Management Team along with Board of Directors

Sanjay Miranka is the CFO and leads the resource raising, regulatory compliance & governance, investor interactions and corporate legal functions. He has more than two and a half decades of experience. Across a diverse set of industries like Financial Services, Edible Commodities and Telecom. He was in his last role associated with Aditya Birla Finance Ltd (ABFL) for close to 18 years in various capacities such as Head of Capital Market Lending Business and later as CFO. In his tenure as CFO, ABFL’s long term credit rating moved up from “AA+” to “AAA”, and he was instrumental in diversifying the funding sources and achieving one of the lowest costs of funds in the NBFC sector. For his outstanding contribution, he was conferred with “The Best CA CFO Award in Large Corporate BFSI Category” by the Institute of Chartered Accountants of India (ICAI) in 2020. Sanjay is a qualified Chartered Accountant and Company Secretary by qualification.

Manish is the Head of Retail Assets and leads the entire business/sales vertical along with Product, Marketing, Digital lending, Partnerships, Analytics, Operations and Customer Service. He is a Business Economics graduate from Delhi University and holds a Management degree with specialization in E-Commerce & Finance. He has over 21 years of experience managing varied secured and unsecured retail assets across the lending functions of Sales, Credit, Risk, Product, Digital, Strategy, Analytics, Partnerships, and operations & technology. His experience cuts across leading banks and NBFCs like ICICI Bank, Standard Chartered Bank, GE, Cholamandalam and Reliance. He has also been an entrepreneur as co-founder of CoinTribe, an online lending SME marketplace for 5 years. In his last role he was Chief Strategy Officer at Poonawalla Finance where he was handling multiple functions of digital lending business. He has expertise in setting and scaling up businesses, process optimisation and risk mitigation, building strong teams with excellent execution rigor, and leading technology initiatives across the functions.

Rajendra is the Chief Risk Officer and spearheads the risk function. He has a rich experience of more than two and a half decades in Credit Risk and Policy function. In his last role, he was “Head of Credit Underwriting” for all Secured and Unsecured Loan products with Fullerton India Credit Company Limited. Earlier he has also led policy function for unsecured loans, viz., personal loans, business loans and Digital Loans. He spent almost 15 years with Fullerton and prior to that was associated with HDFC Bank where he handled credit underwriting for various retail products like business loans, personal loans, car loans, two-wheeler loans, etc. He is qualified as MBA from Pune and PGDGM from Emeritus Institute-Singapore.

Agarwal is a qualified Chartered Accountant, Cost Accountant and MBA Finance with around 2 decades of experience across multiple industries, viz. Financial, Equipment, Construction, Education, Infrastructure, Textile, etc. He has spearheaded numerous domains like Credit/ Risk, Sales, Business Development, Loan Origination, Relation Management, Legal, IT, IT Applications, Digital Marketing, etc. He is known for his work with the State Bank of India, Kotak Mahindra Bank and Citibank across multiple divisions and geographies.

Specialized in designing and testing the risk efficacy of the portfolio (including formulating policies on Risk Management Framework and Loan Products), Mr- Agarwal was heading the Risk and Audit function at Poonawalla Finance. He has also played an instrumental role in automating multiple processes across a borrower’s digital loan journey to reduce manual intervention and errors. This step has helped in improving the overall efficiency of resources and TAT for decision.

With his expertise in multiple domains across various lending products, like Project Finance, Trade Finance, Working Capital, Retail and Commercial Lending, he provides continued education and advice to different business units and teams, including the board of directors, senior management, staff, and employees on compliance and risk assessment. His continuous engagement with multiple divisions across the organization has helped iron-out issues and challenges to ensure the smooth processing of tasks.

Gujaran is a qualified Company Secretary and comes with a long-standing experience of around 23 years in the areas of company law, NBFC compliance, listing regulations, contract management, litigations, FEMA & PMLA compliance, intellectual property rights and human resource across various industries relating to financial, media, multi-national chemical sectors, etc.

He has played a pivotal role in setting up the overall compliance and regulatory framework for NBFC business relating to loan products such as unsecured lending, lending against security, IPO funding and loan against property, during his earlier stints as the Chief Compliance Officer and Company Secretary at Poonawalla Finance Private Limited and as the Company Secretary and Compliance Officer at IIFL Wealth Finance Limited.

