Neil Francisco — Group Head of Retail Credit Underwriting & Risk Control at HDFC Bank Limited

Mr. Neil Francisco serves as Group Head of Retail Credit Underwriting & Risk Control Department at HDFC Bank Limited and served its Group Head of Underwriting, Risk Intelligence & Control. Mr. Francisco joined HDFC Bank in 2002 and has over 25 years of experience. Prior to joining the HDFC Bank, he worked for companies such as 20th Century Finance Limited, GE Capital Services and Standard Chartered Bank. He holds a Bachelor's degree in Mechanical Engineering from the Mumbai University and a Master in Business Administration degree in Finance and Marketing from the Massachusetts University, U.S.A.