Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Languages Known
Personal Details
Hobbies and Interests
Timeline
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ULLAS RADHAKRISHNA KAMATH

ULLAS RADHAKRISHNA KAMATH

Strategic Risk Management Leader
BENGALURU,KA

Summary

Strategic Risk Management Leader with 15+ years of expertise in Credit Risk, Financial Analysis, Consulting, and Portfolio Optimization across Corporate & Investment Banking, Payments, and Merchant Services risk verticals. Known for scaling risk advisory services, empowering high-performing teams, and delivering measurable business impact for global financial institutions. Skilled in underwriting and client reviews spanning Fortune 500 and multinational corporations across diverse industries. Proven success in business development, solution delivery, and deploying tech-driven credit and fraud risk strategies across geographies. Adept at building inclusive, collaborative cultures while consistently achieving revenue growth and regulatory excellence. Recognized for driving transformation initiatives that enhance risk assessment accuracy and operational efficiency. Committed to leveraging data-driven insights to anticipate emerging risks and capitalize on new opportunities.

Overview

15
15
years of professional experience

Work History

Vice President - Lead Credit Officer, Corporate and Investment Banking

JP Morgan Chase & Co
09.2019 - Current
  • Promoted to: Vice President - Lead Credit officer, Corporate and Investment Banking (Feb 2022 – till date)
  • Previous Designation: Senior Associate (Sept 2019 – Jan 2022)
  • Description: Provide executive oversight for periodic credit reviews of the CIB wholesale clients, with the primary goal of proactively minimizing credit losses for the Bank.
  • Established a culture of continuous improvement, fostering innovation and driving sustainable growth across the organization.
  • Identified opportunities to improve business process flows and productivity.
  • Built high-performance teams through effective recruitment practices focused on competency alignment coupled with ongoing performance management processes.
  • Lead and mentor a high-performing team of 15 Credit Officers globally, fostering a culture of trust, accountability, empowerment, development, and succession planning.
  • Provide executive oversight and strategic leadership for periodic risk reviews of diverse global Corporate and Investment Banking (CIB) merchant acquiring portfolios, minimizing credit and fraud losses while supporting business growth.
  • Owned comprehensive portfolio risk management for Fortune 50 and multinational clients, ensuring timely reviews, risk mitigation, and strategic decisions including termination of high-risk accounts.
  • Spearheaded process automation and workflow enhancements, reducing credit review turnaround time by 25% and driving efficiency through continuous improvement initiatives.
  • Championed cross-functional collaboration by coordinating taskforce across Credit, Compliance, Analytics, and Technology teams to deliver complex, high-stakes projects and optimize client outcomes.
  • Led internal audit engagements and collaborated with cross-functional stakeholders to assess and strengthen credit risk controls, identifying weaknesses and recommending sustainable improvements.
  • Continuously reviewed and recommended updates to critical policies such as Compliance, Conduct, Operational Risk, Reputational Risk, and Heightened Risk frameworks to ensure alignment with evolving global best practices and merchant risk classifications.

Regional Head - Assistant Vice President

HDFC Bank Limited
09.2018 - 09.2019
  • Lead relationship and risk management for institutional banking clients by driving end-to-end ownership of corporate portfolios, spearheading business development, and ensuring asset quality.
  • Expertly guided multi-disciplinary teams through digital transformation and onboarding modernization, implementing key initiatives like Straight-Through Processing, Electronic Netting (Enet), and payment gateways to convert physical transaction processing into efficient, system-driven operations – delivering enhanced client experience, operational excellence, and sustainable growth.
  • Drive strategic business sourcing across Exchanges, Clearing Corporations, Custodians, FIBs, Stock Brokers, Corporate, and Correspondent Banking clients, while coaching the team on effective client engagement and risk management.
  • Oversee strict adherence to Bank policies and regulatory guidelines across jurisdictions, proactively identifying and addressing control weaknesses, compliance breaches, and operational risks, with a focus on raising team awareness and accountability.
  • Manage and grow existing and future client relationships by guiding the team in developing targeted business penetration strategies and coordinating cross-functional collaboration to resolve critical credit and operational queries efficiently.
  • Designation: Regional Head - Assistant Vice President
  • Department: Capital, Commodity Markets and Banks Group

Assistant Vice President – Credit Risk

HSBC EDP India (P) Ltd
01.2015 - 08.2018
  • Promoted to: Assistant Vice President – Credit Risk (Feb 2017 – Aug 2018)
  • Previous Designation: Manager – Credit Risk (Jan 2015 – Jan 2017)
  • Conduct credit reviews of new & existing borrowing relationships and identified high risk counterparties within the APAC region and take informed credit decisions so as to enhance bank’s lending growth while minimizing various associated risks.
  • Take ownership of the process and serve as a Subject Matter Expert (SME), acting as a point of contact to guide and manage a team of credit officers on policy matters, products, and assisting commercial banking teams during client sourcing and selection.
  • Conduct thorough analysis of loan applications, ensuring comprehensive risk assessment and making informed credit judgments. Propose methods for enhancing lending positions and establish effective risk mitigations during the credit underwriting process.
  • Collaborate closely with frontline business partners in Commercial Banking, maintaining transparent communication with Risk colleagues, product teams, and policy desks.
  • Prepare spreadsheets, credit proposals for complex credits, summaries, and opinions for loan decision makers.
  • Ensure strict adherence to the Bank’s policy guidelines and regulatory requirements specific to the stakeholder country. Report on weaknesses, compliance breaches, and operational loss events.
  • Cultivate and maintain strong working relationships with Relationship Managers and Team Heads, delivering value-added services to establish credibility and rapport.
  • Manage and monitor high-risk problematic accounts, taking proactive measures to minimize losses.
  • Collaborate with cross-functional teams to develop and execute audit plans, ensuring timely and accurate assessments. Prepare detailed audit reports summarizing findings, risk exposure, and recommended corrective actions.
  • Drive and assist in recruitment, training, and development of new team members, providing insights into various products and policies of the Bank, credit appraisal techniques, and shadowing credit applications for accreditation.
  • As a member of the audit committee, assume responsibility for the team’s audit-related activities, including coordination of departmental documentation, coordination for system access and periodic testing/re-certification of audit observations.
  • Promote periodic Electronic Training (e-learning) sessions for team members, even training colleagues’ compliance with data protection policies, product knowledge, and mandatory e-learning courses, and other policies. Monitor and address unauthorized system/web access.
  • Contribute to the organization’s team building efforts by assisting in the planning and execution of activities such as credit quizzes and other company-wide events.
  • Ensure the active participation of all team members in these initiatives to promote engagement and a positive team culture.