He has also spearheaded various key assignments pertaining to strategic and private equity investments, acquisitions, corporate restructuring, listing of equity shares, non-convertible debentures and commercial paper, borrowings from financial institutions, co-lending, co-branded credit card project, special loan scheme tie up with the Institute of Chartered Accountants and the Institute of Company Secretaries of India, liaison with domestic & overseas regulators, etc.

Kandarp Kant is a seasoned professional with 23 years of experience in the lending industry. He is a Computer Science graduate from University of Delhi with Post Graduation in Management from Birla Institute Of Management Technology. He has recently earned Certificate in Data Science and Machine Learning from Harvard University edX. Kandarp has played a multitude of roles in NBFC business and has rich experience in technology implementation with marquee companies like Sundaram Finance, Polaris Software Labs, Citi and Oracle. In his last role he was Chief Technology Officer of Poonawalla Finance. He loves coding, is an avid wild lifer and an accomplished guitarist.

Smita Mitra, Head – Human Resources, is a seasoned professional with over 18 years of rich experience across various domains. She is an alumnus of Institute of Management Technology, Ghaziabad with experience spanning across NBFC, Banking, Real Estate & Education industry. She has been instrumental in managing multiple gamut’s of HR roles encompassing Strategic HR, Front facing Business Partnering roles, COE & operational rigor resulting in best of people & culture practices. She is known for driving excellence, people connect and innovative thinking. In her last role she was leading HR function for Poonawalla Finance Pvt. Ltd. She is also a HOGAN certified coach. She was the proud winner of The Femina Women Super Achiever Award in Human Resources by the World HRD Congress in 2017. Smita has been adept at setting up effective and humane HR functions grounds-up and successfully delivering complex business restructuring projects.

Atul Garg holds the position of the Chief Information Officer (CIO) and plays an integral role in developing and leveraging Information Technology applications to augment the digital transformation goals of the organization. He is an engineering graduate and has completed his BE in Computer Science & Engineering from Government College, Kota.

With a successful career spanning more than two decades, Atul was instrumental in successfully setting up and scaling up system for consumer durables financing at HDFC Bank, designing and managing end-to-end projects, across banks and NBFCs. He has managed multiple IT activities like digital expansion, application development, IT support, regulatory compliance, amongst others in his previous roles. He is also actively involved in developing and implementing a seamless scalable expansion strategy by leveraging new-age technology tools. Atul has been previously associated with HDFC Bank, IDBI Bank, PNB, UCO Bank and Muthoot Microfinance.

Hiren is the Head-Strategy, BIU & IR. He leads Corporate & Business Strategy, Business Intelligence Unit, Investor interactions; Capital Markets, Fund raising and M&A. Hiren is management graduate with finance major from Jamnalal Bajaj Institute of Management Studies.

He Has over 23 years of experience in the field of Corporate Strategy, Strategic Finance & Investor Relations; Capital Markets & M&A. He has worked in various Leading Banks & NBFCs. Prior to joining Poonawalla Fincorp, he was Head Investor Relations of the Bandhan Bank and was the key member to spearhead the successful IPO of Bandhan Bank followed by the merger of Bandhan Bank with Gruh Finance. He was CFO & Head IR at Ujjivan Financial Services Ltd, spearheading its IPO as well followed by working on key strategic initiatives for the conversion to Small Finance Bank.

His expertise includes Corporate & Business Strategy, Business Intelligence & Industry/Economic Research, Strategic Planning, and execution of financial deals including Equity & Debt fund raising; IPOs, PE/Pvt. Placements, Mergers and Acquisitions, Rights Issue, FPO, NCDs, Term Loans, CPs and Investor Relations. He also carries expertise in the areas of various internal functions including Management- Finance, Marketing, corporate communications, Legal & Compliance etc.

Bagrodia is a fellow member of the Institute of Chartered Accountants of India (ICAI). Over the past 16 years in Magma, he has been instrumental in developing the Company’s operations across India. Currently, his role involves collections management.