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Vikas has over 12 years of Credit Risk and Collections management experience in Retail Banks and Telecoms across Matured and Emerging Markets. He specializes in Portfolio analysis and management, optimizing of operations to minimize costs and credit losses, and Risk Strategy planning. He is based in Germany and has experience in the German retail credit market in Policy formulation, Risk Strategy planning for Collections / Recoveries portfolio (All Retail Banking Products). Vikas has worked as a Risk Manager - Policy and Strategy at Citibank in Germany. He worked as a Business Analyst in Collections and Risk Operations at GE Consumer Finance- India Bank Cards in India and as an Executive at Credit Management Group, Swisscom JV in India (which is now Vodafone India).

The changing face of online fraud...

Posted on Sep 10 2015 by
Across the globe, more and more people are shifting to digital channels rather than traditional channels (such as the branch or store) to shop and manage their finances. This change in consumer behaviour has led to higher online...

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Collections scorecards and risk segmentation...

Posted on Dec 10 2013 by
The collections dynamics The collections dynamics based on different organisations and product portfolios (unsecured/ secured lending; revolving / non-revolving) can have a different timing split and use different terms for...

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Credit Risk Management Challenges in Telcos...

Posted on Jun 14 2013 by
Telcos today are facing lot of challenges to manage the portfolio risk. This is largely due to the missing link of the Credit and Risk management in the entire customer life cycle. In telecommunications this has historically...

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Collections Scoring Models for Autofinance portfolio...

Posted on Jun 14 2013 by
Auto finance is one of the important retail products offered by most of the banks and more importantly by the automobile manufacturers also having a dedicated business unit for Financial Services. Autofinance has two business...

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Synergizing capabilities of EDA and EMS for Value Propositio...

Posted on Mar 13 2013 by
EDA: Experian Decision Analytics EDA provides software, analytical tools such as scores and expert consulting to turn credit data into actionable decisions. EDA helps customers at all stages of the lending cycle e.g....

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Collections benchmarking for banks and financial institution...

Posted on Mar 06 2013 by
Collections benchmarking for banks and financial institutions What is Benchmarking? Benchmarking is the process of comparing one's business processes and performance metrics to industry bests or best practices from other...

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Collections Benchmarking Model for Banks and Financial Insti...

Posted on Feb 15 2013 by
What is Benchmarking? Benchmarking is the process of comparing one's business processes and performance metrics to industry bests or best practices from other industries. Dimensions typically measured are quality, time and cost....

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Transform collections unit from a cost centre to a profit ce...

Posted on Feb 08 2013 by
Collections or Debt Management is an integral phase of the credit and risk life cycle, financial institutions and other verticals like Telecom, Utilities etc. have a dedicated Debt Management Unit that deals with the unpaid dues...

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