Uma R
@umar1
I am a credit and climate risk manager driving data-informed risk reduction
United KingdomWhat I'm looking for
I am a banking risk professional with 16+ years of experience and over three years focused on credit and climate risk, certified in Sustainability and Climate Risk (SCR) by GARP. I combine deep credit underwriting and portfolio monitoring experience with sustainability expertise to strengthen risk frameworks and regulatory compliance.
I have led internal credit rating teams, collaborated with CRISIL and ICRA Analytics on portfolio reviews and model refinement, and supported the design of the Bank’s Green Deposit and Financing Framework. I maintained rating history for portfolios exceeding £950 million, implemented dashboards and exposure controls, and achieved measurable improvements such as a 30% reduction in false positives from scoring model validation.
Experience
Work history, roles, and key accomplishments
TLCredit Risk and Climate Risk Manager
The South Indian Bank Ltd
Mar 2022 - Apr 2025 (3 years 1 month)
Led credit and climate risk functions, formulating the bank’s Green Deposit & Financing Framework and ESMS, conducted 100+ internal ratings across a £950 million portfolio, and validated models that reduced false positives by 30% while ensuring regulatory reporting.
TLCredit Underwriting & Monitoring Manager
The South Indian Bank Ltd
Apr 2015 - Mar 2021 (5 years 11 months)
Prepared and reviewed credit proposals and limits up to £8.5 million, managed post-sanction monitoring and covenant tracking, and improved turnaround time and portfolio quality through strengthened underwriting processes.
TLBranch Operations Manager
The South Indian Bank Ltd
Jun 2008 - Apr 2015 (6 years 10 months)
Managed branch operations and relationships with the top 100 clients generating over 50% of branch revenue, launched revolving credit and bill discounting generating £13 million in advances, and maintained zero NPAs while overseeing a £6.5 million portfolio.
Education
Degrees, certifications, and relevant coursework
UKUniversity of Kerala
Master of Business Administration, Business Administration
Master of Business Administration from the University of Kerala, completed May 2008.
UKUniversity of Kerala
Bachelor of Technology, Civil Engineering
Bachelor of Technology in Civil Engineering from the University of Kerala, completed June 2006.
Tech stack
Software and tools used professionally
Availability
Location
United KingdomAuthorized to work in
Job categories
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