Mr. Vivek Tripathi is a distinguished leader with more than two decades of demonstrated excellence in building, scaling and safeguarding high-quality institutions. Over his career, he has earned a reputation for strategic foresight, rigorous execution discipline, and an unwavering commitment to balancing growth with institutional resilience.

Since joining the Bank in 2014, Mr. Vivek Tripathi has held several key leadership responsibilities and played an instrumental role in driving multiple strategic initiatives over his 12-year tenure. Under his leadership, the Commercial Banking portfolio has demonstrated sustained growth, supported by strong on-ground execution and rising customer confidence. He has overseen the development of a well-balanced and scalable loan book, complemented by meaningful deposit mobilization, strengthening the Bank's liability franchise. His focus on innovation-led growth channels, including digital trade and remittance solutions, has further expanded AU's engagement with MSMEs and emerging enterprises, laying the foundation for long-term, technology-enabled growth while strengthening the Bank's competitive position in commercial banking.

In his earlier assignment as Chief Credit Officer, he provided enterprise-wide stewardship of AU's credit architecture, bringing Credit, Policy & Underwriting, Portfolio Management, Collections, Legal Recovery & Corporate Legal, and Human Resources under a unified governance framework. His leadership combined prudent risk-taking, consistent standards and early-warning discipline with a strong focus on people, culture and organizational capability, supporting sustainable growth while strengthening institutional resilience.

He has institutionalized a robust risk appetite framework with defined sectoral limits, strengthened underwriting and account monitoring, and enhanced stress-testing and collections effectiveness. These interventions have improved portfolio predictability and reinforced balance-sheet resilience. His deep understanding of business, risk and people enables him to bring a balanced leadership perspective, strengthening the alignment between talent, performance and long-term institutional growth.

An alumnus of IIM Lucknow with executive education from ESCP Business School, Paris, and an M.Tech. from VJTI, University of Mumbai, he brings a wealth of experience across ICICI Bank, Reliance Capital and the Aditya Birla Group, having navigated multiple credit cycles and complex corporate ecosystems. He continues to strengthen the Bank's analytics, underwriting and recovery capabilities while aligning portfolio strategy with AU's growth ambitions, safeguarding depositor confidence and protecting shareholder capital.