Deepak Gandhi
About Deepak Gandhi
Deepak Gandhi is an Area Credit Manager at AU Small Finance Bank, where he has worked since 2015. He has a background in Chartered Accountancy and has played a significant role in establishing credit policies and managing mortgage loan underwriting in India.
Work at AU Small Finance Bank
Deepak Gandhi serves as the Regional Credit Manager at AU Small Finance Bank, a position he has held since 2015. He operates in the Jaipur area and has been with the bank for nine years. His responsibilities include overseeing the SME and mortgage loan underwriting processes and managing the mortgage business portfolio. He has played a significant role in team hiring and management, focusing on meeting risk and profitability targets. Additionally, he was instrumental in setting up a vendor network and back-end systems to enhance operational efficiency within the bank.
Previous Experience at ICICI Bank
Prior to his current role, Deepak Gandhi worked at ICICI Bank as a Regional Credit Manager from 2006 to 2012. During his six-year tenure in the Bhilwara area, he gained extensive experience in credit management. His work involved overseeing credit processes and contributing to the bank's overall credit strategy.
Education and Expertise
Deepak Gandhi studied at The Institute of Chartered Accountants of India, where he achieved the Chartered Accountant designation between 2000 and 2003. His academic focus included Banking, Corporate, Finance, and Securities Law, which provided him with a strong foundation in financial regulations and practices relevant to his career in credit management.
Key Contributions to Credit Policies
At AU Small Finance Bank, Deepak Gandhi has been pivotal in establishing credit policies and processes for mortgage and secured business loans, particularly in the regions of Gujarat and Rajasthan. His contributions have helped shape the bank's approach to lending, ensuring that it aligns with both regulatory requirements and market demands.