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Syed Towhid Islam is a Senior Risk Analyst at CRISIL Limited since May 2022, with prior experience at HSBC where roles included Assistant Manager and Credit Service Executive. As an Assistant Manager, responsibilities encompassed managing a diverse customer portfolio, ensuring compliance with banking policies, and overseeing the financial assessments prior to credit approval. Additionally, Syed prepared management information reports and trained new employees. In the role of Credit Service Executive, Syed focused on verifying security documentation for loan agreements, ensuring completeness and compliance to secure the bank's interests. Syed holds a Bachelor in Commerce with a specialization in Accounting and Finance from Calcutta University, completed from 2011 to 2014.