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Expert banking advisory, training, and strategic insights.
Expert banking advisory, training, and strategic insights.
Strategic Consultation on Credit & Risk

Strategic Consultation on Credit & Risk

Practical Credit Risk Expertise for Better Lending Decisions

Credit decisions need more than financial analysis. They require an understanding of risk, borrower behaviour, portfolio quality, governance, and the business context behind every proposal.

With 18+ years of senior banking experience, including experience as Head of Credit Risk and over a decade as CRMC Convenor, Sumanta brings practitioner-level insight into credit appraisal, risk frameworks, policy, governance, and portfolio management.

The consultation is designed for banks, NBFCs, financial institutions, research teams, investment professionals, and organisations seeking an experienced perspective on credit risk and lending decisions.

Sumanta is available for on-demand expert consultations across the following domains — bringing 18+ years of live practitioner depth to your research, investment, or strategy questions.

Setting up / Review of Retail Credit Policy-Product-Process

Covers all key risk concepts in simple way, reading hidden financial stress what numbers don’t say, building a common Business-Credit-Risk vocabulary, and the ECL transition readiness — for anyone who makes or influences lending / investment decisions.

Setting up / Review of Microfinance Policy-Product-Process
  • 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
Setting up / Review of Corporate & NBFC Credit Policy-Product-Process

Expert perspective on high-value proposal analysis, financial spreading, internal rating, ALM mismatch, and concentration risk — from origination through sanction and portfolio monitoring.

Formulation of Credit Risk Frameworks
  • Risk Appetite Design & Portfolio Limit Structuring
  • Governance Architecture & Approval Matrices
  • Delegation of Authority Frameworks
  • Early Warning System (EWS) Design
  • Built from Scratch at a Universal Bank — not Theoretical
Setting up / Review of Climate Risk & Sustainable Finance Policy-Product-Process
  • TCFD framework & climate stress testing
  • Green bonds & sustainability-linked loans
  • Carbon accounting & ESG integration
  • GARP-SCR certified — one of India’s few banking practitioners with hands-on credentials
  • Available for calls on climate risk strategy and sustainable finance structuring
Setting up / Review of Recovery & Collections Policy-Product-Process - Strategy
  • Collections lifecycle management (retail & corporate)
  • NPA recovery strategy design
  • Legal mechanisms: SARFAESI, DRT, IBC
  • Collections team structuring & incentive design
  • Distressed asset resolution frameworks
Setting up / Review of MSME & SME Lending Policy-Product-Process

Expert perspective on MSME credit appraisal, cash flow-based lending, GST-linked underwriting, CGTMSE framework, and sector-specific risk assessment — drawn from SBI’s large MSME portfolio experience.

Reviewing Regulatory Intelligence & RBI Circular Demystification

Translating complex RBI circulars, prudential norms, and regulatory guidelines into actionable business intelligence — available for calls on regulatory impact assessment, compliance strategy, and policy interpretation for investment and strategy teams.

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Industry Leaders Say
About Sumanta

Success Speaks
Santanu Mukherjee

Santanu Mukherjee

Veteran Banker, Director, Industry Leader, Ex-MD of State Bank of Hyderabad

Sumanta was an excellent and energetic executive in the leadership role of Bandhan Bank with depth of knowledge in banking with special emphasis on risk management and credit controls. He is extremely innovative in handling important issues of Banking. I am sure he will earn success wherever he involves himself.

Ratan Kesh

Ratan Kesh

Veteran Banker, Industry Leader, Director, Executive Director & COO-Bandhan Bank, Ex- Axis Bank

It has always been a pleasure working with Sumanta and at a personal level, I found him to be knowledgeable, committed, articulate having expertise to add value to his domain. His ability to break down complex banking concepts with clarity and precision always enhanced stakeholder’s understanding.

Deepankar Bose

Deepankar Bose

Veteran Banker, Director, Industry Leader, Ex-CGM, SBI & Head CC, Bandhan Bank

It has always been a pleasure working with Sumanta since he brings profound knowledge and clarity to the domains of credit & risk management. His ability to elucidate complex banking concepts with clarity and precision, always facilitate better understanding among stakeholders.

