Our Services

Expert banking advisory, training, and strategic insights.
Services
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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