, Lucknow, and an engineering degree from PEC University of Technology, Chandigarh.


Yousuf Syed

Head – International DCM & Investor Relations

Treasury & Markets

 Mr. Yousuf Syed is a banker with over 15 years of experience, primarily in  financial markets. Mr. Syed has worked across the almost all area’s of financial markets business including sales, structuring, trading, capital markets, resource raising, coverage and both onshore and offshore markets.

He joined Axis Bank in 2010 and worked in Financial Institutions Coverage, Team. He subsequently moved from coverage role to setting up a dedicated Fixed Income Investor relationship team.

Since 2015, he has been leading the Bank’s initiatives in the international capital markets and was responsible for incubating and building its offshore debt capital markets franchise – his team has lead several marquee transactions including the first ever Masala Bond from India for HDFC Limited and the first ever Green Masala Bond for NTPC.

Before joining Axis Bank, Mr. Syed has spent a total of 12 years with ING and IDBI Bank across Fixed Income and Foreign Exchange Sales, Structuring and Trading Functions.

He was the Head of Financial Institution Sales and Derivatives structuring at ING from 2007 to 2010. In this role he was responsible for offering innovative solutions to meet client hedging, cost reduction and other risk management needs. During his time at the bank he worked on building the banks capability to enable it to deliver complex products to.

In IDBI Bank, he was the regional head of Treasury Sales, South India from 2002 until 2005 and was instrumental in building one of the largest and leading Treasury sales franchise in India at the time.

Mr. Syed is an accomplished footballer and has played at University, State and National levels. He was the Captain of Kerala Youth Team, Vice- Captain of Calicut University football team that won the National championships.


P R Ramesh is a partner in Deloitte Haskins & Sells LLP with over 37 years of experience in the profession and is a Fellow Member of the Institute of Chartered Accountants of India (ICAI).

He has also been associated with various Regulatory bodies, Industry Bodies and the Institute of Chartered Accountants of India which are as follows:

Regulatory Bodies:

  • Member of SEBI Committee on Disclosures and Accounting Standards (SCODA);
  • Member of Working Group set up by the Reserve Bank of India for implementation of Ind AS by banks in India
  • Special invitee to National Advisory Committee on Accounting Standards (NACAS)
  • Invitee to the committee set up by the Reserve Bank of India to assist in convergence to IFRS by banks;
  • Member of the Technical Committee to review the form and presentation of the Balance Sheet of the Reserve Bank of India;
  • Member of Insurance Regulatory and Development Authority (IRDA) Standing Committee on Accounting Issues;
  • Member of the Working Group on “Harmonizing IRDA Corporate Governance Guidelines and Disclosures with the New Companies Act, 2013
  • Was a member of the Committee for Reforming the Regulatory Environment for doing Business in India set up by Government of India;

Industry Bodies:

  • In the Confederation of Indian Industries (CII), he is:
    • Member of National Committee on Capital Markets
    • Member of Economic Growth and Investments Council
    • Member of National Council on Corporate Governance;
    • Member of National Committee on Regulatory Affairs;
    • Member of Committee on Financial Reporting; and
    • Member of National Committee for CFO
    • Invitee to the National Council
  • President of the Bombay Chamber of Commerce & Industry.

Member of the Governing Board of the Council of EU Chambers of Commerce in India

Professional Bodies:

  • Formerly member of the Accounting Standards Board of the ICAI;
  • VP at Large position representing the International Association for Accounting Education and Research Foundation (IAAER);
  • Past member of the Vision and Restructuring Committee set up by ICAI;
  • Past member of the Auditing Practices Committee of the Institute of Chartered Accountants of India
  • Past member of the Secretarial Standards Boards constituted by the Institute of Company Secretaries of India.

He has lectured extensively in India (including in programmes and workshops conducted by the Institute of Chartered Accountants of India (ICAI), the Reserve Bank of India, the Confederation of Indian Industries) and abroad on a variety of subjects including auditing and accounting subjects.


Vidhu Shekhar
Country Head, India
CFA Institute

Vidhu Shekhar, CFA, is the country head of CFA Institute in India. He is responsible for advancing CFA Institute’s mission and supporting CFA charterholders in India.

