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Naveen Bhardwaj is an experienced finance professional currently serving as the Regional Manager for Group Credit & Financing at SoftwareONE since February 2020, focusing on Group Credit Risk management and underwriting. Previously, Naveen held the position of Senior Credit Analyst at COMPAREX India Pvt. Ltd. from January 2018 to February 2020 and served as Assistant Manager Credit Control at AGC Networks Ltd. for nearly nine years, where responsibilities included underwriting credit applications and negotiating payment terms. Early in the career, Naveen held finance executive roles at Huawei Telecommunications Pvt. Ltd. and Indiabulls, managing MIS, reconciliation, and accounts payable. Naveen holds an MBA in Finance from Guru Jambheshwar University and a B.Com in Commerce from Dronacharya College.