Kshitiz Keshav Bhardwaj

Kshitiz Keshav Bhardwaj currently holds the position of Area Credit Manager at Godrej Capital, where responsibilities include establishing the Credit Underwriting Team Unit and managing comprehensive credit appraisal for business loans. Previously, Kshitiz served as a Senior Credit Manager at HDFC Bank for nearly eight years, recognized multiple times with awards for excellence in performance and fraud prevention. Kshitiz's experience also includes roles as Credit Manager and Management Trainee at HDFC Bank, Regional Underwriting Manager at ICICI Lombard, and various internships. Kshitiz holds an MBA in Finance from IBS Hyderabad and a B.Tech in Electronics and Telecommunication from Sir Padampat Singhania University.