An OCP, PSM and PMP Certified  Professional with over 18 years of rich experience in Telecom and Banking Industry as an SME  in the area of Program-Project Manager/ Scrum master in IT Application Development ,Business Transition & Transformation, Business Banking and Credit & Risk Management. Neeraj initiated and implemented key STRAP Programs & Business Transformation Projects like RPA Automation (Through BOT and AI), IntelliMatch(Specialized tool for Heavy DB Reconciliation)  BI(Reporting), Consolidation, Planning,  Channel Commissioning tool, ERP Migration to cloud(SaaS/PaaS) and others to achieve controls and bring higher operational efficiency. He has an extensive knowledge in designing & implementing systems, policies & procedures with respect to Governance & SOX Compliance to facilitate better control and governance in outsourced environment  to achieve higher scale of economies.