Vishhal More

Successfully leading Commercial Vehicles & Construction Equipment with portfolio Size of 16000 MIOs, spread across 80+ branches all over India.

- Reports to Head Risk – Secured Urban (CV, CE, LAP, LAS and Market Risk)

Managed key products like Tractor/Farm Equipments, Commercial Vehicles, Construction Equipments & Inventory Funding with AUM of 55000 MIOs with 22 branches, managed Trade Advance for product like TW, Consumer Durables and Used Car dealer network.

- Reports to Head of Risk – Wheels (TW, CV, CE and Used Cars)

Selected from a pool of 150 Credit Managers and ACMs to lead the automation and digitalization of the entire credit process for the credit vertical and CTG product, overseen and managed an AUM of 470,000 MIOs.

- Reports to Risk Strategy Head (Risk Strategy Unit – RSU)

Rs. 500 Lacs approving authority for CV & CE Retail and Large Ticket Loans including Health Care Finance.

Ensured customer credit assessment, evaluating customer banking behaviour, income surrogates, cash-flow strength, asset type, dealer profile, and local market risks to ensure robust appraisal of wheel-segment borrowers.

Ensured design, refine, and implement automated workflows, scorecards, and rule engines to reduce manual intervention, improve TAT, and enhance decision accuracy and work with Product, Tech, Operations, Legal, and Collections to remove bottlenecks, improve customer journey efficiency, and introduce new automation or decision tools.

Own the end-to-end appraisal for applications routed through the CPU, ensuring uniform underwriting standards, strong financial analysis, and strict adherence to credit policy across all location.

Maintained Dealer accounts with respect to TA account with all key financiers. Ensure reconciliation with dealer account with all key banks.

Successfully handled accounts of the key customers and ensure adherence of key norms of Income Tax Rules and Regulations Act.