Kirtana Ragulan
About Kirtana Ragulan
Kirtana Ragulan is a Director and Credit Risk Officer at UBS, where she has worked since 2022. She has extensive experience in credit risk analysis, having held positions at notable firms including Goldman Sachs, Barclays Capital, and RBS.
Current Role at UBS
Kirtana Ragulan serves as the Director and Credit Risk Officer for Central Counterparties (CCPs) at UBS. She has held this position since 2022, contributing her expertise in credit risk management. In this role, she is responsible for overseeing credit risk assessments and ensuring compliance with regulatory requirements related to CCP operations.
Previous Experience in Credit Risk Management
Kirtana Ragulan has extensive experience in credit risk management across various financial institutions. She worked at Goldman Sachs as a Credit Risk Reporting Analyst for six months in 2012. Following this, she joined Barclays Capital as a Credit Risk Analyst from 2010 to 2012. She also held positions at RBS as a Credit Risk Reporting Analyst from 2013 to 2015 and as a Credit Risk Business Analyst from 2015 to 2017.
Education and Expertise
Kirtana Ragulan holds a Bachelor of Arts degree in Business Finance from Durham University, where she studied from 2004 to 2007. She furthered her education at Cranfield School of Management, earning a Master of Science in Finance and Management in 2008. Her educational background supports her expertise in financial analysis and risk management.
Career Progression
Kirtana Ragulan's career in finance began as a PMO Analyst at Bryok from 2008 to 2010. She later transitioned to various roles in credit risk analysis and reporting. After her initial tenure at UBS from 2018 to 2022 as Director of Credit Risk Reporting & Analysis, she returned to UBS in her current role. Her career reflects a steady progression in responsibilities and expertise in credit risk.