Mr. Amit Acharya

Chief Risk Officer

Amit Acharya is a Post Graduate in Physics (M.Sc.) from Dept of Physics & Electronics from Barkatullah University, Bhopal. He has also done Honours Diploma in Systems Management from NIIT, Bhopal. He has an overall experience of 25 years, with 23 years in Banking & Consumer Lending (Secured & Unsecured Lending), MSME, and Corporate Lending managing large loan book size in the past in multiple Banks such as Axis Bank, ICICI Bank, and Kotak Mahindra Bank, having expertise in Credit/Risk Management and Underwriting, Credit Policy & Portfolio Monitoring, Business Transformation, Process Quality & Re-engineering. He worked with Axis Bank for 16 years before joining Utkarsh Small Finance Bank in March 2020 in multiple roles and geographies as National Credit Manager for Retail Lending and Head – Credit Quality & Internal Controls as his last assignment.
His key strengths lie in Credit Risk Management, strong analytical skills, an eye for detail, high business acumen, driving large teams, effective communication, and stakeholder relationships.
He has been with Utkarsh SFB as Head Credit for more than 4 years and has been responsible for the Credit Underwriting & Policy for Retail Lending, MSME, Corporate lending, Credit Monitoring for the Bank, managing the various management-level and board-level Credit committees.