India, April 24, 2026: AU Small Finance Bank (AU SFB), India’s largest Small Finance Bank and the first organisation in over a decade to receive an in-principle approval from the Reserve Bank of India to transition into a Universal Bank, today announced that the Reserve Bank of India (RBI) has accorded its approval for the appointment of Vivek Tripathi as Whole-Time Director (Executive Director) of the Bank for a term of three years.
At 47, Vivek Tripathi’s elevation to the Board as Executive Director underscores AU SFB’s focus on building next-generation leadership from within and institutionalising a long-term succession plan.
Currently, the Chief Credit Officer of AU SFB, Vivek has been associated with the Bank since 2014 and has held significant leadership responsibilities across Commercial Banking, Wholesale Banking, Credit and Strategy. Over the last decade, he has played a pivotal role in AU’s growth journey while contributing to the institutionalisation of robust risk and governance frameworks.
In his present role, Mr. Tripathi provides enterprise-wide oversight of Credit Policy & Underwriting, Portfolio Management, Collections and Legal Recovery, operating under a unified governance structure. His focus on prudent risk-taking, standardising policies and processes, and strengthening early-warning frameworks has supported stronger portfolio predictability and enhanced balance-sheet resilience.
Earlier, under his leadership, the Bank’s Commercial Banking portfolio recorded steady and well-balanced growth, supported by disciplined credit expansion, strong on-ground execution and the strengthening of the Bank’s liability franchise. He has also led initiatives across innovation-led business channels, including digital trade and remittance solutions, deepening AU’s engagement with MSMEs and emerging enterprises.
Mr. Tripathi brings over two decades of experience in the financial services sector. Prior to joining AU, he has worked with ICICI Bank, Reliance Capital and the Aditya Birla Group, gaining exposure across multiple credit cycles and diverse operating environments.
Commenting on the appointment, Sanjay Agarwal, Founder, MD & CEO, AU Small Finance Bank, said, “Vivek has been an integral part of AU’s leadership journey for over a decade, with meaningful contributions across business, credit and institutional governance. His deep understanding of risk, portfolio stewardship and execution discipline has strengthened AU’s balance-sheet resilience. His appointment reflects our structured succession planning as we prepare the Bank for the next phase of growth.”
He is an alumnus of the Indian Institute of Management (IIM) Lucknow and has completed executive education from ESCP Business School, Paris. He holds an M.Tech from Veermata Jijabai Technological Institute (VJTI), University of Mumbai.
The appointment underscores AU SFB’s continued focus on building leadership depth, strengthening institutional governance and preparing the organisation for its next phase of sustainable and responsible growth.
