Mr. Pankaj SharmaPresident & Head – Corporate Planning & Strategy
Pankaj Sharma is President & Head – Corporate Planning & Strategy. Pankaj brings with him over 30 years of rich experience in Engineering and Finance. Prior to Religare, Pankaj has worked in reputed organisations like Larsen & Toubro Ltd. (L&T) for 8 years, RPG Itochu Finance Ltd., Citibank N.A. / Citicorp Finance (India) Ltd (CFIL) for about 15 years. Pankaj helmed Credit, Risk & Operations as Chief Risk Officer for five years at Religare Finvest Limited. In his current role, Pankaj works closely with the Board Members, Chairperson and the Senior Leadership Team of Religare Finvest Ltd. to steer business strategy and long term vision for the company.
Pankaj is a Bachelor of Technology (Hons.) (Mechanical) from N.I.T. Kurukshetra - 1989 Batch.
Mr. Chirag JainPresident & COO
Chirag leads the team in a strategic role as President & Chief Operating Officer, fully responsible for managing the organisation’s Information Technology, Human Resources, Centralized & Branch led Credit Operations, Customer Relationship Management (Contact Centre) and Infrastructure & Network Management, with a focus on driving and improving operational efficiencies, cost optimization initiatives and creating a group level bottom line impact.
Chirag brings with him over 25 years of experience spanning across MNC and Indian insurance companies, banking and NBFC companies, with specialization in end-to-end process conceptualization, design, technology-led implementation and operations. He has also led business transformations through digital interventions including start-up stages.
Throughout his stellar professional career, Chirag has handled various key leadership assignments been associated with leading companies like Canara HSBC OBC Life, Aviva Life Insurance, ICICI Lombard, Citibank NA & SBI Capital Markets. Prior to joining RFL, he was the Group COO, Magma Fincorp based at Mumbai.
Chirag has graduated from IIT Delhi in 1991 and has done PGDM from IIM Ahmedabad in 1994.
Mr. Rajesh MattaPresident & Chief Risk Officer
In this key leadership assignment with RFL, Rajesh spearheads the risk management architecture for the company, covering the entire spectrum of Risk Management Policy and Processes and Controls as President & Chief Risk Officer. He works closely with the Board and the senior leadership of RFL, PAN-India.
Rajesh brings with him over 24 years of experience in Credit Risk Management, Product Development, Sales and Collections in Consumer, Commercial, Business Banking (SME, MSME, Agribusiness) and Corporate Banking space. Rajesh has joined RFL from Magma Fincorp, where he was the Chief Credit Officer and prior to that, with Kotak Mahindra Bank as National Credit Manager for SME & Agri SME Businesses.
Rajesh is an MBA in Finance from Institute of Management Technology, Ghaziabad & also carries professional qualifications of CAIIB & FIII amongst others.
Mr. Sameer NandaChief Business Officer
As part of the key Executive Management, Sameer is responsible for preparing business plan, design products, devise “GO TO MARKET” strategy along with the collections responsibilities.
Sameer has over 20 years of rich experience in Asset Sales across various products including Personal Loans, Auto loans and Consumer durable loans with reputed Financial organizations. He has worked within the sales organization of large Multi-national and Indian companies – The Associates, ICICI Bank & RBS (then ABN Amro Bank).
In his last assignment with ABN Amro Bank, he was a National Sales Head for their personal loans business. He also has significant exposure to greenfield projects - either setting up new businesses, opening new markets or turning around struggling projects.
Sameer believes that his success lies in his willingness to take up difficult challenges and his ability to make them a success, not just through individual efforts but also through leading and motivating large teams to believe in and work towards a common vision.
He has completed his MBA from IILM, New Delhi in 1998.
Mr. Rajesh Vinayak GanorkarDirector & Collection Head (West & South)
In his key leadership role as Director &
Collection Head (West & South),
Rajesh is responsible for leading the Collections Unit for West & South. He
works closely with all senior business leaders across locations to drive this
Rajesh has over 20 years’
experience in Collections, Sales, Credit Management and Operations in Indian
Banks and NBFCs. Prior to joining RFL, Rajesh was associated with
financial institutions like ICICI Bank, Reliance Capital, Industry and
Motile Oswald Group.
Rajesh is an MBA in Marketing from Amravati University &
B.E. in Production from Amravati University.
