Vipul Mehta

Banking and financial services leader with progressive 25+ experience in retail lending, gold loans, branch banking, and partnership-led credit distribution, including regional P&L ownership at a leading private sector bank and current responsibility for pan-India retail partnerships in NBFC operations. Strong track record across business expansion, portfolio growth, branch productivity, partner network development, and balance-sheet management, with delivery of large-scale outcomes such as growth of retail assets from ₹6000 Cr to ₹10000 Cr, management of a ₹20000 Cr+ business book, scaling of a gold loan portfolio to ₹3150 Cr AUM, and creation of a 100+ partner Business Correspondent network generating ₹400 Cr+ annual disbursals. Core strengths include strategic partnerships, revenue-sharing model design, retail assets, CASA growth, cross-sell, risk control, compliance, portfolio quality, turnaround management, team leadership, and cross-functional coordination across Risk, Operations, Technology, and Legal. Demonstrated capability in improving operating efficiency through branch rationalization, digital adoption, API-based partner integration, and alignment of LOS and LMS platforms, resulting in significant reductions in loan processing turnaround time, stronger activation rates, and scalable partner-led lending. Experience also includes maintaining disciplined asset quality and regulatory adherence through RBI-aligned Business Correspondent operations, early warning frameworks, LTV controls, re-appraisal protocols, and delinquency management, supporting low NPA and PAR levels alongside profitable growth. Holds a B.Com from Commerce College, Rajasthan University, and offers a commercially driven profile suited to senior roles in retail banking,