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Kshitiz Keshav Bhardwaj has a strong background in finance and credit management, with experience across several prominent financial institutions. Kshitiz has served as Area Credit Manager at Godrej Capital and held multiple positions at HDFC Bank, including Senior Credit Manager for personal and business loans, Credit Manager, and Management Trainee. Prior experience includes a role as Regional Underwriting Manager at ICICI Lombard. Kshitiz holds an M.B.A. in Finance from IBS Hyderabad and a B.Tech. in Electronics and Telecommunication from Sir Padampat Singhania University.