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Gowtham Ganapavarapu is a seasoned finance professional with extensive experience in credit analysis and financial management. Currently serving as a Credit Manager at HDFC Credila Financial Services Limited since September 2022, Gowtham previously held the same title at CreditVidya from July 2021 to August 2022, focusing on assessing creditworthiness and risk identification. Earlier tenure as a Financial Analyst at S&P Global Market Intelligence from August 2018 to February 2021 involved in-depth analysis of financial statements and ensuring the accuracy of financial reporting. Gowtham’s career began with a finance internship at Sindhu Cargo Services Ltd. in 2017, where responsibilities included analyzing working capital management. Educationally, Gowtham holds a postgraduate diploma in Finance from Universal Business School, completed in 2018.