Vikram Singh Pathania
Building AI-First Lending @ Cars24
- Role
- Vice President - Consumer Finance at Cars24
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Vikram Singh Pathania
25 years of experience in driving growth, digital transformation, and strategic leadership in BFSI across secured & unsecured lending, banking, insurance, and wealth management. Proven expertise in building and scaling businesses in Consumer Durable Loans, Personal Loans, Credit Cards, Auto Loans, Home Loans, and Insurance.P&L ownership and business growth – strong track record of driving profitability while building sustainable business models.People & relationship management – skilled at nurturing high-performing teams, forging strong stakeholder relationships, and building customer-centric ecosystems.Deep understanding of consumer finance – in-depth knowledge of industry dynamics, consumer buying behavior, business development strategies, and negotiation.Technology & digital transformation – hands-on experience in leveraging fintech platforms, analytics, CRM systems, loan origination systems (LOS), learning management systems (LMS), and AI/ML-based decision engines to drive automation, enhance collections, optimize risk models, and scale customer acquisition. Proficient in aligning technology stacks with business priorities to deliver efficiency, compliance, and superior customer experience across lending and insurance ecosystems.Recognized for consistently delivering results, shaping strategy with management teams, and setting high standards of execution across organisations like Bajaj Finserv, HSBC Bank, GE Money, and Cars24
Experience
Vice President - Consumer Finance
Jun 2023 — Present · Gurugram, IN
Leading Lending, Collections & Insurance at CARS24Currently responsible for driving Retail & Wholesale Lending, Collections, and Legal functions at Cars24, while also building INSURE24, the company’s foray into the insurance space.Scaling Used Car lending across B2B segmentsDriving end-to-end collections strategy & legal verticalDesigning and implementing risk-aligned lending frameworksBuilding INSURE24 from the ground up to offer seamless, tech-led insurance solutionsCollaborating cross-functionally to align lending and insurance strategy with business growthFocused on building a robust, scalable, and customer-centric financial ecosystem at CARS24.
Education
Symbiosis Institute of Management Studies
MDBA, Marketing
2001 — 2003
Maharshi Dayanand Sarswati University
Bachelor of Commerce - BCom, Business/Commerce, General
1996 — 1999
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