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Rishi Dhariwal

Retail Lending · Retail Liabilities · Strategy
Building institutions that scale safely, build durable liability franchises, and AI-enabled digital platforms for retail banking

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About Me

32 years of experience in Vehicle Finance, MSME Loans, Commercial Banking, Retail Liabilities, Sales Management, Retail Distribution
Leadership roles in Citibank and AU Small Finance Bank for more than 2 decades.
Deep execution experience and ground level connect with people and customers.
Wisdom Centered Leadership Principles
Author

Strategy, Systems, and Scalable Financial Institutions

I work at the intersection of retail lending, retail liabilities, and business strategy, helping financial institutions scale with discipline and resilience. My work focuses on designing business models, operating architecture, 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

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

Secured Retail Lending

Distribution, Sales Management, Credit Strategy, Underwriting frameworks, Portfolio Management, Risk Framework, Employee Market Fit, People Management, 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.

Build a Scalable Retail Lending Business

Scalable Franchise that Creates Value

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

Execution Focus

Deep experience in secured retail lending business of Vehicle Finance, MSME Loans, Commercial Banking and Affordable Housing. Expertise in building Urban and Rural Distribution, Sales Management, Credit underwriting, portfolio management, and collections.

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 Approach

Retail Lending, Retail Liabilities, Leadership Development

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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