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Haresh Choulkar is currently working as the Head Credit Policy and Operational Risk at BOBCARD. He has extensive experience in credit risk management, policy development, fraud prevention, and automation in the banking sector. Previously, he has held leadership roles at companies like SBI Card, IDFC Bank, and DBS Bank, where he launched various banking products and managed risk evaluation processes. Haresh's educational background includes a Master's degree in Finance from SVKM's Narsee Monjee Institute of Management Studies.