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Meet Lakshmanan Balachander

Director, Deloitte & Touche LLP

Lakshmanan Balachander (Bala) is a director in Deloitte’s Enterprise Risk Services group where he focuses on large-scale risk transformation programs with emphasis on capital strategy and management, implementation of Basel II/III Accords, CCAR/stress testing and selected Dodd-Frank Wall Street Reform and Consumer Protection Act requirements. He also focuses on credit risk management with emphasis on commercial portfolios, asset backed lending and securitizations. Bala’s areas of emphasis include risk infrastructure, data management and data governance.

He has over 20 years of experience helping banks and financial institutions realize value by process transformation, operational streamlining, new product/process development and the strategic use of emerging technologies.

Bala has effectively served several diversified financial institutions including banks, broker dealers, insurance and credit card firms in the United States and globally.

Bala has an MBA in Finance and Strategy from the University of Michigan and a BS in Electrical Engineering from the Indian Institute of Technology.

As used in this document, “Deloitte” means Deloitte Tax LLP, a subsidiary of Deloitte LLP. Please see for a detailed description of the legal structure of Deloitte LLP and its subsidiaries. Certain services may not be available to attest clients under the rules and regulations of public accounting.

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