Wholesale Credit Portfolio Optimization

​In 2026, driving profitability in wholesale banking requires shifting portfolio management from a passive monitoring function into an active capital-allocation engine. With regulatory capital demands tightening and macroeconomic volatility persisting, financial institutions cannot afford to tie up balance sheet capacity in low-margin or poorly risk-adjusted corporate lending. To maximize Risk-Adjusted Return on Capital (RAROC) across multi-billion-dollar wholesale books, risk and portfolio leaders must enforce strict origination gatekeeping and actively manage existing exposures across economic cycles.

​To anchor this session, Delphi is convening our Banking and Risk cohorts with Vijyant Khosla. Vijyant brings over 30 years of front-line risk, portfolio management, and operational leadership across global banking institutions in the UK, Europe, the Middle East, and Asia. Having managed wholesale lending portfolios in excess of $150B, Vijyant provides a focused operational blueprint for optimizing balance sheet capital, structuring active risk-transfer mechanisms, and maintaining strict credit discipline without stalling commercial growth.