Bhavin Joshi currently serves as the Regional Business Head at L&T Finance since June 2024, overseeing Urban Finance, Rural Finance, Micro Finance, SME Finance, Home Loans, Loan Against Property (LAP), and Personal Loans. Prior experience includes a longstanding tenure at ICICI Bank from August 2006, where Bhavin held the positions of Zonal Head for Unsecured Assets, covering Gujarat, Rajasthan, and Madhya Pradesh, and Regional Head for Cards & Payment Solutions focused on credit cards. Additionally, Bhavin worked as a Territory Manager at Tata Infomedia Ltd from June 1998 to August 2006. Bhavin holds a degree from the University of Mumbai.