Rishabh Goel is the Co-founder and Chief Executive Officer (CEO) of Credgenics, a leading technology solutions provider for debt collections to lending companies worldwide. Prior to Credgenics, Rishabh was with Deutsche Bank and Blackrock, where he recognized the prevailing archaic approaches to debt recoveries and lack of a robust digital framework in this crucial leg of the lending ecosystem. This motivated him to establish Credgenics, a unique data driven Software-as-a-Service (SaaS) based technology platform, which aims to address these issues and fundamentally transform the way debt collections are approached by lenders.
As the CEO, Rishabh drives the strategic business direction and growth agenda for Credgenics. He is an inspiring young leader with sharp business acumen, deep expertise in the banking domain, and a passion to innovate with smart use of technology. Rishabh interacts and works closely with the banking industry leaders worldwide to help them address their business challenges, serve their end customers better and realize business value from technology. Rishabh holds a Bachelor's degree in Technology from Indian Institute of Technology Delhi and has completed certifications in Financial Risk Management (FRM) and Chartered Financial Analysis (CFA).

Prasad Patil serves as the Chief Technology Officer & Chief - Business Operations at Mobicule Technologies Pvt. Ltd. With a strong background in technology leadership and business operations, Prasad has played a pivotal role in developing innovative fintech solutions and driving operational excellence. He is known for his expertise in digital transformation, product engineering, and delivering scalable technology platforms for the BFSI sector.

Kalpesh Dave is a seasoned professional with over 20 years of leadership experience in banking, wealth management, and investment advisory. Currently the Deputy Chief Executive Officer at Bajaj Capital Ltd, he leads investment operations, sales, and client services, delivering value-driven solutions to HNI, UHNI, family offices, and NRI clients.

Known for his results-oriented approach and deep market insights, Kalpesh has driven high-growth strategies and transformative initiatives across top institutions. He played a pivotal role at InCred Wealth as a founding team member, scaling the business to over $1.2 billion in assets. His past leadership roles include tenures at L&T Private Banking, Aditya Birla Wealth, Kotak Mahindra Bank, and ICICI Bank.

Starting in foreign remittances and trade finance, Kalpesh built a solid foundation in international finance before moving into retail banking at ICICI. He advanced through leadership roles at Kotak Mahindra Bank, including Circle Head, earning accolades such as Best Priority Area Manager.

His expansive wealth management expertise spans complex portfolios, international clientele, and startup scaling. At Bajaj Capital, he merges strategic foresight with operational excellence to drive sustained business performance and client success.

Ashok Kumar Ojha is a seasoned finance professional with over 24 years of experience in collections and sales. As the Chief Collections Officer at TVS Credit Services Limited, he brings deep industry insight and a proven track record of driving performance through strategic collections.

Ashok is known for his ability to develop and implement data-driven collection strategies, leveraging advanced analytics for customer segmentation and risk profiling. Under his leadership, the collections function at TVS Credit has adopted a multifaceted approach, blending technology, analytics, and customer-centric practices to improve recovery.

Before joining TVS Credit, Ashok held leadership roles at several leading financial institutions, including Tata Motors Finance Ltd., Citicorp Finance India Ltd., and SREI International Finance Ltd.

Ashok holds a Postgraduate Diploma in Management (PGDM) with a specialisation in Marketing and a Bachelor of Laws (LLB) degree from the University of Delhi.

Pankaj Gupta is the Managing Director and Chief Executive Officer of Godrej Finance Limited.

Prior to taking on this role, Pankaj served as the Chief Business Officer at Godrej Capital, where he led all business lines across both Godrej Housing Finance and Godrej Finance. With over 24 years of experience in the financial services sector, Pankaj brings deep expertise across a wide spectrum of financial products and institutions, spanning banks and NBFCs. His experience includes leadership across mortgage and unsecured lending, liability products, and strategic business development.

Before joining Godrej Capital, Pankaj spent more than a decade at Bajaj Finance Ltd., where he was part of the core team that built the business from the ground up. He played a pivotal role in launching several key business lines, including SME Loans, Home Loans, Loans Against Property, Personal Loans for salaried and self-employed professionals, Loans for Doctors, and Construction Finance. He began his tenure there as Regional Manager for Delhi and rose to become the SME Head – Secured Products at Bajaj Housing Finance Ltd.

Pankaj began his career in the FMCG industry with Asian Paints before transitioning to financial services with HDFC Bank, where he managed CASA acquisition and cross-sell initiatives, eventually moving into the personal loans business. He later led unsecured consumer assets at both HDFC and Kotak Mahindra Bank over a span of seven years.

He has completed the Advanced Management Program at Wharton and holds a Post Graduate Diploma in General Management from the Emeritus Institute of Management, Singapore, along with additional executive education, further strengthening his leadership acumen.

