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Principal Product Manager with 10+ years in Credit Risk Management & Financial Analysis
Credit and Risk Management professional with over 12 years of experience in wholesale credit underwriting (Corporate & SME), portfolio oversight, and risk governance across HSBC, HDFC Bank, and South Indian Bank. Demonstrated expertise in structuring and approving exposures (upto USD 100 million), managing multi-billion-dollar portfolios, improving loan book quality, managing cross-border stakeholders, delivering actionable insights to senior management and leading cross-functional initiatives in risk transformation and process automation. Strong understanding of credit lifecycle controls, and regulatory expectations across APAC markets. Holds certifications in AML, Cyber Crime and Fraud Management relevant to the global financial sector. Seeking regional opportunities in Credit Risk Management roles where strategic risk insight and analytical depth are valued.
ICFAI Business School
PGPM · Finance
August 1, 2013 – June 30, 2013
Scottish Church College, Calcutta University
BBA (Honours)
August 1, 2009 – June 30, 2009
HSBC
Manager & Assistant Vice President
January 1, 2020 – Present
Kolkata, West Bengal, India
HDFC Bank Ltd
Credit Risk Manager
September 1, 2018 – December 1, 2019
Kolkata, West Bengal, India
South Indian Bank Ltd.
Assistant Manager
June 1, 2013 – July 1, 2018
Pune, Maharashtra, India
Cushman & Wakefield India Pvt. Ltd.
Internship
January 1, 2012 – December 31, 2012
Hyderābād, Telangana, India
Sawaria Khaitan & Associates
Articleship
January 1, 2007 – December 31, 2010
Kolkata, West Bengal, India
Certified Associate of Indian Institute of Banking (CAIIB)
Indian Institute of banking & finance (IIBF)
June 1, 2026 – Present
Certification in Anti Money laundering
Indian Institute of banking & finance (IIBF)
June 1, 2026 – Present
Certification in Prevention of Cyber Crime and Fraud Management
Indian Institute of banking & finance (IIBF)
June 1, 2026 – Present
Certification in Banking Codes and Standard & Customer Service
Indian Institute of banking & finance (IIBF)
June 1, 2026 – Present
Cultural Fit Analysis
The candidate has a strong background in traditional banking and finance, with extensive experience in credit risk management. While their resume mentions 'AI Tools' in the context of process digitization, there is no explicit experience or projects related to product management, AI strategy, or leading AI product development. The target role of 'Principal Product Manager AI' requires a significant shift in focus from risk management to product strategy, technical understanding of AI/ML, and market-facing product leadership. The current profile suggests a strong fit for risk management roles, but a limited direct fit for an AI Product Manager role without further evidence of AI product development or strategic experience.
Soft Skills & Operational Fit
The candidate demonstrates strong leadership and mentoring skills, as evidenced by their role in developing an employee fungibility program and mentoring new credit managers. Their experience in collaborating with business stakeholders and co-leading compliance exercises indicates good teamwork and adherence to operational standards. The ability to implement workflow enhancements suggests a proactive approach to improving efficiency.