Why the combination of committees matters

Audit, risk and nominations are often administered as separate calendars. This seat is intended to connect them. A recurring credit exception may be a policy problem, a systems problem, a capability problem or an incentive problem; an apparently robust quarter can change capital and liquidity choices; and a control-function vacancy can alter the institution's risk posture before any limit is breached. The director is expected to follow these connections across committee boundaries and ensure that the full Board sees them.
The role is suited to an experienced banking or financial-services leader who respects prudential detail but can still frame the strategic question. The Board needs challenge that is calm, evidence-led and persistent enough to survive reassuring averages.

Core work of the seat

Asset quality and provisioning: Review portfolio movement by segment, geography, vintage and risk grade. Challenge cure, restructuring,



write-off and recovery patterns; assess management overlays and collateral assumptions; and require back-testing of material judgements. The director should be alert to growth-driven denominator effects and delayed stress recognition.

Capital and liquidity: Examine internal capital adequacy, concentration, stress losses, recovery options, deposit behaviour and the operational feasibility of contingency funding. Capital planning should reflect technology, compliance and people investment as well as balance-sheet growth. Dividend or expansion choices must be tested against adverse scenarios rather than minimum ratios alone.

Internal control and financial reporting: Scrutinise reconciliation breaks, access controls, suspense accounts, treasury valuation, income recognition, fraud treatment, regulatory returns and closure of repeat audit findings. The Audit Committee must be able to distinguish an isolated exception from a control design that has ceased to fit the business.

Operational resilience: A

📌 Independent Director (Thrissur)
🏢 Gladwin International
📍 Thrissur