Kavi AroraManaging Director & CEO
Mr. Kavi Arora joined Religare Finvest Limited in year 2008 to spearhead the group’s lending platform. It was his vision and farsightedness to focus on Small Business Lending as the core business segment.
The company under his able leadership has grown into being one of the key SME lending financial institutions in India, supporting entrepreneurs realize their dreams and thus evidencing true to the organizations vision of ‘ In your success, lies ours’. It is this empathetic approach that has led to building up a book size of over 18,118 Crs as on 31st March, 2016.
Kavi’s vision has enabled Religare Housing Development Finance Corporation Limited to be recognized as a strong affordable Housing Business differentiated on ‘trust’ and ‘convenience’ supported by a distinct and robust underwriting framework. RHDFCL crossed a disbursement record of 100 Crores in March 2016, building the book size of over 829 Crores as on 31st March, 2016
With over 22 years of diverse experience in financial services and ITES industry, Kavi has been associated with reputed companies such as ABN Amro Bank, ATS Services, CitiFinancial, 20th Century Finance, Consortium Finance and GE Capital. During his career Kavi has managed assignments of high repute both at domestic as well as international locations. He has been recognized for his outstanding performance through many accolades and awards during the course of his career.
Kavi has also contributed in various SME focused forums and has written articles and whitepapers on subjects related to entrepreneurship such as Family Managed Businesses Business Planning Tips for SMEs. Kavi is currently the Chairman of Regional Council on MSMEs for CII in Northern Region and also a member of CII’s National Council on MSMEs. He is also the Chairman for a very critical initiative of CII for providing financial advice and support to its members, called CII Finance Facilitation Centre.
An avid sportsman, Kavi brings his go-getter attitude to the field in sports such as hockey and cricket for which he has represented the teams at National and University levels and also pursues his love for Golf. A true philanthropist, Kavi supports an orphanage where he likes to spend time with the children whenever possible.
His academic qualifications include a Bachelor’s Degree in Commerce from Panjab University, a Diploma in Systems Management from NIIT and a Master’s Degree in Business Management from University Business School, Chandigarh.
Abhijit GhoshPresident & Chief Business Officer
A science graduate from the University of Calcutta, Abhijit Ghosh is responsible for the entire distribution as President & Chief Business Officer. He joined Religare in 2010 and spearheaded special projects in Healthcare and Insurance Broking functions in the group at leadership levels, before taking up the responsibility of building the SME Lending business in the most ‘entrepreneur focused’ regions of the country.
Having a rich product distribution experience from Future Capital, ICICI Securities, ABN Amro Bank & ICICI Bank, he has thoroughly evolved and integrated the Sales, Operations & Credit underwriting functions to make the region a profit centre.
Abhijit is actively involved with the SMEs in his region by proactively organizing & participating in various SME focused Expos, conclaves, seminars & Personal discussion meetings which has enabled him to be constantly connected to the dynamics of the business.
Pankaj SharmaPresident & CRO
Pankaj has over 27 years of rich experience in Credit and Risk of which he has been with Citibank N.A./ Citicorp Finance (India) Ltd for about 15 years. He started his career from L&T Ltd. in 1989 as Branch Engineer finalizing merchandising plans for their entire range of construction and earthmoving equipment. In 1997, he moved to RPG Itochu Finance Ltd in the role of Business Development for construction equipment. It was in 1999 that he joined Citicorp Finance (CFIL) and managed transportation and equipment finance businesses thereby underwriting credits, managing portfolio within program parameters of net credit losses & delinquencies and applied rehabilitation and remedial measures for stressed accounts. He has also handled various roles in Citicorp Finance including Portfolio and Operational Risk Manager, Risk Head of Asset Backed Finance and Head of Equipment Management Group. He was last designated as Managing Director in CFIL.
