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Yamini Ramchandani is an experienced professional in the banking sector with extensive expertise in credit risk management, policy formulation, and portfolio oversight. Currently serving as COO & Head of MIS & Analytics at DBS Bank since January 2015, Yamini leads consumer credit strategy and transformation while ensuring compliance with regulatory standards. Previously, important roles included Risk Head for Secured Lending at DBS Bank, Deputy Vice President at HDFC Bank, and Vice President - Credit Policy at Centurion Bank Of Punjab Limited. Early career experience includes positions at GE Countrywide and Citi India, where responsibilities ranged from internal audit to managing key developer accounts. Educational qualifications include an MMS in Marketing from Chetna's Ramprasad Khandelwal Institute of Management and a BA in Economics from St. Xavier's College.