Swaminathan is an exceptional chief risk officer with a remarkable 20+ years of experience in the financial services industry. With his strong expertise in risk strategies and analytics, he has created and implemented innovative policies and processes, leading to improved credit analysis, risk management, and early warning triggers. His experience in retail lending and commercial banking has enabled him to develop unique solutions that meet the specific needs of businesses and consumers alike. Swaminathan has been a core team member in the complete automation of digital lending space, thereby streamlining processes and enabling faster access to credit. He has been associated with esteemed organizations like GE Capital International Services, ICICI Bank Ltd., Tata Capital Ltd., and Magma Fincorp Ltd. and has held senior management positions in leading fintech companies such as Capital Float, Niyogin Fintech Ltd., Tricolour Financial Services, and Finacuity Capital India. Swaminathan is a true asset to any organization looking to build a robust risk management framework.