Prateek Agrawal has been appointed as Senior Vice President & Head of SME Risk at Credit Saison India. In his new role, he will lead risk management across the company’s secured and unsecured SME portfolios, focusing on strengthening risk frameworks, enhancing underwriting capabilities, and embedding a risk-aware culture across the organization.
The company noted that Agrawal will play a key role in integrating adaptive technology and data-driven decision-making into risk processes, with the objective of improving portfolio resilience and supporting long-term, scalable growth in the SME segment.
Agrawal brings over two decades of experience in risk management across banks and NBFCs, with deep expertise spanning SME, retail, and rural lending. Prior to this appointment, he spent over eight years at IDFC FIRST Bank, where he held multiple leadership roles. Most recently, he served as Risk Head for Loan Against Property and Business & Professional Loans. During his tenure, he also led risk for vehicle loans, micro business loans, and inventory funding, building strong capabilities in portfolio strategy, underwriting, and policy formulation.
Earlier in his career, he worked with L&T Finance as Team Manager – Credit Policy, contributing to credit frameworks and risk governance. He also held key roles at Axis Bank, where he managed credit policy for rural lending, microfinance, and car loans.
A significant part of his foundational experience was built at ICICI Bank, where he spent over seven years across various credit and risk roles, including Regional Credit Manager, Deputy Product Risk Head, and Area Credit Manager. In these roles, he was responsible for underwriting, portfolio risk management, and policy development across products such as personal loans and two-wheeler financing.
He began his professional journey as an Accounts Officer at Mayar India Limited, bringing an early grounding in finance and controls before transitioning into specialized risk leadership roles.
Agrawal is a Chartered Accountant and a Certified Financial Risk Manager (FRM), further strengthening his strong technical and strategic risk management credentials.
His appointment comes at a time when technology-led underwriting, disciplined portfolio management, and robust risk frameworks are becoming increasingly critical to scaling SME lending in India.
About Credit Saison India
Founded in 2019, Credit Saison India is one of the fastest-growing NBFCs in the country. The company operates across four key verticals: wholesale lending, fintech partnerships, branch-led distribution, and embedded finance. It is backed by Credit Saison Co., Ltd., a Tokyo Stock Exchange-listed financial services firm and an affiliate of Mizuho Bank.
The company focuses on delivering technology-enabled, scalable credit solutions, particularly targeting underserved and underpenetrated segments.
