Varun Vijit Singh

Vice President - Group Head of Credit, Risk and Finance @Bahwan International Group

OM

Strategic Planning• Develop and Implement Strategy: Create and execute comprehensive Credit, Operations, and Collections strategies in alignment with the organization’s growth objectives.• Continuous Improvement: Regularly assess and update underwriting, debt servicing, and operational Standard Operating Procedures (SOPs) using industry best practices and benchmarks to enhance efficiency and cost-effectiveness.• Governance and Reporting: Establish robust governance and reporting systems to monitor operational costs, ensure compliance with targets, and drive cost reduction initiatives.Credit Underwriting and Disbursement Approvals• Policy Design: Formulate and institutionalize credit policies, processes, and approval limits that align with market standards, business requirements, customer needs, and regulatory compliance.• Policy Review: Periodically review and revise credit policies based on changing business environments and industry benchmarks.• Product Development Support: Offer expert guidance to the Product Team in assessing products from a credit risk perspective, ensuring the creation of profitable and sustainable offerings.Debt Service Management / Collection• Delinquency Management: Implement SOPs and tracking mechanisms to keep delinquency levels within target thresholds through timely collection efforts, focusing on cost reduction.• Target Setting: Contribute to setting collection operation targets by analyzing market data and previous trends to ensure long-term profitability.Financing Strategies• Short-Term Financing: Develop and manage short-term financing options to support daily operations, ensuring liquidity and cash flow stability.• Long-Term Financing: Strategize and secure long-term financing solutions to fund strategic initiatives, capital expenditures, and business expansion, aligning with the organization\'s growth plans and financial sustainability.

Hemwati Nandan Bahuguna Garhwal University

Bachelor of Commerce - BCom, Business/Commerce, General

Hemwati Nandan Bahuguna Garhwal University

Master of Arts - MA, Economics

Academy of Management Studies (AMS MBA College)

PGDBA Finance and Marketing

Welham Boys School

ISC, English, Mathematics Commerce, Accounts & Economics.

Welham Boys School

ICSE, All compulsory subjects