Vishal Soni

Vice President - Auto Finance at PNC | Dartmouth MBA | IIT Delhi

Wilmington, DE


Office Hours

How does this work?

Specialties: Risk Management, Underwriting, Big Data and Analytics for Unsecured and Secured lending products

Ask me about
auto loans
Work experience

Jul 2018 - Present


Vice President - Auto Finance

Leading underwriting and strategy initiatives to increase auto loan bookings and profitability while staying within company's risk appetite.

Apr 2014 - Jul 2018

JPMorgan Chase

Vice President - Consumer and Community Banking - CCB Risk

- Developed and implemented a ‘One Customer’ underwriting and execution framework encompassing card, mortgage and auto products; enabling real time qualification, approval and cross-sell of offers to existing customers - Generated $200MM in incremental NPV by redesigning and expanding the credit card PCLI strategy. - Generated $75MM in NPV for Proactive Credit Line increase (PCLI) strategy by text mining eligible customer’s checking account transactions, and inferring their annual income for ATP calculation.


May 2011 - Apr 2014

Capital One

Business Manager

- Led a team of cross functional analysts supporting product strategy and new product development for subprime segment of credit card customers for Capital One. - Evaluated and assessed the long term profitability of existing statistical customer acquisition models and recommended modifications resulting in bookings in additional customer segments


Aug 2010 - Apr 2011

Capital One

Financial Analyst

- Built a financial model for $7B Best Buy card portfolio and recommended new financial terms for the contract extension negotiations with the retailer.


Jun 2009 - Aug 2009


Summer Intern

Developed the international expansion strategy for ‘Bill Me Later’ business and recommended countries that offered the highest business potential and relative ease of entry


Jun 2005 - Jul 2008

American Express

Assistant Manager

Dec 2004 - May 2005

AbsolutData Research & Analytics

Senior Associate

- Coordinated the research and analysis of associates and presented recommendations to clients

Apr 2004 - Nov 2004

Absolutdata Analytics


- Optimized prices for paper product portfolio of a Fortune 500 retail company by developing a price sensitivity model, generating additional revenue of $2M per year

Jul 2003 - Mar 2004


Research Associate

Reconfigured traffic signal times at seven busiest traffic hubs of New Delhi, reducing fatal pedestrian accidents by 60% and improving daily vehicular traffic flow of over 300,000 vehicles


2008 - 2010

Dartmouth College - The Tuck School of Business at Dartmouth

MBA, Business Administration and Management, General

1999 - 2003

Indian Institute of Technology, Delhi

B.Tech, Civil Engineering

Talk to Vishal

@ Copyright 2020 OfficeHours Technologies Co.