Harikrishnan U
Risk officer
Pala
Summary
To become an integral part of your reputed organization and to work diligently towards attaining organizational as well as my personal goals.
Risk Management professional with 12 years of experience in the banking sector (10 years of experience in risk management, compliance, and regulatory reporting within the financial services sector). Strong analytical mindset with the ability to drive data-informed decision-making and support the development of robust enterprise risk frameworks.
Overview
12
12
years of professional experience
2013
2013
years of post-secondary education
1
1
Certification
2
2
Languages
Work History
Branch Manager
The South Indian Bank Ltd
04.2025 - Current
- In charge of branch operations and managing branch staff.
Manager
The South Indian Bank Ltd
04.2021 - 04.2025
- Was in the charge of exposure monitoring and portfolio analysis of bank.
- Monitored credit exposure across retail and corporate portfolios; recommended early warning signals to prevent NPAs.
- Assisted in compiling risk reports for senior management, board risk committees and other departments.
- Supported risk training sessions for branch-level staff on compliance and controls.
- Coordinate development of risk policies and frameworks aligned with RBI regulations.
- Support internal audits and regulatory inspections, ensuring timely closure of observations.
- Participated in credit risk reviews and portfolio risk assessment projects.
- Supported data preparation for XBRL and CRILC regulatory submissions.
Assistant Manager
The South Indian Bank Ltd
08.2017 - 04.2021
- Handled risk rating of entire bank portfolio.
- Managed a team of 5 members in risk rating team.
- Was in charge of allocating files to team members and managing TAT.
- Submitted the daily status of allotted files to senior management.
Assistant Manager
The South Indian Bank Ltd
08.2014 - 08.2017
- Handled credit processing and credit risk rating portfolio.
- Was in charge of risk rating of files from various branches under Kozhikode region of the bank.
- Headed BCP process of branches under Kozhikode region.
Probationary officer
The South Indian Bank Ltd
05.2013 - 08.2014
- Handled branch operations.
- Supported the branch head in executing daily operations.
Education
MBA - Finance & Marketing
BIMS,SB College
B. Com - Accounting with Computer Application
BVM Holy Cross College
Skills
Risk rating
Exposure monitoring
Portfolio analysis
Assessment and reporting
Prudential Exposure Ceiling
Large Exposure Framework (LEF)
Stressed sector identification and monitoring
Co-related sector identification and monitoring
Portfolio Quality Index
Stress testing of portfolio buyouts
Internal Control and Audit support
Risk analysis and financial analysis
Certification
Certificate course in Climate risk and Sustainable finance (Foundation and Advance).
Interests
Travelling & Driving
Listening to Music & Watching movies
Personal Information
- Age: 37
- Father's Name: Unnikrishnan Nair K
- Date of Birth: 05/21/88
- Nationality: Indian
- Marital Status: Married
Timeline
Branch Manager
The South Indian Bank Ltd
04.2025 - Current
Manager
The South Indian Bank Ltd
04.2021 - 04.2025
Assistant Manager
The South Indian Bank Ltd
08.2017 - 04.2021
Assistant Manager
The South Indian Bank Ltd
08.2014 - 08.2017
Probationary officer
The South Indian Bank Ltd
05.2013 - 08.2014
B. Com - Accounting with Computer Application
BVM Holy Cross College
MBA - Finance & Marketing
BIMS,SB College
Similar Profiles
Saradindu PaulSaradindu Paul
Assistant Manager at The South Indian Bank LtdAssistant Manager at The South Indian Bank Ltd
JOSMY JOSEPHJOSMY JOSEPH
Credit Analyst at The South Indian Bank LtdCredit Analyst at The South Indian Bank Ltd
JISHA LIZA JAMESJISHA LIZA JAMES
Assistant Manager at The South Indian Bank LtdAssistant Manager at The South Indian Bank Ltd
Sarath RajSarath Raj
Technical Lead at Dbiz.aiTechnical Lead at Dbiz.ai
SELMI SOBYSELMI SOBY
Associate Ui/Ux Developer at IMMCO SOFTWARE SOLUTIONS PVT LTDAssociate Ui/Ux Developer at IMMCO SOFTWARE SOLUTIONS PVT LTD