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Pankaj Malhotra has a robust background in risk management and credit analysis, currently serving as the Deputy Vice President of Risk Management at Siemens Financial Services Private Limited. Previous roles include positions at Macquarie Group as part of the Credit & Risk team in India, a Credit Analyst at Cisco Systems Capital India Private Limited, and a Deputy Manager in Credit & Operations at IndusInd Bank. Pankaj also held the title of Audit Manager at A. Arora & Associates. Educational qualifications include an Executive Program in Communication and Strategies for Corporate Leaders from the Indian Institute of Management, Calcutta, and a C.A.I.I.B. in Banking & Finance from the Indian Institute of Banking and Finance.