Hardik Chandarana

Hardik Chandarana is an experienced finance professional currently serving as Area Credit Manager at RATNAAFIN since January 2025. Previously, Hardik held the position of Deputy Credit Manager at Equitas Small Finance Bank from June 2022 to January 2025, where responsibilities included credit underwriting. Prior to that, Hardik worked as Branch Credit Manager at Aadhar Housing Finance Ltd. from August 2020 to June 2022 and at ART Housing Finance (India) Ltd. between January 2018 and August 2020. Early career experience includes a Credit Officer role at IIFL Home Loans from February 2016 to December 2017 and positions at Reliance Home Finance Ltd. and Kotak Mahindra Prime Ltd., contributing to a robust background in credit management and operations within the housing finance sector.