30 years of experience in the field of marketing & Sales and Risk management. Work experience - have worked in organization like TATA finance, ICICI Bank, HDFC Bank, IDFC first bank and currently in Bank of Baroda heading the Receivables risk management functions

Banking and financial services professional with over 31 years of experience. Experience spans across “Risk, Credit, Sales, and Product functions for secured (ABF & LAP) , unsecured (Business Loan & Professional Loans) and structured credit to Contractors, Mining, MSME, Micro Finance Institution (MFI), NBFC, Educational Institute (EDI) and Commercial Real Estate (CRE)” segments. I possess expertise for the development and implementation of application score card and digital ecosystem (Digital Support System) for retail secured and unsecured loan underwriting.

Dr.Puneet Kaur Kohli, an IT Leader brings on board her 30 years of global experience having extensive knowledge on developing and implementing strategic plans and end user services by addressing company needs and promotion of growth. Have lived and worked in different parts of the world with leading companies like viz. Motorola, Reliance, Duncans, Carrier Aircon, UK Land Investments, Bharti Airtel Limited, Soma Networks and Motoricity (AT&T) across the globe in countries namely, Dubai, US, UK, Canada & across APAC especially on projects, have travelled worldwide. A leading Security Evangelist with rich, versatile experience in Information Security, Data Privacy, Risk Management, is also a regular speaker & panelist in the professional public forums and different domains. Received the 'Jewels of Punjab' award from Dr. Manmohan Singh (Former prime minister) won the business transformation leaders award from tech circle for 2020 won the NBFC Tech 100 award for disruptive technologies in 2019 and 2020 awarded the achievements award at Malappuram Finance limited top 100 CISO Award 2011,2012, 2013 2014, 2015 infosec maestros award 2014 CIO of the Year 2014, 2015, 2016, 2017 hall of fame CIO Award for 2017 (for Bagging CIO100 for 4 years in a row) business world award for it acceleration for innovation in storage in 2014 CIO of the year 2006 in manufacturing segment pc quest storage for innovation in data storage in 2014

Please join us in welcoming a distinguished banking professional with over 20 years of experience and more than a decade dedicated to mastering the art and science of collections. Renowned across the BFSI and fintech landscape, he is a trailblazer in Digital Debt Collection, celebrated for his forward-thinking strategies and tech-enabled innovations. He has redefined how institutions approach collections—making them smarter, more efficient, and deeply aligned with customer experience and compliance. Today, we’re excited to hear his unique perspective as a Keynote Speaker on "Communication & Collection Management".

Experienced Credit and Risk Professional with a demonstrated history of working in the financial services industry. Skilled in Risk, Credit, Budgeting, Business Relationship Management, Banking, Credit Analysis, and Business Development. Strong finance professional with a MBA focused in Finance from University Business School, Panjab University.

Love building products from scratch. I am a Product and Technology enthusiast with a deep interest in the fintech ecosystem. Enjoy taking up complex challenging problems to find simple solutions, be it small fun puzzles or engineering challenges of the computing industry.

I come from a strong Computer Science background with a graduation degree focused in Computer Science and Technology from IIT Delhi. I have been part of the founding and growth journey of Credgenics (B2B-Fintech) and 1MG Technologies (B2C-Ecommerce).

With over two decades of experience, Nishant is responsible for adding competitive advantage to businesses with location intelligence & drive product roadmap at Dista. Nishant has worked with organizations such as TechMahindra, MindTree, Pitney Bowes, Cognizant, and MediaAgility.

A Banking professional with over 2 decades of rich domain experience in Risk Management, Change Management, Business Analytics and Intelligence, specialised in Contact Centre Management.

A goal-driven leader, with a strong personal accountability & ability to manage, motivate and empower diverse teams, in a dynamic climate.

I would like to work in a stochastic environment in building economies of scale, identify and reduce slack to business relevance.

25 years’ experience in Retail and Wholesale credit Risk Management, Enterprise Risk Management, implementation of risk framework, Operations Risk Management, Fraud Risk Management, Team Management in Retail Assets – Secured [Home Loan, LAP, Commercial Vehicle, MSME and Retail Assets Unsecured [Personal Loan, Education Loan] and wholesale lending [Construction Finance for Real estate Developers, Channel Financing & Inventory Funding for Automotive dealers]
Over these years, I had a good fortune to associate with top-notch brands viz. IDFC Bank, Reliance Capital, ING Vysya Bank Ltd., GE Money, ICICI Bank Ltd., HDFC Ltd., Sundaram BNP Paribas, India.

Monali Kolnurkar is a mortgage specialist with around 15 years of enriching experience in the mortgage industry. As Vice President - Legal at Kotak Mahindra Bank, she is a strong leader and a valuable member of the bank, contributing to policy and strategy decisions.

Monali is passionate about mentoring young professionals, encouraging them to think of themselves as lawyers first and employees second. She is always excited to introduce process improvements that reduce human effort, recognizing the importance of innovation for the future.

Arun Seethamraju is the Head of Products & Digital Solutions at the Reserve Bank Innovation Hub. He also leads the Products, Business, and Solutioning for the Unified Lending Interface (ULI) project.

With over 16 years of experience across digital financial services, AgriTech, FinTech, rural and microfinance, agri finance, payments, and MSMEs, Arun has made significant contributions to the sector. He has worked with NBFCs, NBFC-MFIs, startup payment firms, and fintech companies, with a special focus on unorganised/informal retail and MSME clients. His expertise spans the creation of financial and non-financial products, process digitisation, digital platform design and development, digital payment systems, and building channel partnerships, including BC/Co-Lending.

