30+ years
across banks, NBFCs and financial-services ecosystems
About Vivek
Experience is most useful when it becomes transferable.
I am a business transformation, governance and risk leader with over three decades across Banking and Financial Services.
My work has spanned business, credit, product management, learning, process excellence, fraud prevention, compliance and digital credit transformation. The common thread is simple: growth becomes durable only when judgment, governance and execution move together.
Credit & risk
from rural and MSME lending to wholesale and enterprise governance
Transformation
connecting operating models, people, policy and technology
Field to boardroom
turning lived cases into reusable institutional learning
Why this journal exists
The most important patterns rarely fit neatly into a spreadsheet.
Cases become valuable when we look beyond their outcome. What did the borrower’s behaviour reveal? Which process created false comfort? What did the policy intend—and what happened in practice?
Vivek Perspective gives structure to those observations. It brings together insights from tractor and rural finance, credit appraisal, fraud prevention, leadership, institutional governance and the evolving use of AI in financial decision-making.
“Numbers matter. Context decides what they mean.”
The editorial lens