Harshal Patkar serves as the Senior Vice President and National Credit Head at AU Small Finance Bank, where he plays a pivotal role in shaping the bank’s lending strategies within the Non-Banking Financial Company (NBFC) sector, debt capital markets (DCM), and startup financing. With over...
Harshal Patkar serves as the Senior Vice President and National Credit Head at AU Small Finance Bank, where he plays a pivotal role in shaping the bank’s lending strategies within the Non-Banking Financial Company (NBFC) sector, debt capital markets (DCM), and startup financing. With over 13 years of extensive experience in portfolio management and research, Harshal has honed his expertise in credit underwriting and venture debt, making him a key player in the bank’s strategic initiatives.
In his current role, Harshal leads a dynamic team of 12 credit analysts, overseeing a substantial portfolio exceeding ₹3,500 crores, which encompasses investments across 200 domestic NBFIs and promising startups. His responsibilities include conducting rigorous due diligence on NBFIs and evaluating over 200 sector companies, ensuring that investment decisions are backed by comprehensive analysis and competitive insights. Harshal's ability to initiate investments across various structures and ratings—from AA to BBB and even unrated entities—demonstrates his adeptness in navigating the complexities of the lending landscape.
His analytical skills are complemented by a strong foundation in written communication, enabling him to articulate complex financial concepts clearly and effectively. Harshal’s proficiency in CRM and SAP systems further enhances his capability to manage relationships and streamline operations within the bank. As he continues to drive innovation in credit strategies at AU Small Finance Bank, Harshal remains committed to fostering growth and sustainability in the evolving financial ecosystem.
