Sandeep Bhardwaj

Sandeep Bhardwaj is a seasoned professional in the financial services sector with extensive experience in risk management and analytics. Currently serving as Chief Manager of Debt Strategy at IDFC FIRST Bank since January 2023, Sandeep previously held the position of Senior Manager for Collection Analytics at Capri Global Capital Ltd. from August 2021 to January 2023. At PNB Housing Finance Ltd., Sandeep worked as a Risk Manager from February 2013 to July 2021, focusing on risk analysis and data management involving large datasets of consumer credit accounts. Prior roles included serving as Senior Officer for MIS & Reporting at PNBHFL and Team Leader for MIS & Analysis at ABN AMRO, where expertise in background verification for loan applications was developed. Sandeep holds a postgraduate diploma in data science from the International Institute of Information Technology Bangalore and an MBA in Finance and Systems from Vinayaka Mission's Research Foundation.