Scaling Retail Credit Responsibly with Sumit Bali (YES Bank) | The Credit Continuum

India’s retail credit market is growing at an unprecedented pace — but the real challenge isn’t just growth. It’s responsible growth.In this episode of The Credit Continuum by Yubi, we dive into how financial institutions can scale retail lending while maintaining strong underwriting discipline, protecting asset quality, and building portfolios that withstand economic cycles.Host Vipul Mahajan (Chief Business Officer, Yubi) is joined by Sumit Bali, Country Head – Retail Assets & Debt Management at YES Bank, to unpack the evolving playbook for retail credit in India.From data-driven underwriting to portfolio resilience and regulatory alignment, this conversation goes beyond the headlines to explore what it truly takes to build sustainable lending businesses in today’s environment.The Credit Continuum by Yubi is a platform where leaders from India’s top BFSI institutions unpack the tectonic shifts reshaping finance. From legacy infrastructure to digital-first, AI-powered lending, this is where the future of Indian credit unfolds, faster, smarter, and increasingly ahead of the world.