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Saloni's blog archive

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Saloni Ramakrishna

Saloni Ramakrishna

Senior Director at Oracle
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Bio Author, Columnist, Solution Architect, Vlogger, Blogger, Speaker and Panelist at prestigious Industry events. Career History Financial services industry practitioner with nearly three decades of experience. Rich hands on knowledge and real world perspectives in the areas of Risk, Compliance, Performance and Data Management.


Banking Strategy, Digital and Transformation

Industrialization of Risk and Regulatory Processes in Banking , The way forward

19 Mar 2019

I had, in my last blog, said “The objective of Industrialization is to drive innovation and efficiency by reengineering the value chain to add measurable value”. In this blog, I take a deeper dive into process of Industrialization with Stress Testing platform as the use case to illustrate the point. The regulators are demanding consistency across r...

Banking Strategy, Digital and Transformation

Navigating Regulatory demands - Industrialization, a win- win approach.

08 Oct 2018

The word “Industrialization” brings to mind manufacturing Industry, particularly automobile Industry. It was the 1950s, faced with unprecedent change, automobile industry took to Industrialization that spelt a paradigm shift which impacted both their business and operating models. Banks are going through a similar phase of not just unprecedent cha...

Financial Services Regulation

AnaCredit - Is it One regulation or Many? A look at the impact of National variations.

31 Aug 2017

It depends on who is answering that question. Really!! It is a single uniform regulation at the ECB (European Central Bank) level with clearly spelt our coverage. To ECB’s credit they have given comprehensive implementation information through the detailed AnaCredit Reporting manual, part 1, 2 and 3. The information that they expect from all the p...

Financial Services Regulation

AnaCredit - the Nuanced regulation

24 Apr 2017

I am quite fascinated with the European Central Bank’s (ECB’s) AnaCredit Regulation that came into effect on 18th May 2016 – A regulation that requires granular credit data sets from the national central banks (NCBs) of the member countries based on the data they collect from their constituents- Banks and Credit Institutions. The project was initi...