You've had good advice..
You've had good advice the only thing I'll add is this.
I usually use epoxy for jobs like this but when you fill a divot with epoxy just know that when it cures it will be harder than the surrounding gel coat. If you just attempt to sand it all flush you'll wear away the surrounding gelcoat faster than the new thickened epoxy. Hope this makes sense?
One trick is to either use a razor blade or a very sharp chisel to very carefully shave it as flush as possible then try your best to apply the most pressure to the new epoxy as opposed to the surrounding gelcoat to feather it in with sand paper. Sometimes it's easier to use
3M Marine Premium Filler (LINK).
3M Marine Premium Filler is a vinylester surfacing putty designed for fixing surface defects and because it's a vinylester it is much safer for use below the waterlne than a polyester based fairing putty like Bondo or some of the polyester Evercoat products that can eventually saturate with moisture.
Either epoxy or a vinylester like the 3M Marine Premium are the preferred below waterline fixes but the 3M vinylester sands and feathers at a closer rate to your existing gelcoat.