Mr. Chander Prakash Bhardwaj

Director, Infrastructure Advisors Pvt. Ltd.

Chander Prakash Bharadwaj is a seasoned financial expert with over 20 years of experience in credit underwriting, SME lending, and risk management. At Infrastructure Advisors, he leads credit strategy and institutional financial advisory, specializing in credit risk assessment and structuring secure, scalable funding solutions for infrastructure and PPP projects.

Professional Experience
  • Group Credit Head, Reliance Capital Limited (Jul 2007 – Jul 2011 | 4 yrs 1 month) – Led credit underwriting across verticals such as mortgages, SME lending, microfinance, auto loans, inventory funding, and gold loans. Played a key role in developing credit policies, portfolio monitoring frameworks, and risk-based pricing strategies across the group.

  • Zonal Business Head – Emerging Corporate Business (SMEAG), ICICI Bank (May 2005 – Jul 2007 | 2 yrs 3 months) – Managed business development and credit solutions for SME clients in Northern India.

  • Zonal Credit Head – Commercial Business (Retail Assets), ICICI Bank (Sep 2000 – Apr 2005 | 4 yrs 8 months) – Oversaw credit operations across North and East zones for retail lending, including business loans, equipment finance, and working capital credit.

  • Regional Head, Escorts Finance Limited (Jul 1998 – Aug 2000 | 2 yrs 2 months) – Led regional business operations and managed the credit portfolio for the Northern region.

Core Competencies

Credit Policy & Underwriting Frameworks

Designing and implementing credit policies and robust underwriting frameworks to ensure sound lending decisions.

Risk-Based Portfolio Structuring

Developing and managing portfolios using risk assessment to optimize returns and minimize exposure.

SME & Retail Lending Strategy

Formulating targeted lending strategies to drive growth in SME and retail credit segments.

Infrastructure Finance Advisory

Providing strategic financial advisory for infrastructure projects, including structuring, funding, and regulatory alignment.

Institutional Debt Advisory

Advising clients on institutional debt solutions, including structuring, sourcing, and compliance with regulations.

Regulatory Compliance & Credit Governance

Ensuring adherence to regulatory standards and establishing strong credit governance frameworks for risk control.

Education & Qualifications

ICWA
(Costing, Accounting & Finance)

The Institute of Cost Accountants of India

B.Com (Hons),
Business/Commerce

Delhi University