Kuldeep Singh

“I would like to briefly discuss how we are approaching the next phase of growth with key focus on making our existing distribution network increasingly productive.”

“Our operating model continues to be branch-led with sourcing, underwriting, collection, all happening at the branch level, supported by our central credit and technology teams.”

“So, our expansion model is very robust, actually. We are not just like opening a branch anywhere, wherever the competition is. So, we first evaluate in terms of the collection, in terms of the risk, in terms of the negative areas, negative customers.”