Kirtiman develops and applies analytics across areas in risk management, including designing rating methodologies, developing underwriting and portfolio management models, stress testing, loss forecasting, and technical validation of complex model networks.


Kirtiman has close to two decades of experience in risk management. At McKinsey, he has served a diverse set of institutions:

  • For banks, issuers, auto loan providers and multilateral institutions, he has led development of analytic approaches for credit assessment, approval, line management, and collections, and performed detailed diagnostics of credit risk management capabilities
  • For issuers, he has developed forecasting capabilities, integrating balance and loss assessment under different economic conditions.
  • For medium and large corporations and sovereign borrowers, he has developed rating methodologies, integrating both quantitative and qualitative elements of credit assessment.
  • He has also created enterprise risk management and stress testing programs for multilateral institutions, and has led large-scale model validation program for banks.

More recently, Kirtiman has been exploring use of high frequency data and machine learning techniques in risk assessment. He is also bringing his expertise in risk analytics to adjacent areas of banking -- in lead generation for mortgages, pricing for auto- and personal loans, and in optimizing bank branch networks.

Kirtiman holds a bachelor’s degree in industrial engineering from the Indian Institute of Technology, Kharagpur, India, and has an MBA from the Indian Institute of Management, Ahmedabad, where he was an Aditya Vikram Birla scholar.