Bhawani Shankar
Director - Risk Consulting, Financial Services, EY || Ex - ICICI Bank || Ex - Axis Bank || Ex-HDFC Bank
- Role
- Director - Risk Consulting at EY
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Bhawani Shankar
I am a Credit Risk & Policy leader with ~19 years of experience across ICICI Bank, Axis Bank and HDFC Bank, specializing in MSME and Retail lending across secured and unsecured portfolios. My work has largely focused on strengthening underwriting frameworks, governing portfolio risk, and building scalable credit processes that support sustainable lending growth.Over the course of my career, I have held leadership roles spanning credit underwriting, policy design, portfolio risk management, and centralized credit operations, with exposure to both regional portfolio leadership and enterprise-level credit governance.I have led PAN-India underwriting for high-value MSME proposals, headed Business Banking credit policy, and managed zonal credit portfolios across multiple states, consistently balancing growth objectives with disciplined credit risk management.My work has involved building and strengthening core credit capabilities across banks, including:• Designing robust credit policy frameworks and underwriting standards• Implementing analytics-driven portfolio monitoring and Early Warning Systems• Centralizing underwriting operations to improve governance and reduce turnaround time• Enabling digital lending and automation initiatives across credit processes• Leveraging data and scorecards to enhance credit decisioning and risk calibrationIn my current role, I advise banks and NBFCs on credit frameworks, underwriting models, portfolio surveillance, and lending transformations, helping institutions scale lending operations while maintaining strong risk discipline.I have worked across a broad range of lending products including MSME lending, Commercial Vehicles, Construction Equipment, Healthcare Finance, Business Banking, Channel Finance, Merchant Finance, Government-sponsored programs and Mortgages, providing a holistic perspective on credit risk across retail and MSME segments.I remain deeply interested in advancing modern credit risk practices that combine strong underwriting fundamentals with data, analytics, and digital capabilities to build resilient lending portfolios.
Experience
Director - Risk Consulting
Dec 2024 — Present · Mumbai, IN
Education
XLRI - VIL Programs
Executive Program in Business Analytics for Managers, Artificial Intelligence
K J Somaiya Institute of Management Studies and Research
Post Graduate - Full Time
2005 — 2007
St. Xavier's College
BSc.(Honours), Mathematics
2001 — 2004
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