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American Financial Services Association

Kamal Dhaliwal

Kamal Dhaliwal

Women's Leadership Council

Kamal Dhaliwal

Head of Credit Management
TD Auto Finance LLC

Kamal Dhaliwal
Head of Credit Management
TD Auto Finance LLC
Farmington Hills, MI
Direct: (248) 427-3514
Mobile: (248) 568-9022

Kamal Dhaliwal, Head of Credit Risk Management at TD Auto Finance, has over 20 years of experience in the financial services industry. In her current position, Kamal is responsible for credit management of the US TDAF portfolio; and oversees the development, implementation and monitoring of acquisition and collections policies and strategies. Other responsibilities include portfolio performance monitoring, Statistical modeling, reporting, loss forecasting, governance and controls. Kamal has held various roles within the organization and has a deep understanding of Risk Management, Collections, Customer Service, Remarketing, Business Strategy in auto finance and Credit Cards. She has extensive project management experience, blending technological expertise with business acumen. Kamal has a Bachelor’s degree in Economics and Psychology.

Areas of Expertise
Leading Teams to Excellence, Risk Management, Project Management.

Areas of expertise upon which I would like to continue learning.
Risk Management Concepts, New Technology, Personal Development

What three keywords best describe you?
Compassionate, Ethical, Hard-working

Personal Motto
Don't sweat the small stuff.

What are you passionate about?
I am passionate about helping others, volunteering in my community as much as possible.

What is something interesting about you that members might not know?
I love painting whenever I have time on my hands.

Who has been a role model for you?
My mother has been my biggest role model, in addition to people that I have worked with and know personally.

What are you most proud of?
I am proud of my positive attitude and perseverance to achieve what I set my sights on. I am proud and thankful for my family, friends and people that I can count on.


What would you say are the key success factors for a mentoring relationship?
Openness, trust, and comfort level

What advice would you give yourself as a young executive?
Have confidence in your abilities, build your network, establish relationships that you can rely upon and from whom you can get honest feedback.

What do you know now that you wish you knew when you started your career?Do not be scared of trying new concepts, jumping into a job that you know nothing about.

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