In his previous role, Arun was the Head of Innovations & Product Solutions at Samunnati Financial Intermediation & Services Private Limited. He has also worked with organisations such as Dvara KGFS, Varam Capital, Micro Pension Visa Financial Inclusion LAB (set up by Visa and Micro Pension Foundation), BASIX Sub-K Impact Solutions, and IFMR Rural Finance in various capacities.

Arun hails from Hyderabad and holds an MBA in International Management from Cardiff School of Management, Wales, UK, and an Engineering Degree in Electronics and Instrumentation from Anna University, Chennai.

With over 22 years of extensive experience in secured and unsecured lending, Pankaj Sharma is a seasoned financial expert and a strategic leader in the infrastructure finance sector. As the Chief Credit Officer at SREI Infrastructure Finance Limited, he plays a pivotal role in shaping the company’s credit strategy, risk assessment, and portfolio management. Previous he has worked for reputed brands like Cars24, SK Finance Ltd, Poonawala Fincorp, SMFG Credit, DCB, Bajaj Finance, HDFC Bank and Mahindra Finance.
Throughout his career, Pankaj has demonstrated exceptional proficiency in credit underwriting, risk mitigation, and financial structuring, driving sustainable growth and profitability. His deep understanding of credit markets, regulatory frameworks, and financial analytics has enabled him to navigate complex lending environments while ensuring robust risk management practices.
A visionary leader, Pankaj has been instrumental in developing credit policies that align with industry best practices, fostering innovation in lending solutions, and strengthening the financial resilience of businesses. His expertise spans across retail and corporate lending, project financing, and distressed asset management, making him a key driver of strategic decision-making.
With a reputation for excellence and a results-driven approach, Pankaj Sharma continues to lead with integrity, shaping the future of infrastructure financing in India.

Priyam has over 22 years of banking experience across banks like Kotak Mahindra Bank, Citibank NA, ING, AU Small Finance Bank, and Saraswat Bank. He has experience in both retail and commercial assets across various segments such as auto loans, personal loans, business banking, and mortgages. He currently heads retail and commercial assets at Saraswat Bank, overseeing all functions including sales, credit, and collections.

Having worked across geographies, Priyam has a deep understanding of both rural and urban banking.

Passionate and collaborative leader with 17+ years in Retail Banking, SME Lending, Rural Finance, Retail Collections & Stressed Asset Portfolio Strategy / Analytics.

Credentials include MBA in Finance from Jindal Global Business School, Executive Program in Business Analytics from IIM Vishakhapatnam, PG Diploma in Banking from NIIT IFBI, along with certificates in Corporate Strategy, Digital Transformation, ESG Investing, Data and Risk Analytics.

At YES BANK, my role as Vice President & Unit Manager in Collections & Stressed Asset Strategy / Analytics has honed my expertise in enhancing portfolio quality and crafting data-driven collection strategies. My proficiency in analytics is demonstrated through actionable insights that positively influence the bottom line and my adeptness in managing collection budgets. The collaborative efforts lead to effective portfolio management and the successful field implementation of innovative strategies. Previously, at Vector Finance Ltd and L&T Finance Ltd, I developed robust collection frameworks and supervised a dedicated collections team. At ICICI Bank, HDFC Bank and Bandhan Bank, led strategy for acquiring Rural, Retail, and SME clients, and oversaw lending and collections. These experiences have cemented my ability to navigate regulatory frameworks, negotiate settlements, and partner with agencies for optimized performance. With a focus on early intervention and sustainable recovery, my strategic input ensures improved productivity, minimized credit cost and healthy return on assets. Worked across states like - Kerala, Maharashtra, Madhya Pradesh, Chhattisgarh, Odisha, West Bengal, Assam, and Tripura. Each assignment enriched my knowledge through diverse people, culture, and work ethics. Recognized with numerous accolades, including Star Award, Wall of Fame, MD Club, and League of Excellence besides other.

Performance oriented professional with 21 years of proven track record in Collections and Legal recovery through inspiring leadership and execution excellence. Retail Portfolio Management: Deft experience in Early, Mid, Deep and Write-off Buckets for Secured, Unsecured, Agriculture, Commercial vehicle, Construction Equipment & Mortgage Loans. Delinquency / Debt Management: Designing and implementing collection strategy, techniques, procedures for end-to-end collections buckets. Impact analysis on delinquency based on high frequency lead and lag indicators. Design, Develop & Implementation of various Policy & Processes framework for smooth functioning of daily collection operations. Legal Tools: Understanding of various legal tools and tactical implementation as an enabler for portfolio management. Networking: Coordinating with law enforcement, statutory bodies & auditors both internal and external for compliance and controls. Call Centre & Field force / Profit Centre Operations: Managing network of Agencies & large In-house Team of call center & field Force. Removal of bottlenecks through handholding, coaching & training, one-on-one methods for team support and supervision. Devising To-Do list, Daily/Weekly Assignment methodology and monitoring the outcome in controlled environment. Enabling the performance of team members for ensuring individual & group achievements. Budgeting & Planning: Planning & budgeting based on collection models along with profitability measures. Deployment of Technology and processes for enhancing productivity and Cost optimization. Business Re-engineering: Understanding & Implementation of newer technologies in collection function. Process & Performance re-designing & improvement through analytics & qualitative interventions. Notable Accomplishments: Developed & Implemented - Risk based collection Model. Design, Develop & Implemented Agri-collection Model. Business Re-engineering of end-to-end collection and legal Process. Blueprinting and implementation of Digital Collection process. Exposure in portfolio Selloffs & Buyouts.

