Ramanan Ramachandran is a Senior Domain Consultant with the Banking and Financial Services (BFS) business unit at Tata Consultancy Services (TCS). A Financial Risk Manager (FRM) from the Global Association of Risk Professionals, USA, and a Management Accountant from the Institute of Cost Accountants of India, Kolkata, he has over 20 years of experience across banking and IT industries. Ramachandrans areas of expertise include credit analysis, portfolio analysis, rating analysis, risk analysis, asset-liability management, and policy formulation. He works with the Risk Management Practice to support risk transformation projects across banks in the area of enterprise risk management and regulatory reporting, and in creating new offerings. He has worked with Centers of Excellence of third-party analytical solutions.