Prasad Kulkarni

Results-driven credit and risk operations specialist with over 8 years of experience in lifecycle credit management, regulatory compliance, and fraud analytics, successfully reducing credit risk exposure by 30% through innovative policy development and strategic risk mitigation initiatives. Demonstrated expertise in audit coordination and compliance measures has led to a 25% improvement in regulatory adherence across multiple departments, while my ability to formulate actionable strategies has driven organizational success and operational excellence. Seeking to leverage my proven track record in a senior leadership role to enhance risk management frameworks and ensure regulatory compliance.

Process Control Lead – Credit, Risk & Compliance at Fibe (formerly EarlySalary) (2016-08 – Present)

A major Indian fintech startup specializing in instant personal loans and BNPL solutions.

• Directed credit operations for diverse portfolios, spearheading a team of 23 analysts to enhance compliance alignment.
• Crafted innovative BNPL solutions across sectors, elevating financial offerings through customized strategies.
• Integrated CIBIL/Equifax scoring with internal models, significantly enhancing decision turnaround times.
• Formulated comprehensive SOPs and compliance checklists, ensuring complete regulatory adherence across credit processes.
• Championed fraud control initiatives with real-time alerting and advanced pattern recognition to mitigate risks.

Credit Auditor at Fibe (formerly EarlySalary) (2022-01 – 2022-12)

A major Indian fintech startup specializing in instant personal loans and BNPL solutions.

• Championed RBI audit readiness through meticulous documentation and strategic policy alignment in credit operations.
• Crafted and implemented standard operating procedures, ensuring robust regulatory compliance within credit processes.
• Enhanced CIBIL/Equifax scoring integration, significantly boosting operational efficiency and streamlining decision turnaround time.

Credit Operations Analyst at Fibe (formerly EarlySalary) (2016-08 – 2021-12)

A major Indian fintech startup specializing in instant personal loans and BNPL solutions.

• Engineered customized BNPL solutions for sectors, including Education and Insurance, significantly boosting financial inclusion.
• Streamlined bureau reporting processes, ensuring error-free submissions and enhancing feedback mechanisms.
• Orchestrated DPD-driven recovery strategies, leading legal coordination for effective risk recovery.

Sales & Marketing Executive at JustDial (2013-01 – 2016-12)

India's leading local search engine providing B2B and B2C services across various platforms.

• Developed customer acquisition strategies driven by data analytics to enhance marketing effectiveness.
• Fostered collaboration with SMEs to support cross-sector product campaigns, driving sales engagement.

MBA in Finance – Pune University

Bachelor of Commerce in B.Com – Pune University