Tech and ESG Redefine Credit Risk in India

Q1. Could you begin by providing a brief overview of your professional background, specifically highlighting your expertise in the industry?

I am a mechanical engineer with a Diploma in Infrastructure Finance from IIT Madras and over 18 years of experience in the field of Banking, corporate, renewable energy, etc. Started banking career in an office with Andhra Bank, a Public Sector Bank, and worked with other organizations like Kotak Mahindra Bank, Central Bank of India, Axis Bank, HDFC Bank, Tata Capital Limited, Chemtrols Solar, and currently serve as Vice President – Credit & Risk at Alt Mobility, a leasing company specializing in electric vehicle finance backed by Shell International.

During my tenure, I have worked in various fields from retail loans to large corporate loans, especially in Infrastructure finance (Renewable energy, Steel) as a Credit analyst. Besides traditional banking, I have worked with Tata Capital Limited in the leasing department and was instrumental in setting up leasing sustainable finance.

My work experience is supported by professional qualifications, including CAIIB (IIBF), Certified Credit Analyst, Insolvency Professional (IBBI), MBA (Risk & Credit), Certified Forensic Accounting and Fraud Examiner, Chartered Engineer, and approved Independent Valuer—Immovable Property.
Expertise in Credit & Risk evaluation, renewable…