Riya Bhandari

Regional Risk Manager · Corporate Credit & Portfolio Risk

Siemens Financial Services · Mumbai & Nashik · India

✉ riyabhandari2007@gmail.com ☎ +91 88266 19627 in /iRiyaBhandari
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Professional summary

Finance and risk professional with 12+ years across corporate credit, portfolio management, financial modelling, and sustainability-aligned lending. Currently Regional Risk Manager at Siemens Financial Services, leading risk decisioning for high-value financing across Mumbai & Nashik. Recognised for digital transformation, underwriting governance, and training risk teams — building digital fluency alongside risk leadership.

Credit & riskUnderwriting · ratings · portfolio
Digital opsPower Query · PAN-India tools
LeadershipTraining · process · stakeholders
Future-readyESG · AI tools · building

Tenure

Years

Awards by org

Count
2014

CRISIL

Research Analyst · Gurgaon

2014 – 2016
2016

Indiabulls

Branch Credit Head · Delhi

2016 – 2019
2019

Hero Housing

Credit Manager · Mumbai

2019 – 2021
2022 → Present
Current role · Ongoing

Siemens FS

Regional Risk Manager · Mumbai

Feb 2022 – Present · —

Experience

4 roles · full detail
Siemens Financial Services Pvt. Ltd. · Now

Regional Risk Manager

Mumbai · Feb 2022 – Present
  • Managed financing for Mumbai & Nashik — high- and mid-ticket deals across sectors.
  • Assessed creditworthiness using internal rating methodologies for credit decisions.
  • Analysed financial statements and income documents for sound risk assessment.
  • Delivered training on updated risk policies across teams.
Hero Housing Finance Ltd.

Credit Manager

Mumbai · Feb 2019 – Dec 2021
  • End-to-end underwriting for housing finance and mortgage products.
  • Financial analysis and risk assessment for retail and HNI applications.
  • Presented credit proposals to senior management and sanction committees.
  • Monitored portfolio performance; ensured credit policy compliance.
Indiabulls Housing Finance Ltd.

Branch Credit Head

New Delhi · Dec 2016 – Feb 2019
  • Corporate credit appraisals — financials, business, industry/competitor analysis; recommended ratings.
  • Negotiated repayment plans with delinquent customers.
  • Oversaw disbursal team for timely, policy-compliant disbursals.
CRISIL Ltd.

Research Analyst

Gurgaon · Feb 2014 – Dec 2016
  • Financial models and five-year projections from detailed analysis.
  • Industry research and insights for corporate finance decisions.
  • Forecasting and management reporting improvements.

Skills & tools

Capability map

Core risk & finance

Credit Risk Assessment
Financial Statement Analysis
Portfolio Risk Management
Financial Modelling
Corporate Finance
Strategic Decision Making

Digital & delivery

Process Automation
Power Query
Stakeholder Management
MS Office
SharePoint · SFDC
Vibe coding / HTML·JS
English Hindi Travelling Sports Painting

Leadership & impact

01 · PAN-India automation

Power Query tools rolled out PAN-India — underwriting automation, lower TAT, data hygiene.

02 · Process improvement

Core team — partnered on bottlenecks and scalable operational solutions.

03 · Risk training

Risk management training for the PAN-India risk team.

04 · ESG & sustainability

Global programmes on ESG tools and sustainability frameworks.

Awards

Siemens Financial Services

  • Exemplary Award (Excellence) — Mar 2023 & May 2024
  • STAR Award — Nov 2022
  • STAR Award, Passion for Service — Nov 2023 (Power Query tool)

Hero Housing Finance

  • Employee of the Quarter

Indiabulls Housing Finance

  • Rising Star Award (Annual)
  • Most Energetic Performance Award (Annual)

CRISIL Ltd.

  • Two Bronze ACE Awards · R&R Quarter · Clap Award (CRISILites)

Education

MBA
MBA · Finance Amity University
B.Com
Bachelor of Commerce Mumbai University
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