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Rishi Dhariwal

Retail Lending · Retail Liabilities · Institutional Strategy
Building institutions that scale safely through principle-based lending, durable liability franchises, and AI-enabled digital platforms.

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About Me

Strategy, systems, and institution-building in retail financial services.

Strategy, Systems, and Scalable Financial Institutions

I work at the intersection of retail lending, retail liabilities, and institutional strategy, helping financial institutions scale with discipline and resilience. My work focuses on designing business models, operating architectures, and digital platforms that integrate strategy, risk governance, content-led customer engagement, and AI-enabled decision systems.

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I bring a practitioner’s perspective shaped by building and scaling large retail financial franchises, with a consistent emphasis on orderly growth and long-term value creation.

What I Work On

My work focuses on building retail financial institutions that grow with discipline, resilience, and digital leverage.

Business Model Canvas

Designing business models for integrating strategy, operating architecture, digital platforms, content-led engagement, and AI-enabled decision systems.

Principles of Retail Lending

Credit philosophy, underwriting frameworks, portfolio design, and risk governance enabling scalable retail lending with asset quality discipline.

Retail Liability Strategy

Building durable retail deposit franchises through segmentation, product architecture, operating models, and trust-led customer engagement.

Experience & Institutional Impact

Over three decades of experience building and scaling retail financial institutions across secured lending, retail liabilities, strategy, governance, and institutional transformation.

Institution Building & Strategic Transformation

Strategy & Governance

Led large-scale institutional transformations spanning bank transition, governance frameworks, strategic roadmaps, and regulatory readiness, working closely with boards, regulators, and senior leadership teams.

Retail Lending, Credit & Risk Governance

Deep experience in secured retail lending businesses covering credit philosophy, underwriting frameworks, collateral-led lending, portfolio governance, and collections systems across economic cycles.

Governance, Leadership & Long-Term Value

Boards & Leadership

Experience working with boards and leadership teams on governance structures, decision frameworks, and long-term value creation.

Retail Liability Strategy & Franchise Development

Deposits & Liabilities

Built and scaled retail liability franchises through branch-led distribution, operating models, customer segmentation, and trust-based engagement.

Operating Models, Digital Enablement & Execution

Operating Architecture

Designed operating models and execution frameworks that align business strategy, processes, and technology enablement to support scale and controls.

My Portfolio

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What My Clients Says

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John Doe

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Jenna Smith

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Samuel Stevens

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