Kamlesh Kumar Yadav
Regional Manager
Sikar,RJ
Summary
Regional Manager with 8.5+ Years Experience in Microfinance & NBFC operations. Currently handling ₹25 Cr portfolio across 7 branches with 30+ staff in Haryana & NCR. Product Expertise: JLG/Group Loans, IML Loans. Proven track record in 100% Disbursement Target Achievement, 100% Ontime Collection, NPA reduction from 5% to 2%, maintaining
Overview
1
1
Language
9
9
years of professional experience
Work History
Regional Manager
Belstar Microfinance Limited
11.2024 - Current
- Managing ₹25 Cr multi-product portfolio across 7 branches with 30+ member team
- Disbursement Target Achievement: Consistently achieved 100%+ monthly & quarterly disbursement targets across JLG, & IML products
- Ontime Collection: Maintained 100% ontime collection rate for 18+ consecutive months through effective center discipline & team follow-up
- Group Lending Operations: Supervising 9,000+ JLG members with 99%+ center meeting attendance
- Multi-Product Management: Handling JLG & IML loan portfolios with product-wise delinquency control & cross-sell initiatives
- NPA & Collections: Reduced NPA from 5% to
- Asset Quality: Maintaining
- OTS Recovery: Negotiated & closed OTS settlements with 65%+ recovery rate
- Center Management: Led 30+ FOS for 800+ monthly center meetings & hard bucket NPA recovery
- Compliance: 100% adherence to RBI Master Directions for Microfinance, KYC norms & Fair Practices Code
- Portfolio
- : ₹ 25 Cr |
- Branches
- : 7 |
- Team
- : 30+ |
- Location
- : Haryana, NCR
- Product Mix
- : JLG/Group Loans
Regional Manager
Digamber Capfin Limited
, Rajasthan, Haryana
09.2022 - 11.2024
- Delivered 20% YoY growth with 100% disbursement target achievement for 8 consecutive quarters
- Achieved 100% ontime collection for 24+ months while sustaining
- Reduced NPA from 5% to 2% through strategic restructuring of high-risk branches
- Decreased staff attrition by 25% via training & incentive programs
- Portfolio
- : ₹65 Cr |
- Branches
- : 14 |
- Team
- : 65+ |
- Location
- : Rajasthan, Haryana
- Led regional teams to achieve operational targets and enhance service delivery across multiple locations.
Branch Manager
Digamber Capfin Limited
Sikar, Bikaner, Jaipur, Hisar, Bhiwani, Rajasthan, Haryana
09.2019 - 09.2022
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Developed and led team of financial advisors, enhancing their skills with comprehensive training programs.
Area Manager
Digamber Capfin Limited
Hisar, Bhiwani, Rewari , Rajasthan, Haryana
09.2021 - 08.2022
Field Officer
Digamber Capfin Limited
Sikar, Jaipur, Rajasthan
10.2017 - 09.2019
Education
B.A. - undefined
Shekhawati University
Sikar01-2023
Skills
Product Expertise: JLG/Group Loans, IML Loans, Secured Lending, Product Exchange, Center Meeting Management
Business Development: Disbursement Target Achievement, 100% Ontime Collection, Portfolio Growth, Cross-sell
NPA Collections: Auction Process, OTS Negotiation, Legal Recovery
Operations: RBI Compliance, Branch P&L, Audit & KYC, Group Dynamics
Leadership: 65 Peak Team, Currently 30 Staff, Training, Attrition Control
Systems: MS Office, Core Banking System, Loan Management Software
Personal Information
- Date of Birth: 1991-10-07
- Marital Status: Married
Interests
Cricket & Team Sports, Financial News & Market Analysis, Traveling & Field Operations
Accomplishments
- 1. Collection Excellence: 100% ontime collection for 18+ months at Belstar | 24+ months at Digamber
- 2. Disbursement Excellence: 100%+ target achievement consistently across Belstar & Digamber
- 3. Portfolio Scale: ₹65 Cr Peak AUM across 14 branches | Current: ₹25 Cr across 7 branches
- 4. Asset Quality: NPA 5% to 2% |
Timeline
Regional Manager
Belstar Microfinance Limited
11.2024 - Current
Regional Manager
Digamber Capfin Limited
09.2022 - 11.2024
Area Manager
Digamber Capfin Limited
09.2021 - 08.2022
Branch Manager
Digamber Capfin Limited
09.2019 - 09.2022
Field Officer
Digamber Capfin Limited
10.2017 - 09.2019
B.A. - undefined
Shekhawati University