Bharat is a founding team member at Vastu. He has over 15 years experience in Banking & Financial services space in credit, risk and operations function across various organizations and asset classes both in the retail and corporate lending space. Bharat has previously worked with Magma Housing Finance, HDFC Bank and Standard Chartered Bank in the Credit Underwriting function for Mortgages in the Western region. He has strong Product, Process and Risk Management domain. Bharat is a qualified Cost Accountant from the Institute of Cost and Work Accountants of India and has secured an all India Rank of 13 in his Intermediate Exams.