Bhagwat Karhale

Bhagwat Karhale is an experienced finance professional with a robust background in credit management. Currently serving as Branch Credit Manager at Equitas Small Finance Bank since January 2023, Bhagwat conducts detailed financial analyses to assess credit limits for MSME customers and excels in strategic negotiations with stakeholders. Previously, Bhagwat held the position of Credit Manager at Adani Group from September 2018 to September 2021, where tailored working capital solutions were delivered to a diverse clientele. Bhagwat's earlier experience includes a role as Branch Credit Manager at ICICI Bank Ltd, managing underwriting and appraisal processes for various MSME products and agricultural financing. Educational qualifications include an MBA in Banking and Information Technology from the Indian Institute of Technology, Madras, and multiple diplomas in Banking and Finance from Manipal University, alongside a Bachelor of Engineering in Electrical, Electronics, and Communications Engineering from Shivaji University, Kolhapur.