Our Services

Expert banking advisory, training, and strategic insights.
Services
Subject Matter Expert Advisory
Bring Real-World Banking Expertise to Your Research and Decisions
Credit decisions rarely sit within one function. They involve portfolio quality, risk metrics, policy, governance, business strategy and an understanding of how the wider BFSI landscape is evolving.
Drawing on hands-on experience across credit risk, lending and senior banking decision-making, Sumanta offers focused practitioner perspectives across these specialised areas, helping global research platforms and institutional investors address specific credit and risk challenges with greater clarity.
NPA Management & Early Warning Systems
- EWS framework design & trigger calibration
- Intervention windows: 60–90 days before default
- Capital discipline & RWA structuring
- ECL modelling & credit loss forecasting
- Available for calls on distressed asset strategy
Key Risk Metrics Advisory
- PD, LGD, ECL – modelling and interpretation
- CRAR & SBR Tier norms
- Risk-weighted asset (RWA) analysis
- Translating metrics into business intelligence
- Available for investment analysts and strategy teams
Business-Risk Alignment
Practitioner perspective on bridging credit risk strategy with business growth objectives — portfolio concentration, risk appetite calibration, and credit culture across large banking institutions.
Microfinance & Financial Inclusion
- MFI credit appraisal & JLG/SHG lending models
- PAR metrics & over-indebtedness detection
- MFIN/RBI regulatory norms & compliance
- Responsible lending practices
- Available for calls on MFI portfolio stress and regulatory strategy
Credit Policy Framing & Governance Architecture
- Board-approved credit policy drafting
- Delegation of Authority & approval matrix design
- Credit manual structuring & policy review cycles
- Drawing from a decade of policy ownership at the highest institutional levels
Industry Insights & Sectoral Credit View
Macro-level commentary on BFSI sector trends, MFI stress cycles, MSME credit behaviour, retail delinquency patterns, and emerging risks in Indian banking — the kind of forward-looking practitioner intelligence that research firms and investment analysts seek.
Industry Leaders Say
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