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Vishal Valecha is an experienced professional in the financial sector, currently serving as the Head of Policy and Risk at Kotak Mahindra Bank. Previously, Vishal held multiple leadership roles at Bajaj Housing Finance Limited, including Business Head for Rural Mortgage and Affordable Home Loans, National Manager for Risk and Credit in LAP & Home Loans-Rural, and National Head for Technical & Valuations in Mortgages and Construction Finance. Vishal began the career as a Senior Manager in Mortgage at ICICI Bank, contributing extensive expertise in risk management and mortgage solutions throughout various market segments.