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Kamesh Tiwari

@kameshtiwari

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I’m a GARP FRM AVP specializing in quantitative credit risk, portfolio monitoring, and regulatory compliance.

India

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What I'm looking for

I want a role where I can drive quantitative credit risk assessment (IRR), portfolio risk monitoring, ALM, and regulatory compliance, and turn risk MIS into clear recommendations for senior management and board-level decisions.

I’m a GARP certified Financial Risk Manager (FRM) with 7.5+ years of experience in credit risk, portfolio monitoring, regulatory compliance, and ALM across NBFC and commercial banking environments. I lead quantitative credit risk assessment and Internal Risk Rating (IRR) exercises, evaluate borrower creditworthiness and concentration risks, and translate complex risk data into actionable insights for senior management and board-level decisions.

At Tourism Finance Corporation of India (TFCI), I conduct IRR and risk-based portfolio monitoring, identify early warning indicators, manage credit audits, and ensure RBI compliance with structured CIC reporting. Previously at Punjab National Bank (PNB), I supported credit sanctioning for high-value corporate exposures using financial statement analysis, cash-flow assessment, and RAROC, while driving risk MIS and delinquency trend analysis to inform portfolio decisions.

Experience

Work history, roles, and key accomplishments

Current

AVP - Risk Management

Current

Tourism Finance Corporation Of India (TFCI)

Dec 2024 - Present (1 year 5 months)

Led quantitative credit risk assessment and Internal Risk Rating (IRR) exercises across diversified NBFC portfolios, evaluating creditworthiness, concentration risk, and exposure. Managed portfolio monitoring, credit audits, and RBI/NBFC compliance including accurate CIC reporting, and produced ALM and risk MIS for senior management decision-making.

Credit Risk Analytics Internal Risk Rating (IRR)Portfolio Monitoring Risk MIS Reporting Credit Audits & Governance CIC ALM & Liquidity Analysis

Manager - Risk

Punjab National Bank

Mar 2021 - Dec 2024 (3 years 9 months)

Conducted quantitative and qualitative credit appraisal for extra-large corporate exposures, performing financial analysis, cash-flow assessment, ratio analytics, and IRR evaluation to support sanction decisions. Delivered portfolio-level credit monitoring and delinquency trends using risk MIS, and performed RAROC-based credit proposal evaluation alongside operational risk incident/control assessm

Credit Appraisal & Appraisal Documentation Internal Risk Rating (IRR)Portfolio Monitoring Credit Risk MIS (Excel)

Marketing Officer

Indian Oil Corporation Ltd

Apr 2016 - Jan 2017 (9 months)

Managed supply chain, distribution logistics, and statutory compliance (Factories Act) for bitumen product operations, ensuring zero operational disruptions and regulatory adherence.

Supply Chain Management Operations Management Compliance Process Compliance

Wealth Manager

ICICI Bank

Jul 2014 - Dec 2015 (1 year 5 months)

Advised HNI/UHNI clients on risk-profiled portfolio strategies across mutual funds, insurance, and structured products, growing client AUM through needs-based planning and cross-sell. Maintained compliance with internal policies and SEBI/IRDA regulatory guidelines during advisory engagements.

Wealth Management HNI UHNI Advisory Needs Based Financial Planning Mutual Funds Advisory Cross Sell Client AUM Growth SEBI IRDA Compliance