MAHESH RAJARAMAN

More than 30 yearsleadership experience in Risk Management across Consumer Banking & Payment Domains with specialization in Credit Underwriting (Unsecured assets & Payments , Policy ( Retail, Agri and SME) , Collections ( Consumer assets & Payments ), Fraud Risk Management (Assets, Payments & Liability products , AML ( Anti Money Laundering, Operation Risk , ERM and Cyber Risk Worked in reputed organizations like ANZ Grindlays, SCB, HSBC, HDFC BANK YES BANK, City Union Bank & now with Mahindra & Mahindra Financial Services. Experience in handling teams of more than 350. In 29 years of my career was blessed with the opportunity in setting up a) Fraud risk management in ANZ, HDFC Bank b) Devise Collection strategies in ANZ/HSBC for Asset products & create teams for execution c) Underwriting for Unsecured products like Personal loans /Credit cards in HDFC Bank d) Building large quality Retail and SME portfolios across Retail Assets, Payments ,Agri and Credit Cards in YES BANK . e) An astute professional in financial crime domain. Had experience to witness more than 3 economic downturns. Had the opportunity to be a) Member of RBI committee for evaluation of implementation of AADHAR as a second factor authentication for card present transactions b) Member of IBA sub committee for transparency of interest and other charges for payment products c) )Adviser for India in Advisory board of VISA International of Merchant Acquiring d) Representation in various meetings pertaining to Finance Ministry for penetration of card payments in India. I was the a) Chairman for PIF (Prepaid International Forums) India Chapter. b) Vice Chairman of India Payment Card Risk Council, India for year 2004. c) Chairman of India Payment Card Risk Payment Council, India for year 2005 and played a pivotal role in shaping the risk and business landscape of payment business in the country Internationally , I am in the Advisory Board of MasterCard Global Fraud Advisory Council (GFAC) and Member of Advisory Board of MasterCard APAC Advisory Council( South Asia and Middle East Africa Regions) helping to shape the security strategy. Had the opportunity to manage the product and portfolio responsibility for all Payment products ( Credit, Debit, Forex, Prepaid, Merchant Acquiring, Ecommerce ,Commercial cards ) for span of 3 years on a scale of 20,000 crore book size with strong and resilient P& l.. Worked with NPCI to enable Diners acceptance in India for HDFC Bank. Create self driven leadership teams to work with a solution oriented approach.