Dhananjay Bhat

Accomplished and results-driven credit risk professional with over 16 years of experience in payments, corporate, banking, and financial institutions across the Asia Pacific region. Recognized for proven excellence, innovation, and leadership in credit risk management, stakeholder engagement, and portfolio management. Demonstrated history of executing high-impact initiatives, fostering professional growth, managing multi-billion-dollar exposures with zero defaults, and optimizing operational efficiency. Adept at team leadership, structuring solutions, and driving business growth through collaboration with key stakeholders.

Credit Portfolio Management: Managed US$3 billion in credit exposure across South Asia, Vietnam, Cambodia and Laos with zero credit settlement defaults at visa.

Credit Rating Models: Implemented advanced credit rating models and exposure management strategies, ensuring compliance and optimized financial exposure management.

Risk Management Tools: Developed and deployed real-time risk monitoring and early warning systems to manage Credit Settlement risk at Visa.

Alternative Collateral Solutions: Developed local currency collateral solutions for India, Bangladesh, Sri Lanka, Nepal, and Vietnam, setting a regional standard. Executed Visa’s first group insurance program for counterparties to manage Credit Settlement Risk at Visa.

Cash Collateral Consolidation: Led consolidation of USD 750M cash collateral from 350 clients across AP, CEMEA, and Africa to a single bank, enhancing operational efficiency and FX inflow.

Onboarding Process Optimization: Led reengineering of onboarding and risk assessment processes, reducing onboarding time by 50% for banks, fintechs, and payment facilitators at Visa.

Mentorship and Training: Mentored and trained colleagues, fostering continuous professional growth and building high-performing teams.