20+ years of demonstrated history of working in the financial services industry. Skilled in Balanced Scorecard, Basel, IFRS9, CCAR, Predictive Modeling, ECL, and Financial Risk. Strong professional with a MS in Quantitative Economics from Indian Statistical Institute.

Sonali Jindal is the Co-founder of Rezolv and previously the Co-founder & COO of Kissht, one of India’s leading digital lending platforms. With deep expertise in financial services, operations, and analytics, she brings a unique blend of strategic vision and execution excellence. At Rezolv, she is focused on transforming debt collections through AI-driven automation and intelligent workflows. At Kissht, she scaled the business to over $1.5 billion in annual disbursements and led capital raising across equity and debt.

Abhishek is a first-generation entrepreneur focused on financial technology, leveraging AI. He has previously founded 2 start-ups and exited. His prior experience includes being a Consultant and the Boston Consulting Group, where he was involved in advising large Indian private banks. He has also previously worked in an asset reconstruction company and a special situations fund.
As the founder of Resollect, Abhishek is at the forefront of transforming collections and recovery in the BFSI sector through next-gen technology and data-driven solutions. Under his leadership, Resollect is redefining how financial institutions enhance recoveries while maintaining customer-centric approaches.

Experienced Credit and Risk head with a demonstrated history of working in the financial services industry. Skilled in Portfolio Management, Credit Risk and Risk Management,

Abhinav Bansal is the Managing Director and Senior Partner at BCG, where he leads Risk and Compliance for the Asia Pacific region. He brings deep expertise in risk management, compliance, and financial services strategy.

Prior to joining BCG, Abhinav worked as an equity exotic derivative trader at Lehman Brothers and Goldman Sachs, gaining hands-on experience in global markets and complex financial products.

Abhinav holds an MBA from IIM Bangalore and a B.Tech from IIT Delhi.

Ashish Runwal is a dynamic and result-oriented leader with over 20 years of extensive experience in the BFSI sector. As the CEO of Ruloans Financial Services Pvt Ltd, he brings a proven track record in multichannel distribution, marketing, and organizational growth across both startup and mature business environments.

He is recognized for his strategic vision, P&L management expertise, and the ability to identify new markets and drive successful product launches. Ashish is a solution-driven professional who combines energy with articulate communication and leadership capabilities, empowering high-performing teams and fostering business excellence.

His core strengths include business transformation, marketing strategy, team building, and launching scalable solutions that contribute to long-term success. With a passion for innovation and execution, Ashish continues to influence the financial services landscape through vision, integrity, and impact-driven leadership.

As a former co-founder and Chief Product Officer, I've cultivated a mastery in product innovation and presales strategies, which now inform my approach to customer success. My commitment is to drive sustainable growth for our clients, ensuring that we consistently exceed expectations through meticulous planning and execution. The core of my professional ethos is fostering enduring partnerships grounded in trust and mutual success.

At SMFG India Credit, Prateek leads overall business strategy and reviews, new business strategy and incubation, organic and inorganic growth initiatives, and strategic projects and synergies initiatives.

His notable accomplishments include leading the company’s long-term strategy blueprint, business plan and incubation of multiple new businesses, industry evaluation and business plan for new products, and multiple new business partnerships.

Prior to SMFG India Credit, Prateek worked at Aditya Birla Finance as Head Strategy & Business Development, Abbott India as Commercial Excellence Director, and at BCG India as a Principal.

Prateek has an MBA from IIM Bangalore, and a Bachelors in Electrical Engineering from IIT Kanpur.

Karan Mehta is a second-time fintech founder and a systems thinker, currently building Rezolv, an AI-powered debt collections SaaS platform. Prior to Rezolv, Karan served as Founder & CTO at Kissht, where he built the entire lending tech stack in-house, scaling real-time infrastructure and leading a 350-member team across engineering, data, and product functions. His work powered mission-critical lending operations for some of India’s top-tier banks and financial institutions. At Rezolv, Karan is focused on designing modular, scalable, and intelligent systems that transform how lenders manage and resolve debt—bringing speed, transparency, and automation to collections infrastructure across emerging markets.

Experienced professional with 20+ years of experience working in financial services industry. Experience spreads over Collections & Recoveries across entire Retail Segment and Corporate Loans, Investigations, Fraud Detection & Prevention, Fraud Risk Management - Governance and Proactive Review & Transaction Monitoring.

Ms. Sukhvinder Kaur is currently the Chief General Manager – Retail Loans Business Unit of State Bank of India (SBI), handling an AUM of ₹6.78 trillion.

