Expected Credit Loss (ECL) Implementation: Challenges & Best Practices

Jatin heads Grant Thornton Bharat’s ECL practice. With over 17 years of experience, he has guided more than 75 banks and financial institutions across India, the UK, Australia, the UAE, Singapore, Mexico and other regions to enhance their ECL frameworks and align with global regulatory standards.

A recognised authority in IFRS 9, CECL, and international model risk management—including CBUAE MMS/MMG, SR 11-7, and the PRA’s MRM principles—Jatin is a regular speaker at industry summits and roundtables. His perspectives on ECL and credit risk feature in leading publications, and he is passionate about harnessing automation to drive transformation in ECL processes.

Sarvesh specializes in audit and advisory for banks and financial services. With more than 25 years of experience, he has served Indian and international institutions, guiding them through multiple credit cycles across diverse geographies. Sarvesh’s expertise spans credit risk management, board-level collaboration, and industry governance, offering strategic insights into contemporary challenges and solutions. 

Shailesh is a senior risk management professional with 20 years of experience in credit risk and technology. In his current role at BNP Paribas, he is responsible for major credit decisions, credit risk assessment and governance matters.

Shailesh is dedicated to building a strong risk culture. He champions cross-functional collaboration and drives professional networking through credit risk forums in Mumbai. He also serves as the co-director at the GARP Mumbai Chapter.

He holds a Master of Management Studies (Finance) and a Bachelor of Engineering in Computer Science. He is a certified FRM and holds the SCR and RAI certificates.