Bijoy Thaplial

About Bijoy Thaplial

CXO-Level BFSI Leader | Strategic Growth Architect | Transformational BFSI Leader | India–UAE Market Specialist | P&L Growth Architect | Digital Banking/lending AdvocateSeasoned BFSI executive with 28+ years of leadership experience across India and the UAE, driving transformative growth in banking and lending ecosystems. Proven track record of scaling multi-billion-dollar portfolios, optimizing risk frameworks, and delivering sustained P&L acceleration across secured, unsecured, and SME lending products.As a strategic business leader, I’ve led cross-functional teams of 500+ across Sales, Product, Risk, and Distribution, consistently aligning operational execution with board-level vision. My leadership has enabled successful market entries, turnaround strategies, and digital-first initiatives that reshaped customer engagement and portfolio performance. Key Achievements & Capabilities- P&L Ownership & Growth: Delivered 35% YoY growth in SME lending portfolio; reduced cost-to-income ratio by 12% through process reengineering- Digital & Tech Leadership: Spearheaded end-to-end digitization of lending workflows, integrating AI-driven credit scoring and real-time risk monitoring- Risk & Governance: Built robust credit and compliance frameworks aligned with regulator framework- Strategic Partnerships: Forged fintech alliances and co-lending models to expand reach and diversify revenue streams- Market Expansion: Led greenfield launches in Tier 2/3 cities in India and UAE, scaling operations to profitability within 18 months of launch of product- Board & Regulatory Engagement: Regularly interfaced with boards, auditors, and regulators to align strategy with governance and compliance mandates.I bring a future-ready mindset, blending deep domain expertise with a passion for innovation, stakeholder value creation, and sustainable financial leadership.

Experience

1. Cbo - Leasing Partnerships Payments

   Mahindra Finance

   Aug 2024 — Present · Mumbai, IN

Education

• Symbiosis Institute of Management Studies

  PGDM, Marketing

  1995 — 1997

• Symbiosis college of Arts and Commerce

  Bachelor's degree, Business/Commerce, General

  1992 — 1995

• Pune University

  Master's degree, Business/Commerce, General

  1995 — 1997

Skills

• Cross Selling
• Financial Services
• Crm
• Management
• Financial Analysis
• Sales Management
• Leadership
• Vendor Management
• Marketing
• Retail Banking
• Portfolio Management
• Competitive Analysis
• Loans
• Strategic Planning
• Credit Cards
• Sales
• New Business Development
• Banking
• Team Management
• Relationship Management
• Customer Relationship Management (Crm)
• Business Strategy
• Business Analysis
• Business Development
• Strategy