Vishal Dewani
Retail Lending, Credit Cards, DSA
Jaipur
Summary
Dynamic and growth-focused business leader with over 15 years of experience in the retail lending sector, specializing in credit cards and personal loans. Proven expertise in team leadership, partner management, and strategic execution within competitive markets. Skilled in driving sustainable business growth through data-driven decision-making, operational excellence, and strong stakeholder relationships. Committed to achieving organizational goals with integrity while continuously enhancing knowledge and skills to foster ongoing success.
Overview
15
15
years of professional experience
1
1
Language
Work History
Proprietor / Managing Director
Hem Associates / Hemtek Finserve Private Limited
07.2018 - Current
- Founded and scaled Hem Associates( From July'18) & thereafter Hemtek Finserve Private Limited (From Feb'21 onwards) into a high-performing financial distribution firm specializing in credit cards and personal loans.
- Built and nurtured strategic alliances with leading banks and NBFCs, negotiating product portfolios, payout structures, and service-level agreements to enhance business profitability.
- Oversaw credit policy adherence, operational risk management, and compliance across the sales lifecycle, ensuring high-quality sourcing and minimal delinquencies.
- Designed and executed robust GTM (Go-To-Market) strategies across Rajasthan, optimizing regional market penetration through data-backed customer segmentation and channel diversification.
- Grew credit card issuance from 0 to 2,000+ cards per month within a defined timeframe through strategic partnerships and team-driven sales execution. Expanded personal loan disbursals from ₹0 to ₹5 Cr per month, building a strong customer base and lender network.
- Built the organization from scratch — recruited, trained, and led a 80-member team across sales, operations, and support functions.
- Instituted a performance-driven culture by establishing KPIs, incentive programs, and continuous improvement frameworks, resulting in consistent achievement of quarterly targets.
- Designed and implemented training programs to upskill team members in product knowledge, compliance, customer engagement, and performance tracking.
- Oversaw end-to-end business operations, including sourcing, onboarding, documentation, compliance, and post-sale service.
- Acted as P&L owner with full accountability for revenue growth, cost optimization, and strategic investments to scale the business sustainably.
Business Manager
RULOANS Distribution Services Private Limited
01.2017 - 07.2018
- Spearheaded the credit card and personal loan business across Rajasthan, overseeing sales, operations, and portfolio growth.
- Managed relationships with leading banks and financial institutions to secure competitive products, and maximize distribution potential.
- Ensured credit quality through effective risk management, adherence to KYC guidelines, and oversight of the portfolio.
- Monitored key performance metrics, including approval ratios, bounce rates, delinquencies, and portfolio health indicators.
- Conducted market analysis to identify new customer segments and expansion opportunities across urban and semi-urban markets.
- Built and led a high-performing sales team, both FOS & Tele-sales, driving customer acquisition and consistently exceeding monthly disbursal and issuance targets.
- Led training and development initiatives to upskill staff on product knowledge, compliance, and customer engagement.
- Ensured 100% compliance with RBI guidelines, internal audits, and partner-specific operational standards.
Sales Manager (Grade – Senior Manager)
RBL Bank Limited
11.2016 - 01.2017
- Working as a Sales Manager (Grade – Senior Manager) in LAP (Loan Against Property) for the Jaipur region.
- Coordinating with the DSA channels in the Jaipur region for loan-against-property business.
- Drove regional sales growth, implementing innovative marketing strategies and cultivating key partnerships.
- Experienced in team handling and management, overall accurate and timely delivery (TAT) through appropriate delegation and monitoring.
- New tie-up with DSA’s for loan against property.
- Optimized sales funnel management, enhancing lead generation and conversion rates.
- Aligned company goals with customer outcomes and increased satisfaction by automating contact management systems.
- Compiled and analyzed data to determine approaches to improve sales and performance.
Area Sales Manager (Grade - Manager)
IndusInd Bank Limited
03.2015 - 11.2016
- I worked as an Area Sales Manager (Grade - Manager) in Personal Loans and Credit Cards for the Rajasthan region.
