Chartered Accountant with 13+ years of leadership in credit operations, underwriting, and risk management
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Chartered Accountant with 13+ years of leadership in credit operations, underwriting, and risk management across top-tier NBFCs. Proven expertise in automating credit frameworks, building scalable governance processes, and leading large, multi-state teams. Recognized for driving operational excellence and ensuring portfolio quality in high-growth lending environments.
Vice President – Credit Operations at Lendingkart Finance Limited (2025-04 – Present)
Overseeing end-to-end credit operations, underwriting, and risk management across digital lending portfolios. Managing Pan-India credit operations with a focus on automation, analytics, and governance to enhance decisioning and scalability.
Head – Credit Operations at Lendingkart Finance Limited (2022-04 – 2025-03)
Overseeing end-to-end credit operations, underwriting, and risk management across digital lending portfolios. Managing Pan-India credit operations with a focus on automation, analytics, and governance to enhance decisioning and scalability.
Zonal Manager – Underwriting at Bajaj Finance Ltd (2021-12 – 2022-03)
Led underwriting and credit operations across Gujarat, Madhya Pradesh, and Chhattisgarh. Managed both Unsecured (SENP & SEP) and Secured product portfolios, ensuring process adherence, quality credit decisions, and operational efficiency across high-volume regions.
Senior Regional Manager – Underwriting at Bajaj Finance Ltd (2019-04 – 2021-12)
Led underwriting and credit operations across Gujarat, Madhya Pradesh, and Chhattisgarh. Managed both Unsecured (SENP & SEP) and Secured product portfolios, ensuring process adherence, quality credit decisions, and operational efficiency across high-volume regions.
Regional Credit Manager at Bajaj Finance Ltd (2017-03 – 2019-03)
Led underwriting and credit operations across Gujarat, Madhya Pradesh, and Chhattisgarh. Managed both Unsecured (SENP & SEP) and Secured product portfolios, ensuring process adherence, quality credit decisions, and operational efficiency across high-volume regions.
Area Credit Manager at Bajaj Finance Ltd (2014-07 – 2017-03)
Led underwriting and credit operations across Gujarat, Madhya Pradesh, and Chhattisgarh. Managed both Unsecured (SENP & SEP) and Secured product portfolios, ensuring process adherence, quality credit decisions, and operational efficiency across high-volume regions.
Credit Manager at Bajaj Finance Ltd (2013-01 – 2014-06)
Led underwriting and credit operations across Gujarat, Madhya Pradesh, and Chhattisgarh. Managed both Unsecured (SENP & SEP) and Secured product portfolios, ensuring process adherence, quality credit decisions, and operational efficiency across high-volume regions.
Chartered Accountant (CA) – The Institute of Chartered Accountants of India (2012)
MFC in Accounting & Finance – J.N.V. University (2007 – 2009)
B.Com – M.D.S. University (2004 – 2007)
