Krishnan Subramania Raman

Krishnan Subramania Raman is Jana Small Finance Bank's Chief Credit and Collections Officer. Raman is responsible for quality of credit origination, credit training, automation of credit processes and NPA management.

Raman joined Jana in December 2017 as Chief Risk Officer and has been instrumental in establishing a robust Risk Management framework. Raman brings in over 35 years’ banking experience from India, Singapore, Indonesia and the UAE. Just prior to joining Jana, he had senior roles in Risk Management at Mashreq Bank, UAE, Standard Chartered Permata Bank, Indonesia (a Standard Chartered joint venture bank) and Dunia Finance, a Dubai-based company.

Raman is a Post Graduate in Business Management from the Indian Institute of Management, Calcutta. He is an Associate member of the Institute of Chartered Accountants of India