Neeraj Kalamkar

About Neeraj Kalamkar

Highly accomplished and results-driven Credit & Risk Leader with over 20 years of…

Experience

1. Regional Credit Manager

   YES BANK

   Sep 2018 — Present · Mumbai, IN

   Led Central Credit operations, serving as the single point of contact and crucial liaison among Product, Policy, Business, Operations, Business Rule Engine (BRE), Digital Technology, System Support, Audit, Compliance, RCU, RCG, and other Head Office stakeholders to ensure seamless credit underwriting and processing.• Spearheaded the development and modification of the Business Rule Engine (BRE) for Tractor Finance, significantly streamlining credit underwriting and enabling Straight Through Processing (STP) for faster, more efficient loan disbursements.• Played a key role in the digital transformation agenda, including the successful migration of a PAN India application from one LOS to another, which reduced credit processing TAT and improved overall service delivery.• Initiated and anchored the digital transformation of the unit aligning with organizational goals, contributing to modernizing credit operations.• Managed a regional credit portfolio (Maharashtra) for Tractor Finance, Kisan Credit Card, and Micro Enterprise Loans, with an approving authority up to INR 25 Lakhs (prior to transfer at head office in central credit & process role on Jan’22).• Recognized with \"Credit Champion\"(2022) and \"Extra Miles\"(2023) awards for exceptional performance and contributions.• As a founding member, significantly contributed to building and establishing the Tractor portfolio in Maharashtra.