Anuradha Nataraj

“Risk is an inevitable part of our job, but the key is to manage it well, so that we can work in the best interest of both the customer and the company.”

Anuradha is the EVP of Credit at Kinara Capital where she oversees credit underwriting and risk processes by leading a team of 150+ in Bangalore and across Kinara’s 125 branches.

In her time at Kinara Capital, Anuradha has been instrumental in refining the credit process to meet the needs of a fully digital lending process with the company’s myKinara App. She has further introduced processes for new products such as HerVikas automatic discounted business loan for women entrepreneurs, Short-Term Working Capital loan, and Loan Against Property for existing customers.

She brings with her 20 + years of experience spanning across MNC Banks and leading finance companies, having worked with multinational companies including HSBC, ABN Amro Bank, and American Express Bank. In her previous role as VP and Regional Credit Head at Religare Housing Development Finance Corporation, Anuradha established teams and policies for affordable housing for the South Zone of India. She has multi-product experience having done underwriting, policy, and portfolio management for Home Loans, Mortgages, and Personal Loans.

She holds an MBA in Financial Management from Bangalore University. Her earlier education has been across Indian and international formats having studied under IGCSE affiliated with Cambridge University. She is a national merits scholarship holder from Bangalore University for being among the top 50 rank holders at the graduation level.