Mr. Pushpinder SinghEVP & Regional Business Head
In his key leadership role as EVP & Regional Business Head, Pushpinder is responsible for driving lending business in North and East Regions. As leader he drives the Collections Unit for North & East, as well. He works closely with all senior business leaders across locations to drive these key functions.
Pushpinder brings total of over 24 years of experience in retail and commercial finance with over 14 years as profit center head with reputed organizations like Capital First Ltd, Fullerton India, and CitiFinancial Consumer Finance among others. He is part of RFL since November 2014 and has predominantly handled Integrated Business unit managing key functions such as Sales, Operations, Risk and Collections.
Prior to joining Religare, Pushpinder had a short overseas stint. In his last assignment in India he was Head - Mortgage business for Capital First. Pushpinder has played a pivotal role in building products, policies and processes along with development of sales and marketing strategy during his previous stints.
Pushpinder has completed his MBA from Punjab Agricultural University, Ludhiana.
Mr. Gaurav KaushikEVP & CFO
Gaurav is our Chief Financial Officer leading the Finance team in budgeting, MIS, finalization of accounts, project finance, working capital management efforts of the company.
Gaurav brings with him over 14 years of experience with reputed organizations such as Price Waterhouse and Lovelock Lewes, PTC India Financial Services Limited and Macquarie Group Limited. In his last assignment with Macquarie Group Limited, he was working as the VP - Finance and was responsible for financial control, process transition and deal integration. In his role at PTC India he was managing finance, accounts, taxation, treasury, financial closure and reporting, resource mobilization, internal controls and control environment within the organization.
Gaurav is a Charted Accountant and has completed his B. Com from Delhi University.
Ms. Gunjan Anand RayVP & Head - HR
In her key leadership role as VP
& Head - HR, Gunjan is responsible for
leading the HR function for RFL and provide supervisory support to
HR function of RHDFCL as well. Gunjan joined Religare Finvest Limited in July
2015 as Business HR partner for RFL & RHDFCL’s central
functions and to strengthen the recruitment and selection process.
During her tenure, she has been instrumental in
setting up the HR practices at RHDFCL, managing the employee rewards program,
anchoring the performance management and appraisal process and driving employee
engagement at RFL & RHDFCL. In March 2019, she was transferred to Religare
Enterprises Limited and was leading REL HR
function, including working cross-functionally and with all group entities for
HR related matters.
has over 9 years of experience in the areas of HR consulting &
financial services. She embarked on her post-MBA corporate journey with
Religare Enterprises Limited as part of Management Trainee batch of 2011. She
worked for over 2 years as a Business HR Partner with different entities of
Religare. Post a brief sabbatical, she joined a consulting startup, MEC
Consulting, to set up their people function in Gurgaon.
She has completed her MBA
from XIMB (2011 Batch) and BA Honors Economics from Delhi University.
Mr. Pawan SethExecutive Vice President & Head – Treasury
Pawan has 17 years of rich experience in Treasury, Budgeting, Planning, M&A and Strategy. He is with Religare Group from the last 9 years.
His diverse experience in Religare in Treasury encompasses managing the interface with the Capital Market and Banks, Managing the Overall Liquidity Position, Investments, Borrowing Strategy, Growth Capital, Dealing with Rating-Agencies, etc.
Pawan has extensive experience in handling Treasury in FMCG, IT/ITES, aviation andfinancial services industries. Prior to joining Religare, Pawan has worked with Spicejet Limited, NIIT Limited and DS Group and established their hedging desk, handled investments, borrowings and was responsible for overall treasury operations in India and overseas.
Pawan is a MBA finance from Birla Institute and is a Gold Medallist in B. Com(H) from Aligarh Muslim University. He has also completed Management Development Program from Indian Institute of Management – Ahmadabad (IIM-A).
Mr. Punit AroraSVP & Company Secretary
As Senior Vice-President & Company Secretary, Punit is responsible for the efficient administration, particularly with regard to ensuring compliance with corporate secretarial matters.
Punit has a post qualification work experience of around 15 years and total work experience of more than 16 years. Before joining Religare, he had worked with U.S. & Associates,Escorts Finance group, Liberty Shoes Ltd.; Mayur Batra & Co.
He is also the visiting faculty to the Institute of Company Secretaries of India (ICSI) and conducts lectures and training sessions for professionals on behalf of ICSI.
Punit holds a Bachelor degree of Commerce and a member of the Institute of Company Secretary of India (ICSI) since April 2005. He is also a Law graduate (LL.B.) from University of Delhi.