Kshitiz Keshav Bhardwaj

Area Credit Manager @Godrej Capital

Chandigarh, IN

Established the Credit Underwriting Team Unit in the States of Punjab, Chandigarh, Hand parts of Haryana.• Orchestrated comprehensive Credit Appraisal Underwriting of Business Loan files.• Conducted thorough financial analysis, evaluating creditworthiness and feasibility for granting loans, producing detailed Credit Approval Memos (CAM), including face-to-face Client visits• Managed end-to-end Credit Backend processes at the States level, imparting training to improve Credit, Operations, and Sales documentation efficiency.• Ensured compliance with pre and post-sanction credit risk policies.• Collaborated actively with 3rd party CPV vendors, monitoring verifications checks, and adhering to turnaround time requirements.• Provided essential inputs for credit policy design, new initiatives, and adjustments based on market feedback and competitor practices.• Coordinated with Operations team for disbursal, OTC (Over the Counter), and PDD (Post Disbursal Documentation) process.• Managed MIS (Management Information System) for the vertical.

IBS Hyderabad

Master of Business Administration (M.B.A.)

Sir Padampat Singhania University

Bachelor of Technology (B.Tech.)

India International School

Higher Secondary