Sai Bose
Head of Credit & Risk, APAC
- Role
- Senior Director at Fiserv
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Sai Bose
With over 18 years of experience in the realm of Credit/Risk Management, Corporate Banking, and Merchant Acquiring, I have developed a profound proficiency in Credit Appraisal, Financial Analysis, and the development and implementation of Fraud Rules, Monitoring Systems, Analytics, and Credit/Risk Policies. Currently serving as the Director (Credit & Risk) & APAC Centre of Excellence at Fiserv India, my journey has been marked by the establishment and expansion of the COE, enhancing operations across key markets including India, Australia, Singapore, Malaysia, and Hong Kong.My leadership has directly contributed to significant cost rationalizations, achieving a 20%+ year-over-year reduction in operational expenses in 2022. By spearheading the advanced development of the fraud risk monitoring platform, Vigilance, I facilitated real-time transaction surveillance, resulting in the lowest loss rates across all operational markets. My commitment to innovation led to the successful pilot and deployment of auto underwriting and real-time risk monitoring systems, significantly enhancing efficiency and integration within Fiserv’s global operations.Acknowledged for leading Fiserv’s transition to fully digital merchant boarding and credit underwriting processes, I have been instrumental in automating the credit underwriting process, thereby reducing merchant onboarding times and supporting a same-day installation strategy. My role extends to the creation and periodic review of Credit and Risk policies, ensuring alignment with business objectives while maintaining loss rates below projected levels. I am passionate about leveraging my expertise to drive further innovation and operational excellence within the credit and risk management domain, aiming to contribute to the success and growth of my organization and the wider financial industry.
Experience
Senior Director
Aug 2024 — Present · Mumbai, IN
Education
Sri Sathya Sai Institute of Higher Learning
Master of Business Administration , Finance
2005
Bangalore University
Bachelor of Commerce
2003
Skills
- Relationship Management
- Wholesale Banking Operations
- Credit Analysis
- Banking
- Team Management
- Credit
- Commercial Banking
- Business Analysis
- Risk Management
- Financial Analysis
- Credit Risk
- Trade Finance
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