Pankaj Parmar

Pankaj Parmar has over two decades of experience in the financial sector, specializing in risk management, credit policy formulation, and personal loans. Currently serving as the Head of Retail Risk at Gulf International Bank since September 2011, Pankaj is responsible for developing Retail Credit and Collections Policies and managing compliance in consumer loans and credit card underwriting. Prior roles include Head of the Secured Lending Unit at Arab National Bank, where Pankaj formulated credit policies for mortgages and automobile financing, and Country Head-Personal Loans at Apnaloan.com, overseeing revenue and profitability. Pankaj's career includes positions at American Express Bank, ABN AMRO Bank, Esanda Finanz & Leasing Ltd., and Gujarat Lease Financing Ltd., with a strong focus on product management and relationship building across various loan segments. Pankaj holds an MMS in Finance from the University of Mumbai and a BBA in Finance from Sardar Patel University.