New Delhi: Padmini Bulani exemplifies excellence in financial risk management with 14 years of transformative experience across global financial institutions. Her expertise spans funding and liquidity risk management balance sheet optimization and regulatory compliance demonstrating mastery in implementing sophisticated risk frameworks. As a Chartered Accountant and certified Financial Risk Manager (FRM) she brings comprehensive knowledge across liquidity risk management financial analysis stress testing and capital management. Her work with major banking organizations has involved leading numerous critical initiatives in liquidity risk management implementing robust risk frameworks and driving innovation in financial risk practices. Q1: How do you approach liquidity stress testing? A: Liquidity stress testing requires comprehensive planning and stakeholder engagement. When implementing testing frameworks I focus on detailed assumption reviews and scenario analysis while ensuring regulatory compliance. Implementation begins with establishing robust testing methodologies to ensure accurate risk assessment. Regular validation and coaching of team members to ensure consistent execution. Through careful analysis and monitoring in order maintain strong liquidity buffers while optimizing resource utilization. Q2: Whats your methodology for risk limit setting? A: Risk limit setting demands a strategic approach focused on business growth and risk appetite alignment. The key is developing metrics that effectively highlight key risks areas. Regular review and calibration ensure limits remain relevant. Working closely with business units helps maintain effective risk management while supporting strategic objectives. Q3: How do you manage regulatory compliance? A: Regulatory compliance requires deep understanding of Federal regulatory requirements. My approach involves interpreting and implementing regulations like LCR NSFR and various supervisory requirements. Regular monitoring ensures continued compliance while supporting business growth. Documentation of procedures ensures consistent application. Training of teams guarantees effective implementation of regulatory frameworks. Q4: Whats your approach to balance sheet management? A: Balance sheet management requires thorough understanding of funding needs and market conditions. The development of comprehensive funding plans ensures sustainable growth within risk appetite. Regular monitoring of market conditions enables proactive management. Integration with business strategies ensures optimal resource utilization. Q5: How do you handle crisis management? A: Crisis management requires quick analysis and clear communication. Regular Board and executive committee discussions ensure alignment on crisis handling strategies. Development of resolution and recovery plans provides structured response frameworks. Q6: Whats your strategy for risk reporting? A: Risk reporting demands clear communication of complex information. Implementing comprehensive reporting frameworks for various committees including Board and Risk Management committees. The approach includes developing metrics that effectively highlight risks and trends. Regular reviews ensure reporting remains relevant and actionable. Integration of business insights enhances decision-making effectiveness. Q7: How do you approach process optimization? A: Process optimization requires systematic analysis and innovative solutions. I focus on identifying efficiency opportunities and implementing automated solutions. Through careful review and redesign I have achieved significant improvements in operational timelines and team communication. Regular assessment ensures continuous improvement in risk management processes. Q8: Whats your perspective on funds transfer pricing? A: Funds transfer pricing frameworks must balance business needs with risk management. I focus on reviewing and challenging pricing methodologies in line with risk appetite. The approach includes assessing impacts on internal liquidity metrics and business profitability. Regular calibration ensures pricing remains aligned with risk appetite and business strategy. Q9: How do you manage new product initiatives? A: New product initiatives require careful risk assessment and proactive management. It is important to  review impacts on funding requirements and liquidity metrics. The approach includes analyzing both internal and external metrics across regions. Integration with existing risk frameworks ensures consistent risk management. Q10: How do you see the future of risk management? A: Risk management continues evolving with market conditions and regulatory requirements. Focus on data analytics and automated monitoring will increase operational efficiency. Integration of climate risk considerations will become increasingly important. Enhanced stress testing frameworks will provide better risk insights. Continued adaptation to market changes remains essential. About Padmini Bulani Padmini Bulani is a distinguished financial risk management leader with dual qualifications as a Chartered Accountant and Financial Risk Manager (FRM). Her expertise spans funding and liquidity risk balance sheet management and regulatory compliance with deep knowledge in financial modeling and stress testing. Her technical capabilities include SQL Oracle Suite PowerBI and various financial analysis tools. Through her leadership she continues to drive innovation in risk management practices particularly in stress testing methodologies and risk metrics development. Her ongoing work focuses on strenthening risk management frameworks while maintaining operational efficiency. FIRST PUBLISHED: 14th October 2022