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Pavan Agarwal is a seasoned finance professional with extensive experience in credit risk management and operations. Currently serving as Senior Director at Lendingkart since January 2019, Pavan leads the credit and operations vertical, focusing on underwriting and sanctioning working capital business loans while implementing automation and digitization of processes. Prior roles include AVP of Credit Risk at IndusInd Bank, where responsibilities encompassed assessing corporate advances, and Zonal Head at AU Small Finance Bank, with a focus on strategic policy and product development for SME and MSME clients. Pavan also has experience managing credit solutions and portfolios at State Bank of India and began the career as a Summer Trainee at TVS Finance Ltd. Pavan holds an MBA in Finance from Loyola Institute of Business Administration and a BCA in Computers from LMCST.