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D V L Phanindhar Rao is an experienced finance professional specializing in credit management for SMEs, with a focus on agribusiness financing in the Andhra Pradesh and Telangana regions. Currently serving as AVP - Cluster Credit Manager at AU Small Finance Bank since September 2022, D V L Phanindhar Rao has previously held prominent roles in Bandhan Bank, YES BANK, Axis Bank, and ICICI Bank, where responsibilities included credit underwriting, risk analysis, and client relationship management across various lending products. D V L Phanindhar Rao holds a PGDM in International Business from Siva Sivani Institute of Management and a Bachelor of Commerce from Badruka College.