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Ritwick Bhardwaj

Ritwick Bhardwaj

Senior General Manager — Digital Lending at CARS24

ritwick-bhardwaj
Gurugram, Haryana, India
Joined November 2025
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Summary

Experienced operator in digital lending and partnerships: Ritwick currently leads digital‑lending initiatives at CARS24 and has held strategic alliances and digital retail lending leadership roles there, indicating expertise in building lender/partner integrations, productising finance flows, and operating lending programs at scale. rocketreach+1
Cross‑sector program and monetisation leader with product/edtech and e‑commerce experience: Before CARS24, Ritwick led programs and monetisation at Dukaan and worked as a Program / Process Manager at Vedantu — roles that suggest strengths in go-to-market programs, merchant/partner monetisation strategies, and operational scaling. rocketreach+1
Analytical foundation from urban/transportation systems: Ritwick holds an M.Tech in Infrastructure/Transportation Systems (C-TRANS) from IIT Roorkee and a Bachelors in Urban Planning from MANIT, reflecting formal training in transport planning, GIS, and urban systems — a background that complements mobility roles (Zoomcar, TRAFI) and data/operations work. ac+1

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