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Vikas Dharkar is an experienced finance professional with over a decade in risk and credit management. Currently serving as Territory Risk Manager at Fullerton India Credit Company Ltd. since February 2011, Vikas previously held the position of Area Credit Manager at TVS Credit Services Ltd. from September 2006 to February 2011. Educational qualifications include a Bachelor of Commerce in Banking and Financial Support Services from Modern Education Society's Ness Wadia College of Commerce, Pune, and a 10th-grade education with a focus on Physics, Chemistry, and Mathematics from S B High School, Pune.