Mr. Sunand Sahu has over 24 years of experience in the areas of Audit, Enterprise Risk Management & Compliance. He has exposure to various facets of lending business including Sales, Credit, Policy, Collection and Control functions. Mr. Sunand’s experience spans a variety of NBFC-MFI’s and NBFC’s including Vistaar Financial Services Ltd, RBL Finserv Ltd, Bharat Financial Inclusion Ltd, Fullerton India Credit Co Ltd and Reliance Telecommunications. He has handled large audit teams and was instrumental in end-to-end digitization of Audit Systems in his earlier assignments. He holds a post-graduation in MBA Finance from the Indian School of Business Management & Administration, Mumbai.

Mr. Ashish Damani has over 23 years of experience in the microfinance industry. Mr. Damani has worked in various capacities at Bharat Financial Inclusion Ltd with the last being CFO of the company. He was instrumental in navigating the company through multiple disruptions that have impacted the microfinance industry over the years. Prior to merger of Bharat Financial Inclusion Ltd into IndusInd Bank, Mr. Damani led the borrowing program of close to ?12,000 Crore. He holds AGMP from IIM Ahmedabad and PGDBA from Symbiosis Pune.

Mr. Shalabh Saxena has over 28 years of strong experience in Consumer Banking and Life Insurance industry. Throughout his career, he has run large profit centres and SBUs across various business lines in Life Insurance and Consumer Banking. Core competence and exposure revolves around distribution and handling sales in large business environments, Marketing, Strategy, Information Technology, Planning, Alliances and Acquisitions. An Economics Graduate with MBA in Marketing from B K School of Management, Ahmedabad, he has previously worked with Bharat Financial Inclusion Limited as MD & CEO, Chief Operating Officer of HSBC Life Insurance, and other roles in ING Life Insurance & Standard Chartered Bank.

Mr. Prashant has two decades of experience in Human Resources, Training & Development, Talent Management and Corporate Sustainability. He has been instrumental in driving organizational and cultural transformation across different organizations, leading people practices, handling M&A, implementing HR technologies and building leadership academy. Prior to Spandana, Mr. Prashant was associated with Videocon International Ltd., Wacker Chemie AG, SREI Infrastructure Finance Ltd, Tata Voltas Ltd. and Arohan Financial Services Ltd. He holds a PGDBM-HR from EMPI Business School and has an executive MBA from XLRI, Jamshedpur. He is also a Six Sigma Black Belt, holds Certification in Growth Leadership from Korn-Ferry International, PPA Assessor from Thomas International and International Position Evaluation Certification from Mercer.

Mr. Dharmvir has over 16 years’ experience in the Technology domain building fully digital customer journeys including automated underwriting, servicing, mobility experience, analytics & data platform, operational process automation (RPA) & digital marketing. He has a successful track record of providing vision, developing and implementing IT strategy, transforming complex business processes, executing large-scale value-driven IT initiatives and green-field platform implementations. He was associated with Home First Finance as CTO and various leadership roles in Hero Fincorp, Birlasoft, Tata Consultancy Services, IBM and Wipro Technologies. He holds an MBA from IIM-Kozhikode and B.Tech in Computer Science Engineering. He has also completed multiple IT platform certifications including TOGAF-Level-1&2.

Mr. Amit Anand comes with more than two decades of corporate experience ranging over diverse fields of Risk Management, Strategic Planning, Sovereign & Sub-Sovereign Risks, Economic & Financial Risks, Credit Rating & Business development. He has broad based expertise in establishing Risk and Control requirements & Governance structure; Development, review and implementation of Risk Management Frameworks. Mr. Amit is an MBA and holds a Bachelor Honours degree in Economics. Prior to Spandana, he was with Shinhan Bank as its Chief Risk Officer. He was also associated with Bank of Baroda, Bank of India and CRISIL in his previous assignments.

Mr. Ramesh has over 17 years of experience across sectors viz. Financial Services, REIT, IT/ITES, Manufacturing, Jewellery, Insurance Broking & Real Estate. He is a Graduate in Law from Bangalore University and qualified Company Secretary. Through his career, he has handled IPO’s, private & public debt, acquisition of one large commercial office park and few other M&A transactions of companies.. He has a successful track record across Legal, Compliance, Listing, Debt issuance, M&A, IPR, FEMA, Employment laws, Corporate Restructuring in India & Overseas. Prior to Spandana he was associated with Embassy Office Parks, Manappuram Finance Ltd, Kalyan Jewellers, NeST Technologies and has also practiced Law at Madras High Court.

