Mr. Sanjay D PalveChief Executive Officer
Sanjay is our Chief Executive Officer, engaging with the leadership team in the journey to build an enabling eco-system to restore high growth and profitability in the NBFC business. Apart from leading RFL as its Chief Executive Officer, Sanjay also holds the position of Managing Director in its subsidiary company - Religare Housing Development Finance Corporation Limited. Here, he oversees and provides strategic direction to the Housing Finance Business in its journey to scale up and be recognized as one of the leading players in the segment.
Sanjay holds post qualification experience of 21 years in Financial Services business across the spectrum of Corporate Banking, Corporate Finance, Structured Finance, Financial Restructuring, Investment Banking, Retail Asset Lending and Loan Syndication, with an excellent track record in building and leading large financial businesses. He has worked with reputed organizations such as Yes Bank Ltd., ICICI Bank Ltd and L&T in the past.
He joined Yes Bank in 2004, when the bank just started commercial operations, and over his Tenure of 13+ years, he handled various businesses such as corporate finance, corporate banking, structured finance, and priority sector lending and loan syndication. He was part of the core team that steered bank’s growth over the years since its inception. In his last assignment with Yes Bank, he was the Global Business Head - corporate banking, Infrastructure Banking and MNC Banking (multinational clients). He was also nominated as the whole time Director on the board of the bank. At ICICI Bank, he worked in the area of project finance, mainly handling transportation sector.
Sanjay has been a member of various industry associations, including Infrastructure Sector and Energy Sector Committees of Bombay Chamber of Commerce & Industry (BCCI), Infrastructure Committee of Confederation of Indian Industry (CII) for Southern Chapter, Sub-committee of Indian Bank’s Association (IBA) on Infrastructure and CII National Committee on Bio & Wind Energy 2017-18. He holds an engineering degree from VJTI, University of Mumbai and a Masters in Management (Finance) degree from Jamnalal Bajaj Institute of Management, University of Mumbai. He firmly believes in the philosophy of working hard, teamwork and creating a work-life balance culture. He likes reading, adventure sports and travelling to remote places.
Mr. Chirag JainPresident & Chief Operating Officer
Chirag leads the team in a strategic role as President & Chief Operating Officer, fully responsible for managing the organisation’s Information Technology, 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. Rajesh Vinayak GanorkarDirector & Head - Collections
In his key leadership role as Director & Head Collections, Rajesh is responsible for leading the Collections team .He works closely with all senior business leaders across locations to drive this key function.
Rajesh brings with him 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, Indostar and the Motilal Oswal Group.
Rajesh is an MBA in Marketing from Amravati University & B.E. in Production from Amravati University.
Mr. Sameer NandaDirector & Regional Business Head
As part of the key Executive Management, Sameer leads the sales function for West & South, bringing in the revenue for the organization.
Sameer is a sales and marketing professional with 20 years of experience in the financial services sector across various verticals and regions in India - Auto Loans, Personal loans, Credit cards, Insurance, Business Loans and Loans against Property.
Sameer 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. His overall responsibility included driving top line sales of the product while maintaining healthy profitability and policy alignment to build quality asset book.
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. Pramesh KhannaHead – Human Resources
Pramesh spearheads the Human Resource Function for the company, covering all the aspects of Human Capital and works closely with the Board and the senior leadership. He is a Business & Transformation HR Leader with over 19 years of work experience in starting up and scaling high growth organizations like Yes Bank, Pfizer & IDBI Bank.
Pramesh has strong Leadership & business acumen spanning over all aspects of Human Resources Management which includes driving Organizational Vision, Mission and Culture, Building Winning Leadership Teams, Performance Management, People Productivity, Designing and Deploying Compensation & Benefits, Rewards & Recognition Strategies, Leadership Development & Succession Planning, Employer’s Branding and Regulatory Compliances.
He has completed his International Diploma in Competency Frameworks & Leadership Assessments in 2005 from UnivCanada Business School, M. Sc, Mycology & Plant Pathology in 1998 & Master of Labour Studies in 2000 from University of Mumbai.
Mr. Sanjay MandavkarDirector & Head - Treasury & Corporate Finance
In this vital role of Director & Head - Treasury & Corporate Finance, Sanjay will be responsible for liquidity management, investments and managing banking & financial institution relationships. He is also responsible for financial strategy to achieve financial goals and objectives of the company.
Sanjay has over 20 years of experience with reputed organizations such as YES Bank Ltd., ICICI Bank Ltd, Reliance Industries Ltd., CARE Ratings Ltd and Larsen & Toubro Ltd.
He has completed his MBA from Jamnalal Bajaj Institute of Management Studies in 1998 and BE in Mechanical Engineering from VJTI.
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.
Mr.Nishant SinghalDirector & Group Head - Legal
As a key member of the Executive Management team, Nishant leads the team in a strategic role in the legal management of the Company as Director & Group Head – Litigation. He is responsible for the efficient management of the legal department, provision of legal advisory services and ensuring effective management of legal and contractual risks.
Nishant has over 16 years of experience with reputed organizations such as ICICI Bank, Reliance Capital, Videocon Industries, Kotak Mahindra Bank, Indiabulls Commercial Credit & Magma Fincorp Ltd. As the Director & Group Head - Legal, Nishant will be responsible for managing legal matters and legal recoveries for the Religare Group.
Prior to joining Religare, in his previous assignments he has been managing end to end process of SARFAESI, Arbitrations, and Cheque bouncing etc. for the entire country, handling cases filed against the company.
He is a 2003 Law Graduate.
Mr. Pushpinder SinghEVP & Regional Business Head
Pushpinder brings total of over 21 years of experience in retail and SME finance with over 10 years as profit center head with reputed organizations like Capital First Ltd, Fullerton India, and CitiFinancial Consumer Finance among others.
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. Amit AgarwalEVP & Head - Stressed Assets Resolution
Amit is a key member of the team leading resolution of stressed assets which is a strategic role for the organization that adds to the bottom-line.
Amit has over 17 years of rich experience on Retail Assets as well as Corporate Banking side ranging from-Home Loan, Loan against Property, Auto Loans, Personal Loans, SME, Mid Corporate & Large Corporate.
He has had significant in-depth exposure to all facets of Retail and Corporate Banking on business development, credit & collection side. He prides himself in his ability to approach business development at both strategic as well and tactical level and balanced approach towards sales and credit in lending business.
Amit’s result focused professionalism and broad business acumen was honed through his past work experiences at Axis Bank Ltd, GE Money, HDFC Ltd & A.A.G. Associates. He is a professionally qualified Chartered Accountant, Intermediate Company Secretary and commerce graduate from Delhi University.
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.
Mr. Abedur Rahman KhanSVP - Audit & Process Control
As Senior Vice President - Audit & Process Control, Abedur is responsible for Internal Audit & ORM Function for the SME lending & Affordable Housing Finance division of the company.
Abedur has 22 years of managerial expertise with leading Banks & NBFCs in handling various facets of retail lending – Sales, Credit, Collections, Operations, Internal Audit & Operational Risk Management in Secured & Unsecured lending. Abedur started his career with Citi Financial, managing Retail Asset Operations, followed by TATA Finance, ICICI Bank, ABN Amro Bank and finally heading the Regional Credit at the Royal Bank of Scotland.
Abedur has been with Religare Finvest Ltd. since 2010, managing Concurrent Audit, Branch Audits, strengthening internal controls, identifying high, medium and low risk areas, recommending remediation, ensuring implementation of the Operational Risk Management (ORM) framework across the organization.
Abedur holds a Post Graduate Diploma in Business Management from Institute for Integrated Learning in Management, New Delhi.