Gaurav Bhardwaj

About Gaurav Bhardwaj

Currently working as a Branch Credit Manager with hands-on experience in financial spreading, credit underwriting, and covenant testing. I specialize in analyzing financial statements, identifying borrower risk, and ensuring compliance with loan terms- contributing to sound credit decisions and effective portfolio risk management.A PGDM/MBA graduate, backed by a strong problem- solving mindset and leadership experience. I am passionate about Risk Management, Investment Banking, Corporate Finance, Valuation, and Data Analysis, with a growing interest in Economics.I bring a positive attitude, adaptability, and a commitment to continuous learning—always eager to take on new challenges and expand my skill set in the dynamic world of finance.

Experience

1. Branch Credit Manager

   APAC Financial Services Private Limited

   Jul 2025 — Present · Jaipur, IN

   Handling end-to-end credit underwriting for secured business loans and LAP in the MSME segment. Responsibilities include in-depth financial analysis (ITRs, bank statements, GST returns), property and document verification, and field visits to assess business viability and cash flows. Prepare credit appraisal notes, evaluate risks, and ensure compliance with internal policies and RBI guidelines. Coordinate with sales, legal, and technical teams to ensure timely disbursals, high-quality approvals, and strong portfolio performance.

Education

• Amar Memorial St. George's Preparatory School Varanasi (U.P.)

  10th

• Vaish College, Bhiwani

  Bachelor of Commerce - BCom,Accounting and Finance, Accounting

• Sed Sr.Sec.School Bhiwani (Haryana)

  12th, Commerce

• Jaipuria Institute of Management

  PGDM , Finance & Marketing