• Positioning SBI as a leader in Retail Loans through bold and innovative actions.
• Planning and identifying opportunities for growth of the Retail Loans Business.
• Designing, developing, and managing new products and services for Retail Loans.
• Facilitating upgradation of skills in credit appraisal, supervision, follow-up of advances, and NPA management.
• Monitoring competition, market trends, and upgrading strategy/initiatives.

With 33 years of banking experience, Ms. Kaur has held various positions across operations, credit, and marketing, gaining expertise in all areas. She has had two foreign assignments at SBI Frankfurt and SBI California, served as Regional Manager for Mandi Region (Himachal), headed the Network in Maharashtra, and led the Wealth & Premier Banking Business Unit of SBI.

Dr. Rohitt Salwan is a highly accomplished senior legal professional with over 22 years of experience providing strategic legal advisory services to leading organizations across diverse industries. Currently serving as the Head of Legal & Fraud Prevention Unit (FPU) at Bajaj Allianz Life Insurance Ltd in Pune, Rohitt has built an impressive career marked by numerous accolades and recognition.

His expertise spans contracts and commercial transactions, litigation management, regulatory compliance, and risk advisory. As the Head of FPU, he develops and implements strategies to analyse, detect, prevent, and investigate insurance fraud.

Rohitt holds an Honorary Doctorate of Law, LLM degree, a Certificate in Forensic Science, and a Certificate in Contract Law from Harvard University. He has been recognized as "General Counsel of the Year" and included in the "Top 50 Legal Leaders" list, reflecting his exceptional legal expertise and strategic thinking.

He is known for his skills in contract management, litigation strategy, regulatory compliance, and risk mitigation, and is a trusted advisor to senior management. Rohitt is also recognized as an effective communicator, proactive planner, and strong decision-maker with exceptional problem-solving and analytical skills.

Gaurav Khatri is the Vice President of Collection Projects & Strategy at SMFG India Credit Co. Ltd., where he plays a pivotal role in leading strategic initiatives and transformation projects across the collections domain. With years of experience in credit risk and operations, Gaurav has established himself as a key leader in shaping data-driven, technology-enabled collection strategies in the Indian financial services sector.

He is known for driving operational efficiencies, building scalable frameworks, and leading high-impact projects that align with regulatory standards and organizational goals. Gaurav's professional journey reflects a strong blend of analytical expertise and pragmatic leadership.

He actively collaborates with cross-functional teams to deliver performance-driven results and is passionate about transforming traditional collection approaches through digital innovation and process automation.

Mr. Anil Jain brings nearly two decades of rich and diverse experience in the mortgage industry, with deep expertise in both Prime Lending and Affordable Housing segments. He holds a bachelor’s degree in commerce from Delhi University and is a qualified Chartered Accountant from the Institute of Chartered Accountants of India.

Throughout his career, Mr. Jain has demonstrated exceptional proficiency across the housing finance value chain, including credit underwriting, risk management, loan life cycle management, and collateral management. His strategic insights and operational acumen have consistently driven innovation, efficiency, and growth in his areas of responsibility.

Mr. Jain is working with Aadhar Housing Finance Limited (AHFL) as Chief Credit & Operations Officer and oversees both credit and operations functions at a strategic level.

Prior to joining AHFL, Mr. Jain held key positions at leading financial institutions such as ICICI Bank (Housing Finance), Deutsche Postbank Home Finance Limited, IndiaHomes.com, and Muthoot Homefin India Limited. His extensive industry experience and leadership capabilities continue to be instrumental in shaping our credit and operational frameworks.

Sumit Gawshinde is a versatile business professional with 23+ years of experience across the entire product lifecycle of retail assets, including home loans, rural housing, LAP, unsecured, and student loans. His strengths lie in risk and recovery management, fraud detection, litigation, auctions, and customer relationship management.

He brings deep knowledge in collections, securitization, SARFAESI and NI Act compliance, along with a strong track record in team leadership, HNI client handling, and strategic business growth. Sumit has consistently driven high-performance teams to meet aggressive goals while building scalable systems and processes for profitability.

He is widely recognized for his interpersonal skills, negotiation expertise, and ability to deliver impactful results through customer-centric operations and continuous innovation in the banking and finance sector.

At Credility, my strategic leadership and expertise in sales maximization have been pivotal in shaping innovative lending tech solutions. Spearheading business strategy, I've leveraged financial regulations knowledge and problem-solving acumen to expand market reach and solidify client relationships.

My role entails meticulous coordination with the finance team and a hands-on approach to negotiating and sealing deals, always aiming for a win-win outcome. Motivated by the mission to streamline NBFC operations, I foster strategic partnerships that empower our team to drive revenue growth and deliver exceptional value to our clients.

Jhanjee Nitesh Kumar is a quality-driven professional with over 13 years of experience in collections, legal recovery, customer service, and team management within the banking and finance sector. He currently serves as the Head of Collections at IIFL Finance, where he has consistently delivered record-breaking performance.