- Started the personal loan business vertical in the Jaipur region with team hiring, channel empanelment, and association with branches.
- Coordinating with the DSA channel in the Rajasthan region for personal loan business.
- Experienced in recruitment and training of the team.
- Managed a successful sales team, consistently achieving monthly sales targets along with efficient team training.
- Helped team stay productive and focused on higher-value tasks to improve sales efficiency.
- Expanded market share through effective prospecting, lead generation, and negotiation skills, with onboarding new DSAs for the personal loan & credit card vertical.
- Achieved established KPI for company, regional team and individual performance through teamwork and focus on customers.
- Coordinating more than 20 branches for the personal loans and credit cards business.
- Successful resolution of queries within TAT.
Relationship Manager (Deputy Manager – Band II)
ICICI Bank
03.2011 - 03.2015
- Working as a Relationship Manager (Deputy Manager – Band II) in the Payment Solution Group, Credit Cards & personal Loan for the Rajasthan region.
- Experienced in team handling and management, overall accurate and timely delivery through appropriate delegation and monitoring.
- Coordinating more than 100 branches for the Credit Card, Personal Loan, and Payment Solution Group.
- Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth through new tie ups with numerous corporations for the Pay Direct Card & FFMCs for Travel Card.
- Improved client engagement strategies, leading to marked increase in client referrals and network expansion.
- Coordinating with more than 60 branches in the Rajasthan region for travel cards.
Analyst
Deutsche Bank (DBOI)
04.2010 - 03.2011
- Worked as an Analyst in DBOI Admin Team (BMSC Department).
- Handled Critical Departments for request raising.
- Trained downline team-members on the process.
- Increased efficiency by streamlining data analysis processes and implementing automation tools, resulting in successful resolution of queries within TAT.
- Received STAR AWARD, for demonstrating exceptionally fast learning skills during process migration from Mumbai and ensuring effective delivery with 100% CSF.
Education
M.B.A. - Finance & Marketing
B.I.T. Mesra
01.2010
B.Sc. - undefined
Maharaja College
01.2008
H.S.C. - undefined
M.H.S. School
01.2004
S.S.C. - undefined
M.H.S. School
01.2002
Skills
- Sales Leadership & Team Building
- Customer Acquisition & Retention
- Channel Development & Partner Management
- Market Penetration & Regional Expansion
- Recruitment, Training & Performance Management
- Microsoft Office ( Excel, Word, Powerpoint)
Interests
Listening to Music, Swimming, Playing Cricket & Volley-ball, Marathon
Accomplishments
- Stood 2nd in Quiz Competition organized by Lions Club.
- Class Representative in School
- Participated in Full & Half Marathons
Extra-Curricular Activities
Played district level volley-ball at school level Representative of winning team for inter school volley-ball championship Representative of house in school
Disclaimer
I hereby declare that the above information furnished is true to the best of my knowledge and belief. Date: Place: VISHAL DEWANI
Professional Qualification
Completed M.B.A. from Birla Institute of Technology, Mesra, Ranchi (Extension Centre – Jaipur) in Finance & Marketing.
Strengths
- Diligent & committed
- Ability to network and maintain strategic relationships
- Passionate towards learning new skills & concepts
- Self-motivated & Quick learner
Timeline
Proprietor / Managing Director
Hem Associates / Hemtek Finserve Private Limited
07.2018 - Current
Business Manager
RULOANS Distribution Services Private Limited
01.2017 - 07.2018
Sales Manager (Grade – Senior Manager)
RBL Bank Limited
11.2016 - 01.2017
Area Sales Manager (Grade - Manager)
IndusInd Bank Limited
03.2015 - 11.2016
Relationship Manager (Deputy Manager – Band II)
ICICI Bank
03.2011 - 03.2015
Analyst
Deutsche Bank (DBOI)
04.2010 - 03.2011
B.Sc. - undefined
Maharaja College
H.S.C. - undefined
M.H.S. School
S.S.C. - undefined
M.H.S. School
M.B.A. - Finance & Marketing
B.I.T. Mesra