Atul Kulkarni

Co-Founder

Bengaluru, Karnataka, India38 yrs 4 mos experience

Highly Stable

Key Highlights

30+ years of BFSI leadership experience.
Expert in AI and digital transformation.
Proven track record in managing large teams.

Stackforce AI infers this person is a seasoned leader in Fintech with extensive experience in banking and asset management.

Contact

Skills

Other Skills

Team ManagementCreditBankingRelationship ManagementMISLoansCross SellingCredit RiskCredit AnalysisRisk Management

About

- An experienced dedicated Banking & NBFC Retail Asset collection & Sales professional . - Excellent In-depth knowledge & hands on experience on Various collection process, across products from Soft collection to stressed collection. - Capable of driving bigger teams, Running call centres, Strategic planning & implementation, team building, nanaging NPA & delivering results in high pressure environment.

Experience

38 yrs 4 mos

Total Experience

3 yrs 8 mos

Average Tenure

1 yr 8 mos

Current Experience

Itcart

Senior BFSI consultant

Nov 2024 – May 2025 · 6 mos · Bengaluru, Karnataka, India

Perry johnson & associates limited

Business Consultant

Sep 2024 – Present · 1 yr 8 mos · Bangalore Urban, Karnataka, India · On-site

Pepper advantage

3 roles

Head of Business Development

Feb 2022 – Aug 2024 · 2 yrs 6 mos

Credit intelligence

Head of Collections

Feb 2022 – Mar 2023 · 1 yr 1 mo

Retail Asset

Head of Collections

Feb 2022 – Mar 2023 · 1 yr 1 mo

Saud bahwan group llc

Senior Management Associate

Apr 2015 – Jun 2020 · 5 yrs 2 mos · Muscat, Masqaţ, Oman

Responsible for working as a part of senior management and business decision making team. Handling credit collection and sales for the entire group.

Ing vysya bank is now kotak mahindra bank

Head of Commercial Vehicles and Construction equipment.

Jan 2010 – Dec 2014 · 4 yrs 11 mos · Bangalore Urban, Karnataka, India

Responsible for starting Commercial Vehicles and Construction Equipments from scratch for the bank and developed a book size of 900+ crore with no major NPA.

Hdfc bank

Deputy Vice President

May 2008 – Dec 2009 · 1 yr 7 mos · Kolkata

Responsible for handling entire East Region which includes 10 states for extending working capital in the form of CC, OD, TL, MEOD, BG, LC to the banks and direct customers.

Centurion bank of punjab limited(hdfc bank)

Regional Business Head

Apr 2000 – Apr 2008 · 8 yrs · Bangalore Urban, Karnataka, India

Responsible for running the full retail asset business of the bank for entire South region ( 2-Wheeler, 3-Wheeler, Commercial Vehicles and Construction equipment, Car loans, Personal loans). Sales, Credit, Collection and operations for all products.

Kinetic finance limited

Regional Manager

Oct 1997 – Apr 2000 · 2 yrs 6 mos · Madhya Pradesh, India

Responsible for all financing activities in MP region for kinetic products which include sales, credit, collection, underwriting, dealers' promotion and institutional business.

Apple

Senior Manager - Apple Finance

Mar 1994 – Sep 1997 · 3 yrs 6 mos · Indore, Madhya Pradesh, India

Responsible for deposit mobilization, car financing, car loans and commercial vehicles. Credit underwriting collection for the entire Madhya Pradesh market and responsible for 5 Branches reporting to me.