Anantharaman S

With over 34 years of extensive experience in the banking sector, I am a seasoned professional adept in risk management practices. My career spans key roles including Group Chief Risk Officer at Jio Financial Services Ltd., Chief Risk Officer at Bank of Baroda, and leadership positions at HDFC Bank as Group Head and L&T Financial Services as Group CRO and Group Head Compliance.I bring a robust blend of theoretical knowledge and practical expertise, specializing in credit risk, market risk, and operational risk management. Throughout my career, I have been instrumental in enhancing organizational performance and have played a pivotal role as a core member of senior management teams. My skills in fostering effective relationships enable me to strengthen coordination among the first, second, and third lines of defense, thereby significantly improving risk management practices. My comprehensive experience encompasses diverse sectors within the Indian banking landscape, having managed risk across retail and corporate banking segments which include mortgages loans, retail loans - PL, AL, Tractor Loans, Education Loans, micro loans and corporate credits.Known for my strategic insights and proficiency in credit underwriting, I have successfully navigated complex credit negotiations and settlements, underscoring my ability to deliver tangible results in challenging environments.