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Vipul Panchal is a seasoned professional with extensive experience in credit management and finance, currently serving as the Area Credit Manager for Gujarat at JM Financial Home Loans Ltd since April 2022. Prior to this role, Vipul held the same position at Shriram Housing Finance Ltd from February 2018 to April 2022. Vipul's previous experience includes serving as Branch Credit Manager at Reliance Capital and ICICI Home Finance Company Limited, and as Senior Officer in Finance and Accounts at Adani Township & Real Estate Co Pvt Ltd. Vipul began their career as an Assistant Credit Manager at Indiabulls. Vipul holds a Bachelor of Commerce degree in Accounting and Finance from Gujarat University, completed in 2001.