With a strategic mindset and a passion for planning and execution, Nitesh believes that collections go beyond routine follow-ups—they require deep thinking, structured strategy, and leadership. He is recognized for his ability to motivate teams, foster accountability, and drive operational excellence.

His expertise includes fraud management, legal recovery processes, team leadership, vendor management, compliance, and customer relations. He is well-versed in laws like Section 138 of the NI Act, arbitration, and consumer laws, making him a valuable asset in the recovery and legal compliance landscape.

A yoga enthusiast, Nitesh maintains a calm and cheerful demeanor, contributing to a positive and focused work environment. His holistic approach to leadership and commitment to daily planning make him a standout figure in the financial services industry.

An award winning Best Performer started as a Core Marketing Professional, Licensing Specialist and then a strategic Business Manager and currently working as Director for Strategic Alliance and Solution Sales with approx. 10+ years of experience in a leading ICT System Integrator & Distribution Multinational Company, world’s largest Software OEM and the world’s fastest growing Microsoft LSP. Experienced to setup new Business Strategy and execute successfully by building the right plan and hiring right teams to execute same. Lives the core values of humbleness, being passionate and being customer focused.

• Strategic Business Initiative planning based on Vision
• Aspirational Growth Catalyst
• Market Analysis and Research
• Drawing Business Plan
• Excellent GTM building skills
• Software Licensing and SAM consultant
• Team Leading/building qualities
• High commitment level
• Leading by Example to be an Individual Contributor to my team
• Agility to take up new challenges and roles
• Learning new technology and drive business problem resolutions
• Establish Executive level Connect with customer efficiently
• Building new business line from scratch
• Strategic Alliance and Channel Management

Sanjay Vaishy is a dynamic and result-driven collections leader, currently serving as the National Recovery Head at SRG Housing Finance Ltd. With a proven track record in driving strategic direction and leading high-performance recovery teams, he brings deep expertise in revenue recovery, compliance, and customer retention.

He has led continuous improvement initiatives in collections policies and procedures, enhancing operational efficiency and ensuring adherence to regulatory standards. Sanjay is known for his analytical mindset, exceptional negotiation abilities, and problem-solving skills that consistently deliver measurable business outcomes.

With a passion for developing effective collection strategies, Sanjay combines leadership, communication, and hands-on execution to drive recovery performance and sustainable growth in the financial services space.

Sushant Kumar is a seasoned professional in the banking and finance sector, currently serving as the Head of Collections and Resolutions at ICICI Home Finance Company Limited. With a wealth of experience in collections strategy and resolution management, he plays a pivotal role in ensuring operational efficiency and portfolio health for one of India’s leading housing finance companies.

Known for his strategic acumen and hands-on leadership style, Sushant has successfully led teams across geographies, driving performance through innovative collection methodologies and robust resolution frameworks. His expertise lies in optimizing recovery processes while balancing customer relationships and regulatory compliance.

With a sharp focus on results and a reputation for resilience and adaptability, Sushant continues to contribute to the strengthening of ICICI HFC’s asset quality and overall financial performance.

I have over 12 years of experience in financial services, specializing in operations and collection analytics. As one of the founding members of Kissht, I’ve been part of its journey for nearly nine years, helping shape its growth and strategy.Currently, I lead Corporate Strategy and Collection Analytics, where I focus on developing and executing key initiatives to drive business expansion. My expertise lies in optimizing collection processes, leveraging data-driven insights, and steering the organization toward sustainable growth.

Steering DBS Bank India's portfolio, my expertise in sales and team management has been pivotal in driving customer acquisition and sustaining healthy balances. Our team's collaborative spirit and my strategic vision have led to surpassing sales targets and establishing a culture of innovation.

My tenure as Head Portfolio has been distinguished by forging a synergistic work environment that emphasizes customer delight and team empowerment. By fostering a culture that prizes integrity and collective success, we have executed business strategies that resonate with both our clientele and corporate ethos.

Over 20 years of experience driving growth and profitability for financial institutions, with a strong foundation in rural and agri lending. Expertise spans product development, credit risk management, and digital transformation. Presently overseeing Credit underwriting for Retail Loans, including equipment financing, Kisan Credit Card, and unsecured lending through Business Correspondence and Fintech partnerships. At DCB Bank, played a pivotal role in establishing rural footprints and setting up the Retail Agri loan portfolio. At ICICI Bank, coordinated the launch of new retail products across geographies. Interested in mobile-based digital engagement strategies and Account Aggregator frameworks to deliver personalized financial wellness solutions.

I am Sooraj Mohan M, a dynamic and results-driven professional with over 21 years of extensive experience in Banking Operations and Collections Strategy. My career has been dedicated to architecting scalable, data-driven recovery frameworks that not only reduce non-performing assets (NPAs) but also enhance organizational resilience. I thrive in visionary roles where operational mastery meets innovation, driving sustainable growth and regulatory excellence across multi-geography portfolios.

Throughout my career, I have successfully managed high-value portfolios exceeding ₹3100 Crores in assets under management, leading large teams of over 1000 employees and 350 agencies. I am recognized for my strategic thinking and ability to design recovery models tailored to high-risk segments, resulting in significant NPA reductions and optimized costs through strategic resource allocation. My commitment to operational excellence and customer satisfaction has been the cornerstone of my professional journey.

