Samith Rkrishnan
SVP Analytics • Retail Banking • Digital Banking Transformation • Risk Analytics • Financial Analytics • Data‑driven Leadership.
- Role
- Analytics Head - Bharat Bank & Deposit and Investment Products at Axis Bank
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Samith Rkrishnan
Strategic banking leader with ~20 years in two of India’s top private banks. Brings deep 2×2 expertise—across Retail Lending, Retail Banking, Payments, SME, Rural, and Corporate Banking, and in Credit Risk, Collections Strategy, and Operational Risk (Fraud, AML, Cybersecurity, People Risk). Proven success leading Product, Marketing Strategy, and Operations.Core StrengthsIntegrated Risk & Business LeadershipOrchestrated end-to-end risk and business strategies across Retail, SME, and Corporate segments with a technology‑ and data‑first mindset.Portfolio & RoRaC OptimizationDesigned and executed portfolio plans that maximize return on risk‑adjusted capital at target expected‑loss thresholds.Holistic Acquisition & Lifecycle ManagementBuilt frameworks for acquiring new and deepening relationships with existing customers, including credit‑line management and marketing campaigns.Tech‑Enabled ExecutionLed the deployment of data-driven, digitized processes for customer onboarding, cross-sell, and journey orchestration using analytics and automation.Real-Time Fraud & AML InterventionsSpearheaded the implementation of Big Data-powered real-time fraud detection, AML monitoring, and transactional interventions.Key AchievementsAdvanced Decisioning & Analytics Integration - Introduced predictive models that reduced NPAs, optimized collections, and enabled proactive risk mitigationDeveloped data-driven systems for fraud monitoring, cybersecurity, and AML compliance—aligning with best practices in enterprise risk managementDeveloped data-driven systems to serve personalised nudges to Siddhi Platform - which allow better Customer- RM engagement. This can serve well for the most important and wealthy CustomersTeam & Capability Building - Scaled teams across junior to leadership levels via campus and lateral hiring, fostering end-to-end digital and risk capability.Big Data Platform Adoption - Architected and implemented adoption of Big Data environments (Hadoop, Spark, streaming) to support real-time decisioning, fraud management, and AML.
Experience
Analytics Head - Bharat Bank & Deposit and Investment Products
Apr 2021 — Present · Mumbai, IN
Education
Indian Institute of Management, Calcutta
Executive Program in Business Management, General Management
2008 — 2009
The Institute of Chartered Accountants of India
Masters Degree - Associate CA, Financial Management & Information technology
1999 — 2002
Global Association of Risk Professionals (GARP)
FRM, Risk Management
2012 — 2013
University of Mumbai
Graduate, Business/Managerial Economics
1996 — 2001
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