Vinod Kumar V.

About Vinod Kumar V.

With more than 26 years of experience in the banking industry, Vinod has hands on…

Experience

1. Chief Risk Officer

   Vistaar Financial Services Pvt Ltd

   Jun 2022 — Present

   Accomplishments : • An end to end digital credit decision workflow with minimal manual inputs. • Surrogate onboarding scorecard based on historical credit repayment behaviour, current cash flows, and financial leverage. • Standardised the credit underwriting methodology. • Customer rating model to ascertain the probability of default based on the historic repayment • Devised comprehensive credit policy, KYC policy, and Product policy for the company. • Rolled out statewise collateral policy by defining the credit appetite for each type of collaterals. • Algo based pre-approved loans to existing customers based on prior and posterior variables. • Supervised and successfully rolled out the Expected Credit Loss (ECL) model. • Developed a comprehensive credit decisioning training module to train the internal resources. Responsibilities : • Manage the Enterprise Risk of Vistaar – Credit Risk, Operational Risk, and Market Risk. • Responsible to report to Credit Risk Committee of the Vistaar Board on the Enterprise Risk of the Company. • Ensure regulatory compliance by standardising the process through policies. Ensure compliance of Basel Pillar 2 requirements. • Ensure the business growth of the company by devising the products with a balanced approach between risk and reward. • Develop the leaders in the team through mentoring process to equip them to take up the key roles.

Education

• Mahatma Gandhi University

  Bachelor of Science - BS, Chemistry

  1991 — 1994

• Great Lakes Institute of Management

  Post Graduate Program in Business Intelligence and Business Analystics

  2017 — 2018