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Bharatbhai Rathod is an experienced professional in the housing finance sector, currently serving as a Credit Underwriter at Motilal Oswal Home Loans and as a Credit Manager at Aspire Home Finance Corporation Limited since November 2016. With a strong background in credit underwriting and financial analysis, Bharatbhai has a proven track record in handling housing loans and loan against property proposals. Previous experience includes roles as a Credit Manager at Aadhar Housing Finance Pvt. Ltd. and a Credit Officer at Shubham Housing Development Finance Company, where responsibilities included credit appraisal and portfolio management. Bharatbhai started a career in finance as a Senior Executive at Shriram Transport Finance Company, focusing on commercial and private vehicle loans. Bharatbhai holds an M.B.A. in Finance from Indu Management Institute, Vadodara.