Dhawal Gandhi

Senior Credit Analyst

Dhawal has experience of over 6 years in the field of credit assessment and underwriting of SME clients.

At Vianta, his role involves execution of mandates involving:

  • Arrangement of bank facilities for corporates in UAE. This includes write up of credit proposals, analysis of financials/ratios, business models, providing inputs in the structuring and pricing of the transactions, co-ordination with clients and banks for smooth execution of mandates;
  • Working on restructuring assignments – involving assisting stressed companies to restructure their bank obligations to suit new business conditions;
  • Working on forensic due diligence on corporates, for banks. Prior to Vianta, he worked with Edelweiss Housing Finance Limited as Credit Manager in Mumbai. His responsibilities included credit underwriting of mortgage proposals, supervising the disbursement process, ensuring compliance with policy and process, handling a team of credit officers etc.

Prior to Edelweiss, he worked for IndusInd Bank Ltd as a credit analyst for the Business Banking Group in Mumbai, responsible for assessing credit applications of SMEs for their working capital requirements, preparation of appraisal notes, co-ordination with clients and risk department and so on.

Dhawal is qualified Chartered Accountant and has a B.Com degree from the Narsee Monjee College of Commerce and Economics.