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He is a qualified Chartered Accountant and a Company Secretary. He also holds a bachelor’s degree of Commerce from Mumbai University. He has over 14 years of rich experience in BFSI sector, more particularly with non-banking financial companies (NBFC), in both retail and wholesale financing businesses. With strong analytical mind, he holds deep experience across all facets of finance i.e., fund raising and treasury management, investor relations, business planning & strategy, financial reporting, tax, audit, secretarial and regulatory compliances. His last assignment was as a CFO of Xander Finance, NBFC backed by Singapore based Xander Group. His previous role included fund raising for the NBFC business from Banks/ FIs and capital markets and supervising financial reporting and regulatory compliances. Prior to Xander, he has been associated with JM Financial, Karvy Group, PricewaterhouseCoopers and Ernst & Young.

Mr. Ramdas is the Chief Credit Officer and is responsible for the credit underwriting and ensuring risk is kept in control. An MBA graduate by qualification , he has over 17 years of experience in Credit & Risk Management and has in-depth knowledge of Credit, Risk, Operations, Collateral, and portfolio management. He has worked with various renowned institutions in his earlier roles such as Cholamandalam, Kotak, Indiabulls, Barclays and others. During his last stint, he was associated with Bajaj for more than 6 years and was the HFC Divisional Head – Credit & Collateral, managing the Bangalore hub. He was instrumental in setting up rural finance in Bajaj and a successful HFC processing hub in Bangalore.

He has more than 2 decades of experience into Collections, Sales, Credit, Operations, Risk, Product, Strategy & Marketing. He holds Honours Graduate degree in Commerce from St. Xavier’s College, Calcutta and certified in “Enhancing Sales Force Performance” from IIM Ahmedabad. Earlier, he was associated with ICICI Bank, HDFC Bank, DCB, Indiabulls Housing Finance, DHFL, Magma Housing and Clix Capital

Mr. Rishikant Dubey has joined us as the Chief Risk Officer of the Company. He is an astute, result-oriented leader with over a decade of experience in Banking and financial services. He has experience in credit risk management, portfolio analysis, credit rating model development, operational risk and asset liability management of the Banks and financial services. He is an experienced and certified Professional Risk Manager (PRM) with multi-tasking abilities; having operated in high-pressure environments. His experience ranges in credit risk management like credit risk assessment, credit risk model development, credit risk model validation, ICAAP, development of RAROC template, calculation of capital charge for credit risk, IRB implementation and ECL computation in IFRS, operational risk management and policy framework for Operational Risk, Analysis of Key Risk Indicator, RCSA, Loss Data Analysis, Capital Charge Computation of Operational Risk, Fraud Risk Analysis Asset Liability Management including liquidity risk management in the Bank and Financial Services.

Mr. Gaurav Khurana is the Chief Information Officer of the Company. He holds a master’s degree in computer applications and has also completed his PGDBA from Symbiosis, Pune. He has a work experience of over 2 decades and has a highly successful track record for developing and implementing IT strategy, transforming complex business processes, and executing large-scale value-driven initiatives across the financial services domain. He has implemented large-scale transformational programs from the start-up phase including data migration of portfolio from legacy to latest technological platforms. He has experience in designing IT blueprints for organizations and implementing IT strategies across business verticals. He has previously worked for companies like Aye Finance, Hero Housing, Religare Group, and Max Life Insurance Company.

Ms. Leena Joshi is the National Head of Operations & Customer Service of the Company. She holds a bachelor’s degree in commerce from Barkatullah University and has completed her MBA from ITM -Mumbai. She is a consummate professional with over 16+ years of experience in consumer lending, encompassing sectors such as mortgages, automobile loans, and unsecured lending combining strong cross-functional expertise in operations, customer service, process migration & administration with a track record of sustained excellence with organizations as diverse as Citigroup (Citibank + CitiFinancial Consumer Finance India Ltd), Piramal Housing Finance, MetLife & SBFC.

Mr. Ashish Singhania is a qualified Chartered Accountant and master’s in human resources. He also holds a bachelor’s degree of commerce from Symbiosis College of Arts & Commerce, Pune. He has over 22 years of HR experience in BFSI sector especially in life insurance, general insurance, and non-banking financial companies (NBFC). He comes with in-depth understanding of HR practices in all functions like talent acquisition, talent management, compensation & benefits, HR operations, statutory compliances, people engagement and development. His last assignment was with ICICI Lombard general insurance company and prior to this he has been associated with companies like HDFC Ergo general Insurance company and Bajaj Allianz life insurance company”.

Mr. Rahul Mishra is the Head of Internal Audit of the company. He is a qualified chartered accountant and a law graduate with over 11 years of experience spread across various Industries. He holds profound experience across internal auditing, risk assessment and fraud risk management with an in-depth knowledge of business processes, risk and internal control framework, and enterprise risk management for the manufacturing, service, housing, and micro finance industries. Integrity, transparency, and objectivity are the key fundamentals of his work ethos. His last assignment as Head of internal audit was with Svatantra Mircofin pvt. Ltd. and Svatantra micro housing finance limited and prior to this he has been associated with valued organizations like Aditya Birla Management Corporation pvt. ltd. and Sharp & Tannan Associates.