National Bank of Bahrain
Umesh S. Kulkarni is an accomplished finance professional with extensive experience in risk management and corporate finance. Currently serving as Head of Credit Risk at the National Bank of Bahrain since September 2021, Umesh oversees risks associated with large corporates and financial institutions. Previously, Umesh held various leadership positions at Abu Dhabi Commercial Bank from February 2007 to August 2021, leading the Wholesale Credit team and managing corporate credit and finance for government and strategic clients. Umesh's earlier roles include Deputy General Manager at Essar Group, where Umesh contributed significantly to the group's renewable energy initiatives, and Manager positions at L & T Capital Company Ltd. and Meghraj SP Corporate Finance. Umesh holds a Bachelor of Engineering in Production Engineering from the University of Mumbai and an MBA in Finance from the University of Pune.
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National Bank of Bahrain
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Established in 1957 as Bahrain's first locally owned Bank, we have grown steadily to become the Kingdom's leading provider of retail and commercial banking services. We play a key role in the local economy with a major share of the total domestic banking market and operate Bahrain's largest retail network of branches and ATMs. Our branches in UAE and KSA extend our capability to capture business in the Gulf Region and International markets. Our Brand Purpose is to "enrich the lives of generations" which is embodied by our Brand Promise "Closer to You". Throughout the years we have been a constant entity, interwoven within the fabric of Bahrain's society and as Bahrain's National Bank, we are committed to having a positive impact on our customers, our people, our country and our society. We are dedicated to working towards a more prosperous Bahrain and to create an environment where every member of the community has the opportunity to build a future that is safe, secure and happy.