# Pritam Ghosh

Pritam Ghosh is a remote worker on Himalayas, Lead Credit & Process Strategist at SK Finance, based in India.

Source: https://himalayas.app/@pritamghosh2

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Lead Credit & Process Strategist at SK Finance, shaping co-lending risk strategy and BRE rules with RBI compliance built in.
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| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | India |
| Authorized to work in | India |
| Salary expectations | 219k+ INR |
| Job categories | Risk Management and Regulatory Compliance, Risk Manager, Regulatory Compliance Manager |
| Skills | Credit Risk Management, Enterprise Risk Management, RBI Compliance, RBI Reporting, Credit Portfolio Monitoring, Credit Audits, Credit Governance, Risk Appetite Framework, Credit Risk Strategy, Performance Testing, scenario analysis, PD LGD EL Modelling, IFRS 9, ECL, Basel III |
| LinkedIn | https://linkedin.com/in/pritamghosh |

## What I'm looking for

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I'm seeking a senior Risk Management and Regulatory Compliance leadership role in a Bank, NBFC or HFC.
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## About

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At SK Finance, I own credit and risk strategy and SOP design for the co-lending business, aligning them with RBI co-lending guidelines and partner-bank compliance standards. I define Business Rule Engine logic and lead UAT through production go-live for new platforms.

At Bandhan Bank, I analysed portfolio behaviour—including delinquency trends, flow rates, NPA migration and exposure concentration—to inform risk assessment and RBI reporting. I also supported stress-testing and scorecard-development cycles, regulatory returns, and second-line governance reviews.

At Tata Capital Housing Finance Ltd., I helped launch affordable-housing and micro-business loan products, led a credit team, and monitored portfolio quality and early warning indicators. Across my banking and housing finance experience, I have worked on credit risk, regulatory compliance, audit governance and lending-process controls.
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## Experience

### Lead Credit & Process Strategist (current)

SK Finance. Jun 2026 - Present

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Owns credit and risk strategy plus SOP design for the co-lending business, ensuring alignment with RBI guidelines and partner-bank compliance. Drives BRD development and defines Business Rule Engine logic for new co-lending platforms, leading UAT cycles through to production go-live.
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Skills: Credit-Risk, Enterprise-Risk-Management, RBI-Compliance, BRD, Business-Rules-Engine, UAT, Co-Lending, SOP-Development

### Credit Risk Analyst

Bandhan Bank. Apr 2024 - Jun 2026

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Partnered with Credit, Technology and Regulatory Reporting teams to safeguard data integrity and compliance accuracy across credit risk stress-testing and scorecard-development cycles. Analysed portfolio credit behaviour to inform credit risk assessment, forecasting and RBI regulatory reporting.
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Skills: Credit-Risk, Performance-Testing, PD-Modeling, LGD, EAD, RBI-Reporting, Data-Integrity, UAT, SOP流程设计, Second-Line-Of-Defence

### Senior Manager – Credit & Risk

Yes Bank Ltd.. Sep 2022 - Mar 2024

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Led credit risk assessment and portfolio monitoring for retail lending books, evaluating borrower financial strength and delinquency behaviour. Provided functional input for LOS enhancements and ran portfolio deep-dive risk analyses to flag emerging credit risks.
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Skills: Credit-Risk, Portfolio-Monitoring, Lo-S, Risk-Assessment, Compliance, Fraud-Detection, Process-Efficiency

### Credit Manager – Retail Assets

Tata Capital Housing Finance Ltd.. May 2016 - Sep 2022

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Played a key role in launching affordable-housing-loan and micro-business-loan products, embedding credit risk criteria and compliance requirements into product design. Led a team of Credit Managers, Sales Managers and CPAs, assessing and approving loan applications against established credit risk criteria.
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Skills: Credit-Risk, Underwriting, Portfolio-Monitoring, Team-Leadership, Compliance, Credit-Audits, Early-Warning-Systems

### Credit Manager

L&T Housing Finance Ltd.. Sep 2015 - May 2016

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Assessed loan-application credit risk against established criteria and contributed to process improvements in credit appraisal, documentation and compliance. Analysed applicant financial and credit status to determine loan feasibility while tracking evolving mortgage-lending regulations.
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Skills: Credit-Risk, Credit-Appraisal, Compliance, Mortgage-Lending, Financial-Analysis

### Management Trainee / Assistant Manager

LIC Housing Finance Ltd.. Jul 2011 - Sep 2015

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Gained end-to-end exposure to housing-loan origination, underwriting, servicing and collections. Built foundational expertise in lending regulations, customer onboarding and credit appraisal.
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Skills: Home-Loans, Underwriting, Collections, Customer-Onboarding, Credit-Appraisal

## Education

### Indian School of Business

Advanced Management Programme, Business Analytics

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Completed the Advanced Management Programme in Business Analytics in 2025.
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### National Institute of Bank Management

Certificate, Risk Management

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Completed a Certificate in Risk Management in 2025.
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### Jaipuria Institute of Management

PGDM, Finance and Marketing

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Earned a PGDM in Finance and Marketing in 2011.
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### St. Xavier's College, Kolkata

Diploma, Computerised Accounting and Portfolio Management

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Completed a Diploma in Computerised Accounting and Portfolio Management in 2009.
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### T. John College, Bangalore University

B.Sc., Biotechnology

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Earned a B.Sc. in Biotechnology in 2007.
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### Udemy

Microsoft Excel for Business & Data Analytics, Business and Data Analytics

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Completed the Microsoft Excel for Business and Data Analytics certification.
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### Microsoft & LinkedIn

Generative AI Productivity Skills, Generative AI

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Completed the Generative AI Productivity Skills certification.
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### Project Management Institute & LinkedIn

Project Management Foundations, Project Management

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Completed the Project Management Foundations certification.
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### IIBA & LinkedIn

Agile Foundations, Agile

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Completed the Agile Foundations certification.
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### Atlassian

Atlassian Agile Project Management Professional Certificate, Agile Project Management

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Completed the Atlassian Agile Project Management Professional Certificate.
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## Tech stack

- Tableau
- Python
- Microsoft Excel

To contact Pritam, message them from this profile with a Himalayas employer account: [Hire on Himalayas](https://himalayas.app/hire).

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