NEERAJ YADAV

Driving product innovation and strategic delivery for the Auto Finance division, overseeing a portfolio of digital retailing and credit solutions. Transformed the traditional lending and directed a critical operational oversight initiative.

• Leadership Recognition: Recipient of the prestigious Porter Cup (Ron Porter Award) and recognized as a three-time "Best of the Best" award winner for exceptional performance, leadership, and business impact.
• $75MM Incremental Revenue Strategy: Conceptualized and executed the "NSP Removal" initiative, re-engineering workflows and optimizing loan structures to deliver $75M in annual incremental business volume.
• Market-Leading Product Launch (Star 6 & 7): Spearheaded the launch of the "Star 6 and 7 – 96 Months Open Term" program, capturing an untapped near-prime market segment.
o Impact: Generated $25MM+ in monthly business volume (approx. $300MM+ annualized), contributing 30% of total company revenue for near-prime automotive finance.
o Performance: Achieved a 200%+ increase in system auto-approvals for this segment, exceeding risk-adjusted return targets.
• Digital Transformation & Integration: Orchestrated the Inovatec (Propel to Scotiabank LOS) integration, creating a seamless digital adjudication pipeline.
• Operational Efficiency & Automation: Directed Auto Approval Enhancements, eliminating redundant rules.
o Impact: Increased auto-approval rates by 300%+ while maintaining strict adherence to credit risk.
o Cost Reduction: Reduced escalation touches per application by 60% (from 2.6 to 1.6), significantly lowering operational overhead.
• Regulatory & Risk Oversight: Championed the LTV & Risk-Based Pricing strategy, to lower average Loan-to-Value, mitigating delinquency rates while improving Net Interest Margin (NIM) by 30 bps per booked loan.
• Strategic Partnerships: Introduced the "Mitsubishi Loyalty" and "Polestar" programs, driving new vehicle bookings to 25% of total annual volume.
• System automation: Eliminated manual credit bureau pulls, removing duplicate requests, improving data accuracy, and delivering 100%+ efficiency gains in bureau generation.
• Successfully integrated the ESC system to diversify repo-recovery vendors, enhancing operational resilience and reducing single-point-of-failure risk.

Strategic consultant who defined the Go-to-Market (GTM) strategy for a sustainable consumer goods startup.

• Growth Strategy Execution: Architected a multi-channel GTM roadmap including market sizing and segmentation. Delivered a 40% increase in monthly business through targeted customer acquisition campaigns.
• Digital Channel Optimization: Steered the Direct-to-Consumer (DTC) web platform design and testing, driving 70% of total company sales through the proprietary website within 6 months.
• Retention: Implemented data-driven lifecycle marketing strategies, improving customer retention rates by 10%.

Led enterprise-level payment strategy for India’s leading fintech decacorn, managing a $200MM+ portfolio.

• Scale & Transaction Growth: Developed and executed the program strategy for new payment products, resulting in a 60% surge in monthly transaction volume.
• Super-App Ecosystem: Introduced diverse in-app categories (Ride-hailing, Food Delivery, Insurance), which contributed 5% of total company revenue within just 4 months of launch.
• Hyper-Growth Acquisition: Leveraged advanced data analytics to refine product positioning and competitive intelligence, catalysing a 700% increase in monthly customer acquisitions.

Managed end-to-end product lifecycle for the automotive finance division of Mercedes-Benz/Daimler.

• Market Penetration: Analysed market trends to restructure the product suite, driving a 70% increase in business penetration across key dealership networks.
• Innovation: Led the development of Proof of Concepts (POCs) and conducted extensive UX research to digitize market operations, presenting roadmap recommendations directly to C-suite executives.

• Built, and supervised a team to develop business, manage dealer partnerships and relationships, resource training, client requirements, and processing of loan files, generating $3MM Million business per month.