Vidya Purohit
Policy Head Digital Lending for Retail Products @ICICI Bank
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WORK HISTORY
Policy Head Digital Lending for Retail Products @ICICI Bank
Digital lending for all retail products - which constitutes pre- approved offering, digital underwriting (business rule engines, journey, usage of risk based models and scorecards,and relevant integrations)
EDUCATION
Indian Institute of Banking and Finance
JAIIB, CAIIB
Institute of Chartered Accountants of India - ICAI
CA
SKILLS
ABOUT VIDYA PUROHIT
I have a 15 years plus banking experience in the business banking segment for credit appraisal, underwriting and policy and portfolio management. This includes both secured as well as unsecured portfolio. Have been instrumental in setting up tools/systems for identifying early stress in the portfolio.Also handled retail products, unsecured loans both personal and business loans. Been instrumental in the journey of increasing the unsecured loans book and relaunch of Education loansHave been a key member during relaunch of pre-approved loans for retail products.Have also been handling credit cards portfolio alongwith products like consumer finance and BNPLCurrently handling the digital lending for all retail products, which includes pre- approved loans as well as bre based digital approvals.My current role also involves (i) collaborating with the analytics team on scorecard model development, providing inputs on data selection, parameter design, and overlays to improve accuracy and outcomes.(ii) Working with the digital team to suggest enhancements in customer journeys and engagement flows, driving better customer experience and business results.
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