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Vishal Kumar currently holds the position of Circle Head Credit at Light, starting in December 2023. Previously, Vishal Kumar worked at Utkarsh Small Finance Bank as Regional Sales Manager from May 2022 to December 2023. Prior to that, a tenure at Ujjivan Financial Services included roles as Customer Relationship Manager from May 2012 to July 2015 and positions at Jana Small Finance Bank from August 2019 to January 2021 as Cluster Head, Regional Head, Branch Manager, and Area Manager. Earlier experience includes serving as a Loan Officer at Ujjivan Small Finance Bank Limited from September 2010 to April 2012. Vishal Kumar earned a Bachelor's degree in Commerce from Vinoba Bhave University between 2001 and 2004.