Senior Vice President, Director of Business Risk & Control and Credit Policy
Comerica Bank
Farmington, Michigan
03.2022 - Current
Primary contact for regulatory matters related to risk and controls for the Credit department
Own and manage risk remediation plans and processes for Credit
Articulate areas of risk to stakeholders including senior business leaders, second line of defense, internal audit, and regulators
Create and present governance materials for committees and senior leadership meetings
Focus on performing end-to-end risk reviews of key processes
Liaise with other risk leaders and senior managers to provide proactive advice to enable them to clearly articulate and manage applicable risks
Credit Policy Manager - Credit Risk Management and Decisioning
Comerica Bank
Farmington, Michigan
02.2011 - 03.2022
Sole responsibility for managing all aspects the entire suite of credit policies
Synergize with subject matter experts across the bank with whom I have built strong relationships to address complex credit issues
Reimagine and implement a standard template for all credit policies to enhance the user experience
Create an efficient and effective policy management and approval process
Provide subject matter expertise and training on all policy related matters
Understand and communicate banking regulations that affect credit risk to assist internal colleagues on the adherence to these regulations
Build relationships with peers at various financial institutions through to gain industry insight and knowledge of best practices
Write policies to provide clarity, improvement in risk management, and standardization
Translate and communicate policy revisions for consumption by a wide audience
Present policy revisions to the Executive Committee members for approval
Lead working groups to tackle complex credit related issues and policy projects
Portfolio Risk Manager – Portfolio Risk Analytics
Comerica Bank
Farmington, Michigan
02.2003 - 02.2011
Develop and implement comprehensive, Basel II compliant risk rating models for use throughout commercial lending
Prepare business requirements documents and conduct user acceptance testing for the web-based system housing the risk rating models
Act as business liaison with the IT project team developing and supporting the web-based system
Prepare detailed methodology documentation for three sets of risk rating models
Develop and maintain a complete training program and conducted nationwide training sessions for hundreds of users
Employ excellent project management and team building skills
Analyze risk rating data and present results to business unit heads
Credit Analyst - Credit Administration
Comerica Bank
Farmington, Michigan
06.2001 - 02.2003
Conduct credit quality analysis of various existing and prospective commercial lending customers as well as preparation and presentation of loan approval documents and underwriting materials
Complete 'Credit College' as well as rotations in International, Middle Market, Private Lending and Small Business
Complete a special assignment in Small Business, Detroit managing the portfolio of an officer on medical leave
Complete over 120 hours of continuing education classes including advanced accounting
Timeline
Senior Vice President, Director of Business Risk & Control and Credit Policy - Comerica Bank
03.2022 - Current
Credit Policy Manager - Credit Risk Management and Decisioning - Comerica Bank
02.2011 - 03.2022
Portfolio Risk Manager – Portfolio Risk Analytics - Comerica Bank
02.2003 - 02.2011
Credit Analyst - Credit Administration - Comerica Bank
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.
Vice President – Business Compliance / Business Risk and Control Management at UOB LimitedVice President – Business Compliance / Business Risk and Control Management at UOB Limited