Dharmesh Raghuwanshi
About Dharmesh Raghuwanshi
Dharmesh Raghuwanshi is a Product Manager specializing in Unsecured Lending at HSBC in Dubai, UAE, with over 15 years of experience in credit risk and business analytics. He has held various roles within HSBC, including secured lending and credit loss forecasting, and holds an MBA in Financial Management from Edinburgh Business School.
Current Role at HSBC
Dharmesh Raghuwanshi currently serves as a Product Manager for Unsecured Lending within the Business Function at HSBC. He has held this position since 2018, working in Dubai, United Arab Emirates. In this role, he manages the unsecured loans strategy for the MENAT region, focusing on P&L responsibility and aiming to grow the balance sheet and revenue.
Previous Experience at HSBC
Prior to his current role, Dharmesh Raghuwanshi worked at HSBC in various capacities. He served as a Product Manager for Secured Lending from 2015 to 2018, and as a Regional Manager for Portfolio Strategy in the Credit Risk Function from 2008 to 2011. He also held the position of Regional Manager for Credit Loss Forecasting from 2012 to 2015, and worked as a Lead Analyst in the Credit Risk & Collections Function from 2005 to 2008. His extensive experience at HSBC spans over 13 years.
Education and Expertise
Dharmesh Raghuwanshi holds a Bachelor of Science in Business Management from the London School of Economics and Political Science, where he studied from 2004 to 2007. He also earned an MBA in Financial Management from Edinburgh Business School, Heriot-Watt University, completing his studies from 2009 to 2011. His educational background supports his expertise in credit risk and business analytics.
Background in Credit Risk and Product Management
With over 15 years of experience, Dharmesh Raghuwanshi has developed a strong background in managing consumer products and credit risk. His focus includes product and P&L management, customer onboarding, and end-to-end product lifecycle management. He possesses strong collaboration and engagement skills, effectively working with stakeholders to enhance customer experience and achieve business objectives.
Skills in Complex Environments
Dharmesh Raghuwanshi effectively navigates complex matrix environments, meeting the expectations of both internal and external stakeholders, including regulators and auditors. His proven track record in credit risk and business analytics is complemented by a focus on flexible working practices, which enhances his ability to deliver optimal business outcomes.