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Shivram is a seasoned professional with a rich and diversified experience of over 25 years in managing credit and risk function across various product lines. His last assignment was with Reliance Commercial Finance Limited as Head-Policy and Risk for SME products. Prior to that, he was associated with Muthoot Housing Finance, Bajaj Finance and ABN AMRO Bank where he managed Credit and Risk function for various products viz Housing, Mortgages and Construction equipment. Shivram is a Commerce graduate and has done his MMS in Finance from K. J. Somaiya Institute of Management Studies & Research, Mumbai. He has been associated with SHFL since May 2019.