Vivek Singh

In India’s fast-evolving credit landscape, I’ve learned that growth without discipline rarely lasts. For me, lending is not just about expanding access; it is about doing so responsibly, with the right balance of risk, governance, and long-term thinking. Over the years, I’ve had the opportunity to work across diverse consumer segments and geographies within the financial services sector and I have seen periods of rapid growth as well as times of stress. Those experiences have shaped how I think about building sustainable businesses: strong fundamentals, sound judgment, and teams that are empowered to take the right decisions, irrespective of market conditions.   As the CEO of Home Credit, my focus is on building a lending institution that people can trust, one that scales with transparency, strong compliance, and consistent performance. An organisation that has technology as its backbone and human values at the centre, backed by disciplined underwriting and responsible decision-making. I believe leadership in financial services is as much about mindset as it is about strategy, staying calm in uncertainty, respecting the regulatory environment, and keeping a long-term view on value creation. A big part of my role is focused on building strong teams and a culture where ethics and performance go hand in hand.