Prior to joining Religare Finvest Limited, Pankaj was working as Director and Risk Head- Citibank N.A. for Asset Backed Finance under Commercial Banking Group. He is a B.Tech from REC Kurukshetra- batch of 1989.
Bipin KabraPresident & Chief Financial Officer
Bipin has over 20 years of total experience in various BFSI spaces such as Capital Markets, Insurance & Banking. Bipin worked from ’92 to ’01 with SBI Capital Markets as Asst. Vice President in treasury, leasing & public issue management. Subsequently, he worked with ICICI Bank from ’01 to ’05 as AGM in International Banking Group and then worked with Reliance General Insurance as Dy. CEO & CFO up to ’08.
His last assignment was with Dhanlaxmi Bank as President & CFO for approx. 4 years.
He brings in substantial experience in resource raising from Banks, NBFCs, FIs, MFs, Insurance Cos., FIIs & PEs and has interacted substantially with regulators such as RBI, IRDA, Taxation authorities & SEBI.
Bipin is a rank holder Chartered Accountant ’91 batch.
Mohit KapoorDirector – Legal & Compliance
Mohit Kapoor joined Religare Finvest Limited as Director-Legal & Compliance in May 2013 from Aon Hewitt where he was the Chief Counsel for the Asia Pacific Region.
With over 24 years of total experience, he brings a rich blend of working with legal firms for over 8 years & corporate experience for 16 years with several reputed corporates.
Mohit has, in the past worked in firms like JB Dadachanji & Co., Kochhar & Co. at New Delhi and Nagashima, Ohno & Tsunematsu based in Tokyo, Japan. Subsequently, he worked in senior management roles at IMG & TWI as Legal Counsel-India, Citibank as General Counsel-Global Consumer Group and Max Life Insurance Co. He holds rich experience in handling legal issues related to financial services in general and issues related to dispute resolution and corporate litigation across various forums, as also corporate documentation and consulting.
Mohit is a law graduate from Delhi University after acquiring a B.Com. degree from Kirori Mal College (Delhi University). He is also a qualified Solicitor of the Supreme Court of England & Wales.
Sachin SharmaDirector- IT-OPs & Strategic initiatives
Sachin Sharma is responsible for conceptualizing, developing and executing strategies for making the organization future ready at all times. Creating new business lines in the SME segment is an area that Sachin works upon to ensure that there is a regular stream of opportunities and Religare is leveraging those.
He joined Religare in July 2008 as the SME business head and Regional Business Director for two different regions.
He has prior experience of setting up the cards & loans business for RBS in Gujarat & has served as the Head of cards & loans for North region, before managing the role of Centre Manager for Gujarat for ICICI Prudential. Prior to this, Sachin worked with Citi Financial and was a part of startup teams leading consumer durables, two wheelers and personal loans businesses.
A London Business School graduate, Sachin has a keen interest in technologies & loves to sing and listen to music.
Ashish AnandDirector & Head – Human Resources
Ashish Anand is responsible for driving all strategic HR plans such as Culture building, PMS, Compensation & Benefits, R&R, Employee Engagement, Hiring & On-Boarding, OD & Training. All his efforts are guided towards making Religare Finvest Limited & it’s subsidiary, an Employer of Choice. Besides HR function, he is also responsible for Admin & Infrastructure functions.
Having joined the Religare Group in 2008 to set up its training and development function, he thereafter managed the Business HR function for retail financial services businesses (NBFC, Health Insurance & Capital Market). He has diverse & multi industry experience of over 16 years in areas such as Org design & scale up, system thinking, employee engagement, organisational development, performance management, ESOP & Compensation management etc.
Ashish started his career at Piaggio and later worked at Dabur India, where in his last role, he was simultaneously managing various portfolios such as -international business as HR head, HR Business Partner-Sales (West & South) and Corporate HR.
He holds a bachelor’s degree in commerce from Pune University and is an alumnus of Symbiosis Institute of Business Management. Besides work, Ashish loves the game of golf and gymming.