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Atul Bhandari serves as the Deputy Credit Manager at Ujjivan Small Finance Bank since September 2022, where responsibilities include credit understanding, personal discussions, case appraisals, and related credit work. Prior to this role, Atul held positions such as Assistant Operations Manager at AU SMALL FINANCE BANK and Assistant Manager at Kotak Mahindra Bank. Experience also includes work as a Credit Support Officer at Moksha Financial Services Pvt Ltd, Auditor at Atul Premdayal & Company, and Assistant at CA Shubham Mundra & Co. Education includes ongoing pursuit of a Master of Business Administration in Finance at NMIMS CDOE and a Bachelor of Commerce from INSTITUTE OF MANAGEMENT STUDIES, DAVV, Indore.