Banking
10 credit risk management experts
These ten bank risk leaders have run credit risk management in their own roles, with titles such as head of credit risk, chief credit officer and head of credit risk policy. A reader can learn how banks set up and run credit risk management for their lending portfolios.
Professionals to explore
01—10Arnisa Abazi
LinkedInExperience: Managing Director, Head of Portfolio Management Group, Wholesale Credit Risk · Citi
Managing Director, Head of Portfolio Management Group, Wholesale Credit Risk at Citi since July 2022. The profile says the group's responsibilities run from limits and risk rating frameworks to risk appetite, stress testing and credit allowance for the Institutional Client Group portfolio. Former Managing Director, Wholesale Credit Allowance and Stress Testing at Citi (2019–2022).
Badar Ikram
LinkedInExperience: Head of Corporate & FI Credit Risk · Faysal Bank Limited
Head of Corporate & FI Credit Risk at Faysal Bank Limited since March 2015, where the profile lists membership of the Credit Committee that approves all credit exposures for Corporate and Investment Banking, Financial Institutions, Insurance Companies and Country Limits. Former Credit Risk Manager - Central & North Region at Faysal Bank Limited (2013–2015).
Cleofus Francis
LinkedInExperience: Head of Credit Risk Management Services · Citibank, N.A.
Head of Credit Risk Management Services at Citibank, N.A. since November 2017, where the profile describes providing credit data management, policy, advisory services and control for functions that support the credit approval, limit monitoring and documentation review process. Former Manager UORM - Credit Risk Control at Standard Chartered (2006–2017).
Jennifer Hörl
LinkedInExperience: Chief Credit Officer Retail, Managing Director · Deutsche Bank
Chief Credit Officer Retail, Managing Director at Deutsche Bank since January 2026. Other listed Deutsche Bank roles are Head of Competence Center Retail for Private Bank Germany, Managing Director (2025–2026) and Leiterin Competence Center Retail, CRO Private Bank Germany, Director (2018–2025). The profile describes leading a multi-location organization that shapes and implements credit risk strategies.
Lyndal Clarke
LinkedInExperience: Head of Credit Risk - Personal Banking Risk · National Australia Group
Head of Credit Risk - Personal Banking Risk at National Australia Group since January 2012. The profile says the job is responsible for executing the Group’s credit risk framework within Personal Banking, including defining and executing the oversight of risk appetite. Former Head of Retail Credit Decisioning - Personal Banking Risk at NAB (2010–2012).
Nikhilesh Mangal, A.C.A, FRM
LinkedInExperience: SVP & Head of Credit Risk · First Abu Dhabi Bank (FAB)
SVP & Head of Credit Risk at First Abu Dhabi Bank (FAB) since September 2021 and former SVP & Head of Risk Strategy & Appetite - Enterprise Risk Management there (2017–2021). Former Asst. Vice President - Credit Risk Management Unit at FGB (2007–2017) and Manager - Credit Risk Management at Citi (2005–2007).
Orest Kvitsiani
LinkedInExperience: Head of Credit Risk Management Department · Liberty Bank
Head of Credit Risk Management Department at Liberty Bank since May 2023, where the profile describes implementing the bank's credit risk management strategy and framework. Former Senior Provisioning Specialist at Bank of Georgia (2022–2023), Risk Model Management Group Head at VTB Georgia (2021–2022) and Senior Risk Manager at VTB Georgia (2013–2021).
Prateek Khandelwal
LinkedInExperience: Director, Head of Credit Risk, Value (Citi Proprietary Card)Portfolio · Citi
Director, Head of Credit Risk, Value (Citi Proprietary Card)Portfolio at Citi since April 2024, where the profile describes end to end risk management for a $22B+ card portfolio and leading a team that develops acquisition and existing customer management credit risk strategies. Former Director, Head of Credit Risk - Mass Market Co-branded Card Portfolio at Citi (2022–2024).
Ruchi Gupta
LinkedInExperience: SVP & Head, Credit Risk Policy & Portfolio Management - Personal Loans & Credit Cards · DBS Bank
SVP & Head, Credit Risk Policy & Portfolio Management - Personal Loans & Credit Cards at DBS Bank since February 2024, where the profile describes responsibility for credit risk management of DBS India credit cards and personal loans. Former Vice President Credit Risk Management at DBS Bank (2021–2024), Director Credit Risk Management at Standard Chartered (2020–2021) and Credit Risk Manager at Citi (2013–2018).
Supreet Kaur
LinkedInExperience: Head Credit Risk Management · HDFC Bank
Head Credit Risk Management at HDFC Bank since February 2026; former Executive Vice President & Head SME Credit Risk Management (2024–2026) and Senior Vice President & Head- SME Credit Risk Management (2023–2024) at HDFC Bank. Former Director and Head of Consumer Industry, Mid Corporates, Commercial Banking at Citi India (2022–2023).
Choose the right perspective
Match the person's segment to your portfolio, since credit risk for cards and personal loans, small business lending and large corporate or institutional exposures is managed in different ways. Also consider the regulatory setting the person has worked in, which shapes how policy, limits and provisioning are handled.
Questions to take into the conversation
- 01How do you set credit approval limits and decide which exposures need committee approval?
- 02Which early warning indicators do you watch to catch deterioration in a loan portfolio?
- 03How do you balance growth targets from the business with the bank's credit risk appetite?
Reaching credit risk management experts
How can I contact one of these credit risk management experts?
Pick one of the 10 people on this page and choose "Book a paid call", or describe your project to find others. You offer a fee for a 15-minute call or a written answer, Instant Expert finds the person's work email and sends the invitation, and they decide whether to accept. The list covers 9 companies, including Citi; Faysal Bank Limited and Citibank, N.A., based on profile data retrieved on October 3, 2026. Being listed here doesn't mean someone has agreed to take calls.
How much does it cost to reach credit risk management experts?
You choose the offer, starting at $5 per person. It includes Instant Expert's 20% fee, so an offer that pays the person $100 costs you $125. You're charged only when the person books the call or sends the answer.
What if they don't reply?
You pay nothing. Instant Expert sends follow-up reminders, and if the person hasn't booked or answered within 7 days, the request expires and any hold on your card is released. You can invite several of the 10 people on this list at once and cap your total spend, so you pay only for the ones who accept.
About this directory
This is a professional research starting point based on business profile data retrieved on . Titles and companies reflect that source snapshot and may describe past or present roles. Check the linked profiles for current details. Inclusion does not imply Instant Expert membership or availability.
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