• Reduced NPAs by ₹160 Crores in two years at Muthoot Capital Services Ltd., significantly improving financial stability.
• Achieved a reduction of NPA by ₹100 Crores in just 8 months at TATA Motors Finance Ltd.
• Secured 100% collection and recovery targets at Magma Fincorp Ltd. by implementing new initiatives and training a high-performing team.

Vijaya Kumar is a seasoned banking professional with over two decades of experience in credit, collections, restructuring, debt sale, and corporate stressed assets resolution. He began his career with American Express, followed by Standard Chartered Bank, and has been with Centrum/Unity for over five years.

Vijaya has been instrumental in establishing the collections and recovery ecosystem at Centrum/Unity. In his current role as Senior Vice President & Head of the Stressed Assets Unit, he manages stressed assets across Corporate, SME, and Supply Chain businesses. He is recognized as an impact player at the bank, consistently delivering stellar performances year after year.

Experienced Legal Professional with a demonstrated history of working in the financial services industry. Skilled in debt management, Dispute Resolution, Handling complex litigations, Documentation, Corporate Legal..

Gaurav Pruthi: A Visionary Leader in Financial Collections and Legal Strategy

Gaurav Pruthi is a distinguished financial strategist and collections expert, currently serving as the *Executive Vice President in the capacity of Chief Collection Officer at Bajaj Housing Finance Limited. With a wealth of experience spanning collections, sales, and legal oversight, he has played a pivotal role in streamlining financial recovery processes, optimizing risk management, and enhancing operational efficiency within the housing finance sector.

A seasoned leader, Gaurav has held significant roles at Bajaj Finance, Indiabulls, HDFC Bank and other financial institutions, shaping innovative strategies in credit risk and debt recovery. His expertise extends beyond collections, contributing to *legal frameworks and compliance within the organization.

Academically, he is an accomplished professional, holding an Executive MBA from IIM Lucknow and an MBA in Marketing and Finance from IILM Delhi. This strong educational foundation, coupled with 20+ years of hands-on industry experience, enables him to drive robust financial solutions while maintaining legal integrity and customer-centric approaches.

A respected name in the finance industry, Gaurav Pruthi’s leadership continues to elevate Bajaj Housing Finance’s standards in collections, legal strategies, and risk mitigation, reinforcing the company’s commitment to financial excellence.

Deepak Sabharwal is the Managing Partner of DSA Legal, with over 36 years of rich experience in the legal field. Under his leadership, DSA Legal has established 5 offices in Delhi and one each in Mumbai, Kolkata, Hyderabad, Chennai, and Bangalore, with a pan-India presence through a network of 1750 associates across nearly 650 districts. The firm also provides legal services internationally in Singapore, UAE, London, and KSA.

DSA Legal specializes in civil and corporate laws, including recoveries through Arbitration, IBC, Sec 138 NI Act & Sec 25 of PSA, labour & employment laws, banking & finance, litigation, M&A, corporate services, IPR, real estate, funds, compliance & due diligence, infrastructure, cross-border ventures, IT & telecom, consumer, capital market transactions, and drafting and conveyance.

The firm represents clients from diverse sectors such as financial & fintech services, power, telecom, insurance, aviation, hospitality, real estate, consumer durables, steel, automobile, engineering, entertainment, education, IT, media, transport, oil exploration, BPO, pharma, infrastructure, and agriculture.

Deepak is a Director on the Board of Singer India Ltd. since 2004, a member of the Consumer Committee on the Board of Bharti AXA General Insurance and Bharti AXA Life Insurance, and a lifetime Trustee of The Little Theatre Group. He has actively promoted trade relations between countries and has held leadership roles in various Indo-foreign friendship associations.

He has received the ‘Global Citizen Award’ by Unity International Foundation and has been recognized as one of the “Most Trusted Corporate Lawyers in India” with endorsements from the Ministry of Commerce & Industry and the Ministry of Law & Justice of India. DSA Legal has been awarded “Corporate Recovery Firm of the Year”, “Law Firm of the Year – Due Diligence”, “Insolvency Law Firm of the Year”, and “Lawyer of the Year – Arbitration”.

24 years experience in banking. Ranging from Working Capital Funding, Project Funding, Forex Credit, MSME Credit and MSME Business, Monitoring and Process Changes

Housing/Mortgage Industry Professional with over 35 years of experience in the mortgage and financial sector.

