Dhruv Bhavsar

Credit-focused banking professional with 2+ years of hands-on experience in retail and MSME credit underwriting, portfolio monitoring, and regulatory compliance at The Kalupur Commercial Co-Operative Bank Ltd. Strong expertise in financial analysis, CIBIL assessment, income evaluation, and secured lending documentation. Experienced in managing end-to-end credit appraisal processes while ensuring adherence to RBI guidelines and internal risk frameworks. Adept at identifying credit risks, assessing repayment capacity, and maintaining asset quality. Seeking to contribute analytical and underwriting capabilities within a Bank or NBFC credit function.