Vishal Joshi

About Vishal Joshi

Accomplished leader with 18 years of expertise in Credit Operations, Digital Transformation, Compliance, and Strategic Growth within the Financial Services Sector. Renowned for driving strategic initiatives that optimize P&L performance, portfolio health, and operational efficiency, with a strong focus on credit risk management, underwriting, commercial lending, and financial due diligence.A strategic thinker with a knack for transforming business vision into actionable strategies, consistently navigating complex landscapes and driving results. Expert in leveraging data-driven insights and risk assessment models to enhance decision-making, ensure compliance, and drive sustainable asset growth. Proficient in leading transformative initiatives that foster innovation, streamline operations, and improve customer experiences, all while upholding the highest regulatory standards.Agile and decisive, with a passion towards building, nurturing and empowering high-performing teams to deliver outstanding results. Recognized for forging strong relationships with key stakeholders, clients, and CXOs, driving measurable value and positioning financial institutions for long-term success. Core Competencies: Credit Risk Management, Underwriting & Decisioning Financial Due Diligence & Credit Assessment Digital Transformation & Process Automation Portfolio Management & Deal Structuring Regulatory Compliance & Risk Governance NPA Management, Credit Audits & Internal Process Audits Client Relationship Management & Stakeholder Engagement Executive Coaching & Team Development

Experience

1. Senior Vice President and Regional Credit Head

   Citi India

   Jan 2021 — Present · Gurugram, IN

   Leading credit lending operations for emerging corporate, and mid-market segments, driving strategic portfolio growth and risk governance. Spearheading high-impact initiatives to enhance credit quality, optimize revenue per customer, and implement bank’s digital-first solutions in trade and supplier finance. Partnered in various credit and internal audit ensuring compliance to internal and regulatory credit framework Driving the execution of a dominant bank approach to maximize revenue opportunities through strategic exposures and episodic deals. Led the development of an RBI-mandated NPA reporting automation system, integrating advanced risk indicators for proactive portfolio monitoring. Strengthening client partnerships by structuring tailored financial solutions for key sectors such as electronics, auto ancillary, and manufacturing.

Education

• Indian Institute of Banking & Finance

  CA-IIB (Certified Associate of Indian Institute of Banking) , Banking & Corporate Finance

  2012 — 2012

• Sardar Patel University

  Bachelor of Engineering (B.E.), Electronics and Communications Engineering

  2001 — 2005

• GLOBAL ASSOCIATION OF RISK PROFESSIONALS (GARP, USA)

  FRM (Financial Risk Manager), RISK MANAGEMENT

• Gujarat University

  Master of Business Administration (M.B.A.), FINANCE

  2006 — 2008

• Ahmedabad Management Association

  Diploma in International Business, International Business

  2007 — 2008

Skills

• Management
• Business Process Improvement
• Credit Analysis
• Credit Risk
• Credit Risk Assessment
• Business Strategy
• Due Diligence
• Business Analysis
• Leadership
• Valuation
• Analysis
• Investment Banking
• Risk Management
• Team Management
• Financial Analysis
• Business Intelligence
• Financial Modeling
• Mis
• Portfolio Management
• Corporate Finance