Yugesh Lad

About Yugesh Lad

I am a seasoned banking professional with over 19 years of comprehensive experience in the sector, specializing in Credit, Risk Management, Sales, and System Development. My expertise lies in MSME, Agri, and Rural Lending, where I have successfully transitioned from sales to credit management. Currently, I serve as the Vice President – National Credit Manager at Bharat Enterprise & Micro Loans, where I oversee a diverse portfolio of loans, ensuring compliance with regulatory standards while driving operational excellence.Throughout my career, I have developed exceptional leadership skills, fostering a collaborative team environment that encourages innovation and accountability. I possess in-depth knowledge of financial inclusion strategies and have been instrumental in creating tailored financial products for underserved markets. My proficiency in credit policy formulation and governance has enabled me to enhance portfolio quality and drive business growth effectively

Experience

1. Vice President National Credit Manager Bharat Enterprise & Micro Loans

   Axis Bank

   Jun 2025 — Present · Mumbai, IN

   In my current role, I spearhead the pan-India credit strategy for MSME and Agri Lending portfolios, ensuring risk-aligned growth across rural and semi-urban geographies. I drive the Micro LAP vertical, crafting custom credit solutions for unorganized sector borrowers to enhance financial inclusion. Leading a team of over 150 members, I focus on strong governance and operational excellence while developing tailored microloan products to meet the needs of informal market segments. My responsibilities also include strengthening underwriting frameworks and aligning credit operations with business expansion goals

Education

• Navsari Agricultural University

  M.Sc. (Agri)

  2004 — 2006

• Navsari Agricultural University

  B.Sc.

  2000 — 2004