With over 27 years of experience in Financial services and e-commerce industry, Mr. Vishal has been responsible for building, managing & leading business and operations teams. He has gained significant leadership and management experience in a mix of start-up, high-growth, turnaround, and steady state environments. His last assignment was as Chief Operating Officer at Bharat Financial Inclusion Ltd. In his earlier assignments he was associated with Makemytrip.com, Shopclues.com (founding team), IndiaMart.com, GE Consumer Finance, Standard Chartered Bank and SRF Finance ltd. He holds an MBA from Fore School of Management, Delhi.

As an established finance professional Shilpa has over 16 years of extensive and rich experience in Finance Operations, Compliance & Financial Reporting, Audit & Assurance, Financial Planning & Analysis, Business Finance Partnering, Budgeting & Forecasting, Finance Transformation, System Implementation merger and regulatory audits. She is a strategic planner and thinker with strong organizational skills. She has expertise in analysing financial systems, procedures and facilitating effective decision-making. Prior to joining Spandana, Ms. Shilpa was with Bharat Financial Inclusion Ltd and Shriram Finance. She is MBA, CS, and holds Bachelor degree in Commerce.

Mr. Deepak has an experience of over 24 years across Banking, NBFC’s and FMCG industries in Sales, Distribution, Marketing and Strategy. He has experience of launching business in multiple organisations in the financial service sector. His last assignment was as COO – West in Bharat Financial Inclusion Ltd. Prior to this, he worked in organisations like Yes Bank Ltd, RBL Bank Ltd, Fullerton India and PepsiCo holdings India Ltd. Mr. Deepak is an MBA from Strathclyde Business School, Glasgow and holds a bachelor’s degree in economics from Mahatma Gandhi University, Kottayam.

Mr. Ajay Ganotra is a seasoned professional with over 25 years of experience in the banking and financial services industry. His earlier stints have been at Standard Chartered Bank, ABN Amro Bank, Royal Bank of Scotland, RBL Bank, and Bharat Financial Inclusion Ltd. Mr. Ajay brings with him a deep understanding of the lending business in all its facets, including sales, credit, policy, collection, and control functions. Prior to joining Spandana, Mr Ajay was the Chief Operating Officer-Central in Bharat Financial Inclusion Ltd.

Mr. Shriraj has over 28 years of corporate experience with leadership positions in the Microfinance, Insurance and NBFC sectors. His earlier stint was as the Chief Operating Officer (East Zone 1) for Bharat Financial Inclusion Ltd heading the microfinance portfolio. Over the course of his career, he has held leadership positions in Bancassurance at Canara HSBC Life Insurance, ING Life Insurance,. Additionally, he has expertise in Commercial Vehicle and Construction Equipment Finance as well as in Credit Card and Telecom collections. He has handled large teams distributing financial products and services especially in rural and semi urban markets. He is a Science graduate and a MBA from Gujarat University.

Mr. Subhrangsu comes with more than two decade of corporate experience ranging over diverse fields of Finance and Accounts, Budget and Forecast, Taxation, Financial Strategy, Treasury functions and new deal evaluation. As a Finance Professional, he has worked with organizations like ASA International India Microfinance Limited as its CFO and in various leadership capacities with Capgemini, HCL Technologies and Reliance Entertainment. Mr. Subhrangsu is a Chartered Accountant from Institute of Chartered Accountants of India and a Cost Accountant from the Institute of Cost and Works Accountants of India.

Mr. Sushanta Tripathy has over 18 years of professional experience in the field of Financial Inclusion, micro/rural finance, MSME. He has worked across a variety of functions viz. Sales, Strategy and Business development, Product development, Business planning & analytics. He was leading MSME business in his last assignment at Bharat Financial Inclusion Ltd, prior to which he handled large sales & distribution network at BFIL disbursing micro-loans, mobilizing small savings & leveraging cross sell opportunities. Prior to Spandana, Mr. Sushanta was associated with organisations such as YES Bank Ltd, ACCION International, IFMR Trust. He is an MBA from Institute of Rural Management, Anand (IRMA).