Open to opportunities

Vishal Choudhury

@vishalchoudhury

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Finance and credit risk professional with 8+ years of experience.

India

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What I'm looking for

I am looking for a role that offers opportunities for growth, collaboration, and impactful decision-making in finance and risk management.

I am a finance and credit risk professional with over 8 years of diverse experience in managing credit portfolios and overseeing fund lifecycles across multiple high-growth fintech environments. My expertise lies in reducing credit exposure, recovering high-value delinquencies, and optimizing accounts receivable and payable operations. I have successfully managed a $16M credit portfolio, recovering $780K from high-risk delinquencies across various markets including Singapore, India, Australia, and Indonesia.

Throughout my career, I have been recognized for my ability to foster seamless collaboration with investors, stakeholders, and cross-functional teams to implement effective risk frameworks and operational improvements. My role as a Manager at Volopay has allowed me to lead an in-house collections team, achieving a remarkable recovery rate of 99-100% of dues monthly. I am committed to driving data-informed decision-making and have been commended for my leadership and crisis management skills during high-pressure periods.

Experience

Work history, roles, and key accomplishments

Current

Manager – Credit Risk & Finance

Current

Volopay

Aug 2024 - Present (10 months)

Oversaw credit portfolios across Singapore, India, Australia, and Indonesia, ensuring full regulatory compliance and robust risk assessments. Improved risk assessment processes, reducing credit risk exposure by 38%.

Credit Risk Compliance Risk Assessment Risk Mitigation SOP Development Collections Management Data Analysis Investor Handover

Assistant Manager – Finance & Credit Risk

Volopay

Sep 2023 - Present (1 year 9 months)

Supported the implementation of a debt investor module within the credit platform by managing data accuracy, true reporting, and borrowing base maintenance. Managed the Singapore-based debt fund lifecycle, including drawdown management, audit support, and investor communications.

Debt Investor Module Reporting Borrowing Base Maintenance Audit Investor Reporting Financial Reporting

Executive & Analyst – Finance & Credit Analysis

Volopay

Jul 2021 - Present (3 years 11 months)

Contributed to securing $20M in funding by preparing accurate reports and facilitating effective stakeholder communications. Conducted underwriting that reduced credit approval turnaround time from 5 days to 2 days and boosting portfolio quality.

Report Preparation Underwriting Portfolio Quality Efficiency Improvement

Assistant – Admin & Accounts

ASPS Infratech

Sep 2018 - Present (6 years 9 months)

Managed project financials, budgets, and vendor disbursements. Served as Project Controller for 21 km highway renovation.

Project Financials Budget Management Vendor Disbursements Project Control Process Innovation Accounts Management Financial Reporting

Assistant – Accounts

ASPS Infratech

Nov 2017 - Present (7 years 7 months)

Handled AP/AR/payroll workflows and monthly reconciliations. Aided in project costing and purchase record management.

Payroll Management Purchase Record Management Financial Reporting Accounting Data Entry Documentation Compliance

Accountant

Sengupta Agencies

Sep 2014 - Present (10 years 9 months)

Managed daily accounting, financial reporting, and tax filing. Ensured audit accuracy through reconciliation and documentation.

Financial Reporting Tax Filings Reconciliations Documentation Bookkeeping General Ledger Accounts Payable Accounts Receivable

Education

Degrees, certifications, and relevant coursework

Indira Gandhi National Open University

Master of Commerce, International Business

Focused on finance and credit risk, gaining expertise in managing credit portfolios and fund lifecycles. Developed skills in overseeing multi-market operations and reducing credit exposure.

University of Delhi

Bachelor of Commerce, Finance & Accounting

Studied finance and accounting, building a strong foundation in financial principles. Gained knowledge in managing AR/AP operations and driving data-informed decision-making.