Mr. Shekhar is a seasoned financial and investment professional with over 30 years of industry experience in India and abroad. Previously, he was vice president, New Products and Business Excellence at National Stock Exchange (NSE) of India, overseeing new product initiatives in debt and equity markets for the exchange. He also contributed to the development of Indian financial markets through his participation in the work of various committees including the Dr. Patil Committee on Corporate Bonds and Securitization, and the Raghuram Rajan Committee on Financial Sector Reforms. Prior to that, Mr. Shekhar served as senior vice president at IDBI Capital Markets and managing director at E*Trade Systems India Limited.

Mr. Shekhar completed his postgraduate diploma in management from the Indian Institute of Management, Ahmedabad in 1987 and bachelor’s degree in physics (Honours) from the University of Delhi.


Malcom Athaide- Chief Risk Control Officer: Business Banking, Retail Banking and Rural Banking at Yes Bank Ltd

Malcom Athaide has over 20 years of experience in Retail Assets, SME lending and Rural Banking and drives Risk Policy, Analytics, Fraud Control in Yes Bank. He is currently working in the Digital space to enhance front end decisioning with paperless banking.

Malcom is an Engineer, MBA and PhD in SME Finance; and has presented research papers in Analytics, Lending strategies to SME & Inclusive Financial Lending in International Conferences


Subhash Modi 

Professional Profile

A senior Banking professional with an experience of more than 35 years in Corporate Credit, Project Finance, and SME financing; having handled verticals like Credit Monitoring and Corporate Debt Restructuring at the apex level in one of the top 5 nationalized Banks. Have led the teams overseeing business development and relationship management in large corporate branches of the Bank. Have been part of the core team implementing massive organizational restructuring.

Executive Summary

Mature, experienced and Qualified techno-finance professional (BE-Mechanical Engg., PGDFM, PGDIM, and CAIIB) with over 38 years of experience in Industry and Bank.

  • Shop floor experience in Production Engineering in one of the then top notch passenger car manufacturer.

  • Experience in development of large loan portfolio, credit and risk management, restructuring, debt syndication, and business development.

  • Rich experience of evaluation and techno-economic appraisal of large projects from all the industrial and service segments.
  • Expertise across all industry sectors (all major sectors including Infrastructure, Real Estate, NBFC etc.) and all corporate segments. (Large corporate, mid-corporate and SME)

  • Regulatory reporting (credit related) and interface with regulatory bodies and Government departments; reporting to MD & CEO and various committees of the Board. (credit, audit)

  • Handling Central Statutory Audit, Internal Management Audit etc.



Abhay Gupte,  Sr. Partner, Risk Advisory Services

Abhay Gupte with 23 years of advisory, auditing and consulting experience leading teams in a professional, diverse, multi-cultural environment, is an expert in various fields.

After serving clients in various capacities for a decade till 1995, he then led the Risk Advisory, formerly called Enterprise Risk services (ERS) practice in India. He has spearheaded the practice and has enabled its growth from a 2 member team to over 200 professionals offering financial risk, cyber risk, information security, control assurance and enterprise risk management including corporate governance advisory services. By way of various engagements led by Risk Advisory, he has leveraged deep experience with analytic and correlation technologies to help clients implement intelligent business solutions and develop monitoring capabilities focused on critical business processes.

Abhay is a leading risk management expert in various industries viz. Automobiles, TMT and BFSI. He has served India’s largest organizations, financial conglomerates including regulators. As an expert in IT risk he was appointed as a member of RBI’s working group on information security, electronic banking, technology risk management and cyber frauds.


Mr. Anjan Deb Ghosh serves as Chief Rating Officer and Executive Vice-President of ICRA Limited and served as its Senior Group Vice President. Mr. Ghosh served as Senior Vice-President of ICRA Limited.

Mr. Ghosh served as Senior Vice President and General Manager of Mumbai branch of ICRA Limited.

Mr. Ghosh was responsible for ratings in the energy sector (including power, oil and gas) and also for conceptualizing and launch of corporate governance ratings product. He has an aggregate work experience of 17 years out of which he has been associated with the ICRA for a period of 13 years. Mr. Ghosh joined ICRA on November 1, 1993 but left it on July 31, 2000 and then he rejoined ICRA on August 14, 2000. He served as Deputy Manager of Tata Steel Limited and has also served on deputation at the London office of Moody’s Investors Service. Mr. Ghosh holds a bachelor’s degree in technology specializing in mechanical engineering from Indian Institute of Technology, Kharagpur and a Post Graduate Diploma in Management from Indian Institute of Management, Kolkata.


