Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Languages
Timeline
Generic

Yash Khare

Noida

Summary

A professional fintech leader with six years of experience in NBFC, healthcare financing, and EdTech lending. Proven expertise in end-to-end credit operations, risk management, and merchant onboarding, with strict due diligence and compliance controls. Skilled in evaluating merchant creditworthiness, implementing KYC/AML frameworks, and enforcing risk policies to minimize NPAs. Track record of managing high-value loan portfolios, forging NBFC partnerships, and scaling nationwide merchant networks. Recognized for streamlining credit workflows, integrating tech-driven solutions, and transforming operational challenges into sustainable growth.

Overview

7
7
years of professional experience
1
1
Certification

Work History

Credit Operations Manager

CarePay Money
Gurugram
03.2024 - Current
  • Leading a 5-member team to deliver accurate credit assessments, ensure policy adherence, and provide merchant support within SLA, applying Agile methodologies for faster iteration and problem resolution.
  • Spearheaded partnerships with four leading NBFCs, enabling financing for over 700 healthcare merchants across India.
  • Led API integration for all four lenders, embedding preventive measures during the journey to ensure smoother, error-free processing. Leveraged a thorough understanding of merchant and customer pain points to make strategic process changes, resulting in a more efficient and user-friendly experience for both merchants and end customers.
  • Designed and enforced merchant due diligence frameworks, achieving 100% KYC/AML compliance, and reducing onboarding risks.
  • Implemented data-driven credit risk controls and analytics dashboards, cutting default incidents by 28%.
  • Streamlined onboarding workflows, reducing merchant activation time by 38% through process optimization and Lean Six Sigma principles.

Manager- Operations

Think & Learn Pvt. Ltd.
Noida
11.2018 - 02.2024
  • Built and led a six-member regional team, setting performance benchmarks and driving portfolio growth through disciplined credit evaluation and proactive risk controls.
  • Managed and scaled loan operations across North India, overseeing a ₹120+ crore portfolio, while keeping NPAs consistently below 1.5%.
  • Designed and implemented comprehensive merchant due diligence and KYC/AML processes, ensuring 100% policy compliance, and eliminating onboarding fraud risks.
  • Revamped the merchant onboarding journey by integrating VKYC, Aadhaar XML, and multi-currency activation, improving onboarding efficiency, and boosting merchant satisfaction scores by 24%.
  • Reduced loan processing turnaround time by 30% using workflow automation, cross-team coordination, and Lean Six Sigma process improvements.
  • Partnered with tech and product teams using Agile methodologies to develop data dashboards and MIS reporting tools, enabling faster decision-making and early risk detection.
  • Resolved complex portfolio and insurance reconciliation cases, providing root cause analysis, and preventive measures to avoid recurrence.
  • Served as the primary escalation point for high-value cases, balancing compliance adherence with merchant relationship management to drive long-term retention.

Associate Software Engineer

Accenture Services Pvt. Ltd.
Mumbai
06.2018 - 10.2018
  • Developed and customized software solutions in Agile environments, improving process efficiency by 18%.
  • Contributed to the Mondelez International automation project, delivering process enhancements and reducing manual intervention.
  • Collaborated with cross-functional teams to analyze requirements, automate workflows, and enhance code quality.

Education

Bachelor of Technology - Electronics & Telecommunication

Narsee Monjee Institute of Management Studies
Mumbai
06-2018

Delhi Public School
01-2014

Delhi Public School
01-2012

Skills

  • Power BI
  • Lean Six Sigma – Green and Yellow Belt
  • Microsoft Office Suite
  • MySQL
  • Python
  • BRDs, SOPs, UAT Logs
  • Agile Methodologies
  • KYC/AML & Portfolio Risk Controls

Accomplishments

  • NBFC and lender partnerships – collaboration with multiple lending partners to enable financing solutions across diverse merchant networks
  • Product and API integration support – ensuring smooth tech implementation with preventive measures for error-free customer journeys
  • KYC/AML Compliance & Due Diligence – 100% adherence to regulatory guidelines, fraud prevention, and onboarding risk controls.
  • Credit risk assessment and underwriting – comprehensive evaluation of merchant/customer creditworthiness, financial analysis, and policy-based decision-making
  • Portfolio and NPA management – end-to-end portfolio oversight, risk mitigation, and maintaining NPAs below industry benchmarks
  • Merchant onboarding and relationship management – scalable onboarding frameworks (VKYC, Aadhaar XML, API integrations), and merchant satisfaction improvement
  • Process optimization and workflow automation – applying Lean Six Sigma principles to reduce turnaround times and improve efficiency
  • Agile methodologies and cross-functional leadership – leading teams in iterative project delivery, stakeholder coordination, and rapid problem-solving
  • Data analytics and reporting – Power BI, MySQL, Python, and MIS reporting for strategic insights and early risk detection

Certification

  • Data Analyst – IBM (2023)
  • Scrum Master – LearnQuest (2023)
  • Lean Six Sigma – Green & Yellow Belt, Udemy (2022)
  • Business Finance – IIBF (2019)

Languages

Hindi
First Language
English
Proficient (C2)
C2

Timeline

Credit Operations Manager

CarePay Money
03.2024 - Current

Manager- Operations

Think & Learn Pvt. Ltd.
11.2018 - 02.2024

Associate Software Engineer

Accenture Services Pvt. Ltd.
06.2018 - 10.2018

Bachelor of Technology - Electronics & Telecommunication

Narsee Monjee Institute of Management Studies

Delhi Public School

Delhi Public School

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