PRAKESH ATTA VAR
B 1203, Shailesh Towers, Sector 19A, Nerul, Navi Mumbai 400 706
Contact: +91 98335 60558 / +91 (22) 2770 2065 (Res) / prakeshattavar@hotmail.com
Core Competencies
Profit Centre / P&L
Management
Retail & Consumer Banking
Strategic Alliance & New
Initiatives
Banking Operations
Marketing & Business
Development
Brand and Product
Management
Team Development
Product Experience
 Loan against property
 Credit card
 Auto loan
 Personal loan
 Home loan
 Gold Loan
 SME/MSME
Functional Experience
 Customer Service
 Risk Management (credit,
risk control and collections)
 Relationship Management
 Channel Management
 Product / Process
Compliance
Company Experience
 Arete,Singapore(2013–2015)
 DCB, Mumbai (2009 – 2013)
 Barclays, Dubai (2008–2009)
 Deutsche,Mumbai(2007–
2008)
 HSBC, Mumbai (2005–2007)
 ICICI, Mumbai (2003–2005)
 HSBC (2001–2003)
 Citibank Shelters, (1998 -
2001)
Education
 Masters in International
Business, IIFT, New Delhi
 CAIIB (Banking and
Finance)
 CA (I) (ICAI)
 Bachelors of Commerce,
Mumbai University
 Islamic Banking, Ethica-
Dubai and IIBF Hyderabad
 Courses from IIBF, Mumbai
● PG Dip in Micro Finance
● SME Banking
● Trade Finance
Prakesh has 18 years of comprehensive experience in all aspects of retail and consumer banking
across India and Africa. He has handled various portfolios like branch banking, credit, risk control
and collections for MNC’s like Barclays, Deutsche Bank, HSBC, ICICI, Citibank, DCB Bank and
latest as a Senior Management Consultant for Arete Financial partners, Singapore.
He has hands-on experience of managing retail and consumer banking – branch, regional, national
and international level with good understanding of prevalent market and brand/product positioning
to secure business edge.
In the consumer-driven business, possesses excellent understanding of operational requirements,
analyze the numbers presented and translate those in context of customer needs and business
development strategies.
Demonstrated networking skills by building internal and external sales force for building new
business and securing customer loyalty, delivering on challenges and achieving targeted results.
Prakesh can be described as a dedicated team leader with demonstrated expertise in
developing/streamlining processes and systems to turnaround the lagging portfolio into a profit
center. He has proactive outlook with analytical mindset and excellent team management skills that
thrives in high pressure environment.
In his last assignment for Arete Financial Partners, he has worked on Portfolio Sale, Credit due
diligence for Financial Institutions & on Credit Risk Transformation projects covering collections,
credit operations, risk policy, collection strategy and fraud management strategy of Retail &
commercial Banks and assessing impact of business strategy from a risk & compliance perspective.
For DCB Bank, Prakesh worked in various leadership role which includes Credit Risk & Collections
for Retail, SME and MSME and as Chief Compliance & Nodal Officer for Southern India.He has
been instrumental in setting up secured credit card and gold loan business. He has played a
critical role in revitalizing branch banking and collections which have largely contributed to top-
line and bottom-line profits.
As Collections Head (2009-10), Prakesh turned around the loss-making operation within 15 months
by building a strong Risk/Retail/Service delivery partnership to clean-up collections, reduce NPA
and enhance coverage ratio.
As Head Collections-Africa with Barclays (2008-09), Prakesh upgraded the manual system to
automated system spanning 6 countries in North & Central Africa. He customized automation to
run as per prevalent product design and streamlined operational contingencies. Under his tenure,
the region witnessed improved month-on-month recoveries, reduced account delinquency and
increased profit margins. African continent was recognized as best in terms of impairment saves
among all emerging markets.
As Western Regional Head for Deutsche Bank (2007-08), Prakesh entirely built a strong CRM
structure for retails assets to combat delinquency in credit card and personal loan products.
Framed policies & procedures, built responsive system with trigger for risk identification and
mitigation.
As Regional Manager-West at HSBC (2005-07), Prakesh owned P&L responsibility for 5 states for
credit card and personal loan recovery vertical. The region saw improved recoveries for credit
cards and personal loans with drastic improvement in per head productivity. He was instrumental in
getting Six Sigma for Analysis for Recovery in 2007 and was awarded by the CEO for improvement
of recoveries.
In his earliest engagements with ICICI (2003-05), HSBC (2001-03) and Citibank Shelters (1998-
2001), Prakesh has managed collections for credit card, unsecured and secured loan products –
credit underwriting for cards, personal loans and mortgage products. He played a significant role in
re-establishing business across Gujarat post 2002-riots. Had effectively managed risk containment
for all retail products, uncovered fraud and managed to recover on most of the fraud set-ups and
utilized this experience to alert all the other competition financial institutions.