Why Good Loans Go Bad – Inside the Hidden Failures of Risk and Governance

Description

The book is built around a simple but powerful premise:
Financial failures do not happen suddenly.
They develop silently, long before they become visible.
Every stage of the lending process contains signals and warnings. However, institutional behavior, organizational culture and governance structures often prevent these signals from being acted upon. The result is an illusion of safety that persists until losses finally surface.

About The Author

Rampaul Sharma- the author is a seasoned banking and governance professional with 37+ years of leadership experience across credit, risk management, HR, branch operations, and impaired asset resolution.
He successfully reduced Gross NPAs from 6.5% to 3.4%, strengthening profitability and institutional resilience.
His expertise spans corporate governance, credit oversight, NPA recovery, risk frameworks, regulatory compliance, and organizational transformation.
He led the first large-scale recruitment drive in over two decades at J&K Grameen Bank and championed transparent people-governance practices.
An IICA-Certified Independent Director, he brings deep insight into board oversight, enterprise risk management, and institutional discipline.
He is passionate about helping banks, NBFCs, microfinance institutions, and SMEs build sustainable growth through strong governance and proactive risk management.