Gourishankar Das

About Gourishankar Das

Risk Professional with over 19 years work experience in credit underwriting, portfolio risk and process management of Secured and Unsecured Lending function under all operational framework of Retail, SME & Corporate Finance in major multinational banks & NBFC in India starting from Can Fin Homes, ICICI bank, Standard Chartered Bank, ABN Amro, ING Vysya Bank, Indiabulls and Religare Finvest.Currently with IndusInd Bank as National Credit Head - Unsecured SME lending - BIL and Loan Against Card Receivables. In-depth understanding of Credit Risk Management of various lending products – SME/Commercial Credit, Trade Finance, Corporate Finance, Retail Lending – Mortgages, Personal Loans Overdrafts and Private Banking lending against Financial Assets & High Value Real Estate financing. User application analytical skills for development of Risk Monitoring and Lending Product system tools. Developmental skills for preparation and review of Credit Policy/Process/Systems for Private Banking Credit activities including Real Estate Financing. Adequate knowledge of RBI Regulations and Legal framework for Lending under the Bank and NBFC platform in India. Proven skills in managing credit administration processes and teams to ensure productivity and growth of business and also motivating them for achieving individual and organizational goals. Extensive background in complex and challenging environments with proven ability of relationship management to represent the company/business unit to internal and external clients, strategic Vendor partners, Auditors and Regulatory authorities. An effective communicator and result oriented professional with good interpersonal and relationship management skills. Key exposure areas for delivery of responsibilities of Credit Underwriting, Process Management, Portfolio Management, Policy Formulation and Research of following functions: SME & Commercial Lending Corporate Finance Mortgages Retail Lending EDI funding

Experience

1. Head of Credit

   Axis Bank

   Jan 2023 — Present

Education

• Institute of Cost and Works Accountants of India - ICWAI

  ICWA

• DeSouza's School

  ICSE

  1978 — 1988

• Sambalpur University

  Bachelor of Science (B.Sc.)

  1990 — 1993