Q1. Could you start by giving us a brief overview of your professional background, particularly focusing on your expertise in the industry?

With 20+ years of experience working in the Retail Asset Finance segment, including Tw loans, Cross Sell products, Auto Loans (CV- New & Used), and MSME loans.
All these segments I am responsible for both sales/collection & operations.

Q2. How do you see demand for retail lending, vehicle finance, and MSME credit evolving in India over the next 2–3 years, especially with macro-economic pressures and rising interest rates?

As the government is pushing the MSME segment to increase the YOY growth target for GDP, as an MSME loan segment, I see many opportunities to contribute our services to book large numbers of MSME loans. Across these ecosystems, the vehicle segment also sees high demand for vehicle loans & as Shriram, we are the largest CV loan provider, which is an additional benefit for us.

Q3. How do customers’ expectations around self-service, digital journeys, and omni-channel engagement influence product design?

Now, the footprint of digital printing has increased in tier 2 & 3 cities, and we have also provided design for all our loan products, covering all remote areas through our own, user-friendly, tailor-made designs.

Q4. What untapped opportunities do you see in Tier-III/IV markets or within specific industries like logistics, agriculture or renewables?

Yes. Tier 2 & 3 cities will play a very crucial role in the upcoming days as we see most of the Tier 2 cities MSME segment also contribute a significant portion of GDP, which means both MSME Loans & CV business will be in higher demand in Tier 2 & 3 cities for the upcoming year in the future.

Q5. What market opportunity size do you estimate in used-vehicle finance compared to new-vehicle financing, and how quickly is that gap closing?

Used vehicles segment is in higher demand after BS 6 stage implemented which impacted the new vehicle invoice & the 5 years insurance compulsion also played crucial role to shift the big size of the population to purchase used vehicles segment & Yes, as Shriram we are the expertise in this segment & we already experienced the demand of used vehicles segment in tier -2 & 3 cities.

Q6. Looking ahead, which emerging players or business models do you expect will reshape the competitive landscape over the next 2–3 years?

Digital & data-driven technology players will play a crucial role in offering multiple products on a single platform, conservatively providing cost management.

Q7. If you were an investor looking at companies within the space, what critical question would you pose to their senior management?

How, through technology, they improved their lending & collection module to keep pace with evolving digital footprints across all urban & rural areas.