Vardhan Gharat

About Vardhan Gharat

Credit professional with experience in handling ₹10–100 Cr credit deals, specializing in trade working capital finance and end-to-end deal execution.Currently working as a Credit Manager, focusing on credit risk assessment, financial analysis, and structuring of working capital facilities (CC, OD, Bill Discounting), while working closely with clients and banks to drive credit approvals.Previously worked as a Project Finance Analyst at ARS Energy Auditors, where I evaluated ESCO projects through financial modeling, IRR/payback analysis, and investor presentations. Also completed an internship at TJSB Bank with exposure to credit appraisal and banking operations.Hold a Master’s in Management Studies (Finance) from Mumbai University. Interested in building a career in credit risk, corporate banking, and investment analysis

Experience

1. Credit Manager

   Vpinnacle Loans

   Apr 2026 — Present · Mumbai, IN

   Handling ₹10–100 Cr credit deals, including structuring and risk assessment. • Specialized in Trade Working Capital Finance (CC, OD, Bill Discounting, etc.). • Conducting financial analysis, CMA preparation, and DSCR evaluation. • Collaborating with clients and banks for credit structuring and approvals. • Leading a team and ensuring timely execution of proposals. • Monitoring credit quality and supporting end-to-end loan processing.

Education

• Utkarsh Vidyalaya

  SSC

• The Institute of Company Secretaries of India

  Foundation

  2018 — 2019

• Viva junior college, Virar

  HSC, commerce

  2017 — 2018

• DURGADEVI SARAF INSTITUTE OF MANAGEMENT STUDIES, MUMBAI

  Masters in Management Studies - MMS, Finance

• University of Mumbai

  Bachelor of Commerce - BCom, Financial Accounting and Auditing