Banking’s Biggest Opportunity: Smarter Risk, Faster Growth

Q1. Could you start by giving us a brief overview of your professional background, particularly focusing on your expertise in the industry?

I’ve spent the better part of three decades in banking—across India, Singapore, London, and other financial centres. My longest stint was with Deutsche Bank, where I was Group COO for India and at one point Interim CEO. That meant leading not just a large balance sheet and client franchise, but also a global capability centre that became one of the bank’s largest worldwide. My work spanned corporate and investment banking, operations, technology, and of course risk management—the common thread being how you build resilient, scalable platforms in highly regulated environments.
Today, I work with boards, founders, and financial institutions to help them balance two seemingly conflicting goals: keeping risk under control while still moving fast enough to capture opportunities.

Q2. What emerging technologies or trends do you foresee disrupting corporate banking risk management over the next 3-5 years?

If I look ahead, three shifts stand out.

First, artificial intelligence—especially explainable AI—will move us from sample-based monitoring to continuous surveillance. Imagine going from checking one container at customs to scanning every single one without slowing down trade. That’s the…