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).
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