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Hemant Joshi has a total of 12 years of experience in various roles within the banking and financial services industry. Their experience includes roles such as Area Credit Manager, Credit Manager, Deputy Manager, Team Leader, and Branch Credit Head. Hemant has worked with companies such as Adani Capital, AU SMALL FINANCE BANK, HDFC Bank Limited, Tata Capital, and Mahindra & Mahindra Financial Services Ltd. Their expertise lies in Credit Rating Analysis, Credit Appraisal, Operations Management, and Risk Analysis.