A Retail Banking and Consumer Finance veteran with nearly 25 years of experience with global leaders in financial services across various geographies, Kalidas was appointed as Head of the Consumer Finance Division in April 2011 and concurrently managed Retail Banking Division from 2012 to May 2015. Under his leadership, both Divisions’ businesses have been going through historic significant transformation projects and scaling new heights in growing the balance sheet, acquiring new customers and building diversified distribution channels to build a significantly large and profitable customer franchise in the near future. The Consumer Finance Division was spun off from VPBank and became VPBank Finance Company with number 1 position in Vietnam’s consumer finance sector. Mr Kalidas was ultimately appointed as the CEO cum Vice Chairman of VPBank Finance Company in April 2015 after 5 months as Acting CEO.