AVP · Territory Business Manager

13+ Years in
Corporate Banking.

Credit, working capital and elite client relationships at Kotak Mahindra Bank, New Delhi.

Let's Connect View LinkedIn
Phone+91 95993 45321
Emailvaishally.singhal@gmail.com
Based inNew Delhi, India
Portrait of Vaishally Agarwal
Kotak Mahindra Bank
Vaishally AgarwalKotak Mahindra Bank

Vaishally Agarwal

Territory Business Manager, Elite

She leads Kotak Mahindra Bank's Elite working-capital territory across Delhi NCR, North, South, East and West, underwriting credit, managing ₹500Cr+ portfolios, and turning cash-flow analysis into relationships that last.

Based inDelhi NCR, India
FocusCredit & Portfolio Health
Emailvaishally.singhal@gmail.com
13+Years in Banking
₹500Cr+Elite Exposure
4Career Roles, One Bank
Career Path

13 years of Corporate Banking.

Apr 2025 - Present

Territory Business Manager, EliteCURRENT

Associate Vice President
  • Leads a team managing elite clients, exposure ₹500Cr+
  • Owns the credit lifecycle from origination to monitoring
  • Drives cross-sell and territory growth
Apr 2021 - Mar 2025

Elite Relationship Manager

Associate Vice President
  • Managed elite corporate banking relationships
  • Built CAMs, financial models & cash-flow forecasts
  • Led risk monitoring for portfolio quality
May 2013 - Mar 2020

Relationship Manager

Manager to Chief Manager
  • Structured working-capital & trade-finance facilities
  • Ran credit monitoring & DP/fund-flow analysis
  • Grew a high-value SME portfolio
May 2012 - Jun 2012

Business Banking Intern

ING Vysya Bank Ltd
  • Assessed SME creditworthiness & lending models
  • Mapped customer risk exposure
By the Numbers

The role, visualised.

Career Growth

Title progression, 2013 to 2025 2013 2016 2018 2021 2025
Manager to AVP, Territory Business Manager

Where the Time Goes

Approximate focus mix, current role
Credit Appraisal · 35% Portfolio & Risk · 25% Client & Cross-Sell · 25% Team Leadership · 15%

Core Strengths

Self-rated proficiency
Credit Appraisal & Risk Analysis96%
Client Relationship Management95%
Working Capital Structuring94%
Portfolio Health Monitoring92%
Cross-Sell & Business Development90%
Core Expertise

What she's known for.

Credit Appraisal
Working Capital
Portfolio Health
Cross-Sell
Trade Finance
Risk Rating
Client Retention
Team Leadership
Market Intel
Technology & AI

Where AI shows up in the workflow.

AI Early-Warning Risk

Flags stressed accounts before they hit the ratios.

CAM & Financial Modeling

Cash-flow & DP models behind every proposal.

Portfolio Dashboards

Live BI tracking of exposure & risk metrics.

CRM Platforms

Pipeline, cross-sell & NTB acquisition.

Loan Origination Systems

Origination through sanction & monitoring.

Market Intelligence

Competitor & industry benchmarking.

Perspectives

Notes from the credit desk.

Recognition

Awards & milestones.

Kotak Life Insurance Award
₹20L LI · Q2 FY 20-21
North Zone Topper, KGI
Q1 FY 20-21
Kotak Life Insurance Award
₹20L LI · Q4 FY 18-19
Retail Lion, CASA Champion
Q1 2014 · ING Vysya
ICON Award
ING Vysya Bank Ltd
Overdrive Award
ING Vysya Bank Ltd
Education

Foundations.

2011 - 2013

PGDM

Jagan Institute of Management Studies, Delhi

2007 - 2010

B.Com

Rohilkhand University, Bareilly

Get in Touch

Let's talk corporate banking.

Kotak Mahindra BankKotak Mahindra Bank, New Delhi
vaishally.singhal@gmail.com +91 95993 45321 linkedin.com/in/vaishallyagarwal