Biswajit Das

Biswajit Das

Veteran Banker, Senior Business & Risk Leader, Ex- ICICI, CRO, CTO-Bandhan Bank

Sumanta has played a stellar role in setting up the Credit Risk function in Bandhan Bank. He has been bestowed with an important capability to break down the complex risk topics into chewable bits which becomes very easy for the risk owners to absorb and implement. He displays tenacity, perseverance and aptly mix his functional and managerial aptitude to take matters of importance to a befitting conclusion.

Prof. Bibek Ray Chaudhuri

Prof. Bibek Ray Chaudhuri

Professor at Indian Institute of Foreign Trade. Head of Economics Division.

The sessions are well conducted covering topics relevant for Masters in Economics students and how their knowledge is utilised in Banking. Thanks for conducting such an illuminating session.

Amitava Mukherjee

Amitava Mukherjee

Senior Industry Specialist. Equity Partner KPMG, Financial Risk Management

I strongly recommend Sumanta for his profound understanding of banking processes, regulatory frameworks and risk management, developed through his extensive experience with SBI and Bandhan Bank. His ability to simplify complex banking concepts and adapt the level of detail to suit diverse audiences demonstrates his exceptional communication and thought leadership skills.

Saurabh Jain

Saurabh Jain

Senior Banker, Head of Business, Lending Kart. Ex- ICICI, ABN-Amro, Deutsche & Bandhan Bank.

I’ve known Sumanta for more than 7 years. Earlier with the largest Bank and later with a new age Private bank has given him a well-rounded experience in Credit Risk. From Micro finance and small ticket retail loans to Commercial banking and Institutional lending. He has aided in launch and scale up of various products. He never let his calmness take the better of his stand on matters which needed to have a counter view and opinion. There’s lots that one can learn by just spending few hours with him.

Achira Bhowmik

Achira Bhowmik

Senior Banker, Vice President-Citi. Ex- Bank of Baroda

Sumata is a very knowledgeable and thorough professional with a deep understanding of all the nuances of his subject. Having worked for over 17 years in Banking, his forte is to make the subject simple and easy to comprehend. He always had a flair for teaching, making the most complicated concepts simple breaking down it into parts that are easy to understand and relate. Have always known that his passion is to spread his knowledge. Wishing him the very best!

Shilpi Kanoria

Shilpi Kanoria

Senior Advisor, South Asia- Climate Bond Initiative. Ex- VP, SBI Caps, Ex- IndusInd Bank.

I have been interacting with Sumanta da since his stint with SBI. He has always been conceptually very sound and more importantly, makes banking simple and easy for the clients. Communication is his strong point and he has the ability to put his points forth in a logical and easy to understand manner which enables one to move towards a win-win solution.

Ranjit Dash

Ranjit Dash

Senior Banker, Credit Head, AGM-ICICI

I know Sumanta for more than a decade as a colleague as well as a peer. What stands out about Sumanta is his strong analytical mind which helps him to relate theoretical concepts effortlessly to practical problems. With almost two decades of experience as a senior banker in credit and risk function with engagements at various levels starting with a junior credit analyst to highest level of Board of Directors of a universal bank as well as Regulators has helped him to hone his knowledge and skills. These attributes combined with his natural creative persona will certainly guide him to professional success in the field of education and mentoring. I wish him all the best for his future endeavours.

Partha Ray, FIII

Partha Ray, FIII

Industry Specialist. Senior Consultant, Cognizant.

Sumanta Chakraborty is a doyen in the field of banking and finance with in-depth knowledge and expertise in credit and risk. He demonstrated his razor-sharp analytical skills and exceptional leadership capabilities in his 18+ years of distinguished career with many feathers in his cap.

Nilanjana Biswas Mukherjee

Nilanjana Biswas Mukherjee

Ex Director- Delloite. Head ECL & Model Validation- Tata Capital

Sumanta Chakraborty is a seasoned banker with exceptional judgment and a sharp command of risk management. His ability to anticipate challenges, balance prudence with growth, and make data-driven decisions consistently delivers strong outcomes. With a calm, disciplined approach and deep industry insight, he is a trusted leader in navigating complex financial environments.