Manager – Corporate Credit

Union Bank of India (Govt. of India Enterprise)
09.2010 - 12.2014
  • Promoted to: Manager – Corporate Credit (May 2012 – Dec 2014).
  • Previous Designation: Assistant Manager (Sept 2010 – May 2012)
  • Facilitate credit growth while preserving asset quality within the predefined timelines, processing diverse high value portfolio of Corporate, MSME, Export, Agricultural & Retail loan proposals and placing the same before the credit approval committee for approval.
  • Scrutinized credit risk in Loan proposals through Industry performance analysis, analysis of financial statements, preparation of executive summary and presenting the same before the Zonal level Credit Approval committee for sanction.
  • Review, analyze and effectively act on organizational and financial performance data to enable Management to optimize business of the Zone consisting of 7 Regional offices, 2 Industrial Finance Branches & 372 Branches spread across the states of Karnataka & Andhra Pradesh with a sizeable business volume.
  • Monitoring Credit limits and ensuring compliance of sanction stipulations and rectification of major Audit observations in respect of irregularities in Loan accounts.
  • Effectively evaluate and monitor credit risk of the Zonal office by launching follow up action plans using MMRs (Monthly Monitoring Reports) and facilitating AQMC meetings (Asset quality Management committee)
  • Conduct field visits and personal discussions with customers to establish creditworthiness of the customer and underwrite loan proposals accordingly.
  • Promote a culture of credit risk management excellence, effective monitoring and Business leadership by interacting with and guiding the credit processing teams of Regional offices & Branches. Assess, evaluate and correct delinquency issues with customers while maintaining excellent rapport.
  • Conduct fortnightly feedback sessions with branch staff to assess their areas of strength and also areas that they needed to improve on – supporting, motivating and assisting them in achieving desired targets. Submit periodic reports on business strategies and inputs on feedback from Branch staff to the Regional reporting office.
  • Also actively involved as a co-trainer in the training of new joiners.

Education

MBA - Finance & Marketing

Alliance Business Academy
Bengaluru
06.2008 - 07.2010

B.Com - Commerce, Accountancy And Economics

Kuvempu University
06.2000 - 07.2003

Skills

  • High-Performance Team Building & Management
  • Strategic planning
  • Operations management
  • Documentation and reporting
  • Credit Risk Leadership
  • Cross-Functional Collaboration
  • Strategic Client Advisory & Consulting
  • Portfolio Analytics & Underwriting
  • Regulatory Compliance
  • Digital Risk Transformation
  • Thought Leadership & Change Management

Accomplishments

  • Innovation and streamlining: Led the implementation of a portfolio ownership model that successfully streamlined credit review processes by establishing client-level expertise, enhancing client experience, and reducing overall credit review time by 25%.
  • Appreciation from stakeholders: Consistently received positive feedback and formal recognition from stakeholders and business partners for delivering outstanding results. Honored with a nomination for the 2022 Asia Pacific CEO’s Annual Excellence Award in recognition of significant contributions to process efficiency and portfolio management enhancements.
  • Collaboration and problem-solving: Drove cross-functional collaboration with internal controls and policy teams to resolve critical audit findings. Designed and launched a user-friendly tool that empowers merchant services risk teams to ensure compliance and consistently apply rigorous grading standards.
  • Over and above efforts in addition to core responsibilities: Actively supported corporate social responsibility initiatives and am dedicated to fostering an equitable, workplace, and community-focused workplace.

Certification

CAIIB (Certified Associate of IIBF), Corporate Credit appraisal program for Bank officers, Certificate course in Trade Finance, Certificate course in KYC-AML, Certificate course in Prevention of Cyber Crimes and Fraud Management

Languages Known

English, Kannada, Hindi, Konkani & Telugu

Personal Details

  • Gender: Male
  • Nationality: Indian
  • Marital Status: Married

Hobbies and Interests

In addition to cherishing quality time with my family, I have a passion for discovering new destinations and engaging in adventure sports.

Timeline

Vice President - Lead Credit Officer, Corporate and Investment Banking

JP Morgan Chase & Co
09.2019 - Current

Regional Head - Assistant Vice President

HDFC Bank Limited
09.2018 - 09.2019

Assistant Vice President – Credit Risk

HSBC EDP India (P) Ltd
01.2015 - 08.2018

Manager – Corporate Credit

Union Bank of India (Govt. of India Enterprise)
09.2010 - 12.2014

MBA - Finance & Marketing

Alliance Business Academy
06.2008 - 07.2010

B.Com - Commerce, Accountancy And Economics

Kuvempu University
06.2000 - 07.2003

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ULLAS RADHAKRISHNA KAMATHStrategic Risk Management Leader