Mr. Sandip Ghose is the Director of the National Institute of Securities Markets (NISM), an educational initiative of the Securities and Exchange Board of India (SEBI). He provides strategic leadership to NISM’s seven School of Excellence engaged in Securities Education, Research, Certification of Market Intermediary, Corporate Governance, Investor Education and Financial Literacy. He also oversees the School of Regulatory and Supervisory studies which acts as a staff college for SEBI officers.

Prior to taking over as Director of NISM, Mr. Ghose was Head of Human Resources in the Reserve Bank of India (RBI). A central banker by profession, Mr. Ghose was Chief of Staff and Advisor to three successive RBI Governors - Dr. C. Rangarajan, Dr. Bimal Jalan, and Dr. Y.V. Reddy - over a period of nine years, i.e. 1996-2004. He was also the Principal, Bankers' Training College, Mumbai, between 2004-2007 where he was responsible for grooming and capacity building of the top management of the commercial banks in India. He has also served as Principal of College of Agricultural Banking, Pune and Regional Director of the RBI, Delhi.

His knowledge of job markets and work place effectiveness, coupled with his experience both within the country and abroad, provide a comprehensive perspective to institutions in formulating policies on training, performance and talent management.

During his career, Mr. Ghose has received several prestigious awards including an Honorary Doctoral Degree by the Sikkim University.

Mr. Ghose is Member on the boards of national and international training institutions and business schools.


Mr Gandhi is currently a Deputy Governor of the Reserve Bank of India, the central bank of the country. His current responsibilities in the Reserve Bank include leading and overall direction and oversight on banking regulation, regulation and supervision of non-banking finance companies and urban coop banks, and risk management of the Bank.

Having joined the Reserve Bank of India in 1980, he has built, over these thirty four years, expertise and experience in varied fields which include, beside the payment systems and the information technology areas, financial market (money, securities, forex and capital market) operations and regulation, currency operations and management, personnel and human resources management, industrial credit and international banking. He had a three year secondment to the Securities and Exchange Board of India (SEBI), the capital market regulator of the country.

He had been the regional head in two places. He also held the charge of Director of the Institute for Development and Research in Banking Technology (IDRBT), Hyderabad. He was the Executive Assistant to the Governor of the Reserve Bank of India for three years. He also was a Reserve Bank nominee on the Board of Directors of four public sector banks (at different points in time) for five years. He has been associated with various committees, working groups and task forces.

He has been educated in India and abroad. He has a master’s degree in Economics from the Annamalai University, in Tamil Nadu, India. He also has post graduate level certificates in Management Information System from The American University, Washington DC, USA and in Capital Market from the City University of New York, New York, USA. He has also taken special courses on Mathematical Economics, Econometrics, Development Banking and International Economics from The American University and the George Washington University, Washington DC, USA.

His technical education includes a certificate course in System Programming from the IBM Education, Sydney, Australia and courses in ORACLE, Assembly Language, Networking etc. He also has a certificate in Gandhian Thoughts from the Madurai University, Tamil Nadu, India.

He was born in 1956.


Mr Amit Tripathi has more than 14 years experience in Financial Services. At the age of twenty-eight, he became one of the youngest debt Fund Manager at Reliance Capital Asset Management Ltd. He has been with RMF for around 10 years and in that time, he has evolved into a stellar portfolio manager, combining great experience in fund management, with unique and robust credit evaluation skills.

Amit has been an integral part of RMF's journey to become one of the largest and most respected fund houses in the country. He has been one of the main pillars of our successful fixed income team and has played a key role in navigating the funds through tough and volatile times. He has successfully managed various fixed income and hybrid funds which have been recognized for superior performance both nationally and internationally.

As a key member of the Debt Investment team, he has been interacting closely within the team and with other functions such as compliance, risk, sales and product. He has also engaged extensively with key clients, distributors and the regulators through this period.

His elevation to the role of CIO - Fixed Income, at RMF, is but a natural progression in his successful career. His experience of managing diverse products and stakeholders in a dynamic market environment and an evolving regulatory framework, will hold him in good stead over the long run. We are sure, that his skills and temperament, along with the whole hearted support of the entire fixed income team, will enable our fixed income schemes to scale greater heights in the coming years

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