Shyamal Sinha

Senior banking, credit and stressed asset management professional with over 37 years of international experience across India, Saudi Arabia, Bahrain, Oman, and Egypt. Expertise includes policy writing, remedial management, restructuring strategy, stressed asset resolution, banking governance frameworks, regulatory compliance, and institutional credit risk management. Formerly associated with leading international banking institutions including Saudi National Bank/SAMBA and HSBC.

Currently engaged as an independent consultant documenting policies and advising on restructuring, recovery strategy, and governance matters.

Independent Consultant at Stressed Assets Solutions, India (2022-01 – Present)

• Advising distressed businesses on restructuring strategy, lender negotiations, remedial frameworks, recovery planning, and revival-oriented resolution approaches.
• Developing regulatory-aligned policy structures for banking and financial services entities, including a Middle Eastern Digital Bank during licensing and implementation stage.

Head – Institutional Remedial Management at Saudi National Bank / SAMBA Financial Group (2008-01 – 2022-12)

Handled institutional remedial management and governance functions for one of the largest banking groups in the MENA region. Responsible for formulation of remedial management policies, oversight of stressed corporate exposures exceeding SAR 16 billion, and alignment of recovery frameworks with Saudi Central Bank (SAMA) regulatory guidelines. Also conducted internal training programs on Credit Risk, Policy Governance, and Remedial Management practices and initiatives relating to concentrated lending risks in Saudi Arabia.

Deputy Head – Commercial Banking & Compliance Officer at Bahraini Saudi Bank (2005-01 – 2008-12)

Managed Compliance, AML Governance, Operational Risk, and Commercial Banking policy functions. Developed SOPs aligned with Central Bank of Bahrain regulations and contributed to Business Continuity Planning, Disaster Recovery, Retail Asset Policy review, and sectoral risk concentration frameworks.

Manager Credit (Oman) & Head – Remedial Management (Egypt) at National Bank of Oman (2002-01 – 2005-12)

Designed and implemented remedial management frameworks for corporate and retail portfolios across Oman and Egypt operations. Led restructuring and recovery strategies for non-performing assets and developed institutional credit risk guidelines to strengthen portfolio quality and recovery outcomes.

Retail Credit, Risk Management & Collections Functions at HSBC India (1985-01 – 2002-12)

Established regional Retail Credit and Collections Governance frameworks for Eastern India, standardizing risk mitigation protocols across multi-product portfolios. Managed retail credit risk, collections governance, fraud mitigation, and trade finance.

MBA – York St John University

Bachelor of Commerce – India