• Held leadership positions as Chairman & CEO at several national level Regulatory/Financial Institutions: NHB, IMGC, CERSAI, PFRDA.
• Extensive experience in balance-sheet and P&L management.
• Conceptualized and executed groundbreaking initiatives in low-income and informal sector housing.
• Institution-building, formulating schemes and programs for financing, and developing market infrastructure for affordable housing.
• Designed regulations and financing schemes for sound growth of the mortgage industry.
• Implemented innovative social housing programs and facilitated collaboration among stakeholders including policymakers, regulators, banks, mortgage institutions, builders, and industry associations.
• Advocated for reforms in the mortgage industry and promoted collaboration with international institutions such as USAID, World Bank/IFC, ADB, KfW, DFID, CIDA, JICA, and others.
• Designed, negotiated, and executed various multilateral and bilateral borrowing programs.
• Led institutions with passion, creating value for the sector through innovative products and programs.
• Invited speaker at national and international events, including IUHF Conferences, World Bank/IFC Events, Wharton Business School, Euro Money/IFR Asia, and more.
• Key founding role in setting up the Asia Pacific Union for Housing Finance (APUHF), serving as its Chairman for two terms.
• Led the initiative in setting up India's first Mortgage Guaranty Company and served as its first Chairman.
• Worked with industry partners to structure and introduce the MBS product in India and explored mechanisms to introduce Covered Bonds in the country.

Vishal has been with Altruist Technologies since 2018 and has managed all the different domains and has personal connections with all the clientele.

Prior to joining Altruist, Vishal worked with major brands like American Express, Bharti Airtel, Pidilite, & Reliance. He has 23 years’ experience handling large operations spanning customer services, operations management, project management, and service delivery.

Vishal’s specialization is managing operations for banking and NBFC business lines. He is Six Sigma certified and believes in a deep dive approach.

Lalit Khosa is the Vice President – Financial Services at LeadSquared, bringing over 25 years of experience in SaaS, CRM, and digital transformation across the BFSI sector. He’s known for driving strategic growth, leading high-impact projects, and advising CxOs on tech-enabled business outcomes.

I specialize in arbitration, corporate/commercial litigation and white collar crime related litigation. I have handled large and complex commercial disputes in courts, tribunals, quasi judicial authorities and through alternative dispute resolution mechanism such as arbitration and mediation. I have also worked on general corporate and competition law related matters.

Shashwat is the Co-founder and Chief Business Officer of Provakil, a legal operations management platform for global companies. Shashwat is a graduate of the prestigious Indian Institute of Technology (IIT) Kharagpur. Prior to founding Provakil, Shashwat has worked with HSBC Bank and OYO.

I am a corporate lawyer with over 19 years of experience in managing all legal and compliance matters in banks and NBFCs and housing finance companies. I specialise in property law, mortgage and SARFARSI law. I have worked as National legal head in reputed housing finance companies.

16 years of experience in Handling Litigation and Debt Management with BFSI's. Rich experience of drafting legal documents, petitions, replies, evidences, legal opinions, case studies, vendor agreements, contracts, leases and licenses, vendor management, appearance before various courts, tribunals, judicial and quassi judicial and administrative authorities

K Swaminathan is a veteran banker with over 30 years of experience, currently serving as Head of Strategy and Planning at ESAF Small Finance Bank in Thrissur, Kerala. Having witnessed and embraced the technology wave in banking, he has successfully navigated the evolution from early core banking systems to modern omni-channel digital banking.

Swaminathan is a strong advocate for technology as an enabler, empowering not only banks but also partners and customers to access services 24x7 through their preferred channels. His expertise lies in building such customer-centric digital channels and driving innovation in retail banking.

His career spans diverse roles across a co-operative bank (12 years), a new generation private sector bank (10 years), an old generation private sector bank (5 years), and the last 7 years at ESAF Small Finance Bank. This diversity has equipped him with deep skills in digital banking and the ability to innovate for different client segments.

Prior to ESAF, he was DGM in the Personal Banking Group at Karur Vysya Bank. Swaminathan’s journey reflects a passion for leveraging technology to improve banking business and customer experience.

Mr. Sashwat Brahma is the Chief Risk Officer at Vastu Housing Finance, where he leads the company’s risk management strategy and frameworks. With extensive experience in credit risk, operational risk, and enterprise risk management, he has played a pivotal role in strengthening Vastu’s risk culture and ensuring robust portfolio quality.

Prior to joining Vastu Housing Finance, Mr. Brahma held senior risk management roles at leading financial institutions, where he was responsible for designing and implementing risk policies, credit assessment models, and regulatory compliance programs. His expertise spans across retail lending, affordable housing finance, and digital risk management solutions.

Mr. Brahma is recognized for his analytical acumen, hands-on leadership, and ability to drive risk-aware business growth. He is passionate about leveraging technology and data analytics to enhance risk controls and support sustainable expansion in the housing finance sector.

Manish Pandey is a high-impact professional with 20+ years of experience in the Home Loan and Mortgage Loans domain. His expertise extends to various lending products such as Business Loans, Personal Loans, Loan Against Shares & Securities, Gold Loans, and Car Loans. With a strong foundation in Sales, Credit Underwriting, Operations, and Collections, Manish has successfully driven business growth and achieved significant milestones throughout his career. He possesses a deep understanding of customer needs and market dynamics, enabling him to effectively develop and implement innovative lending solutions.

Previous positions:

SSM Senior Supervisory Manager, NBFCs ( 126 in number)

Member of Faculty in RBI Training Establishment for the Regulation and Supervision areas, Basel Framework, Monetary Policy ( Conventional & Unconventional), Banking & Finance - 3 years experience

Expertise in on-sight and off-sight inspections of commercial banks; framing various rules/regulations though circulars; and supervising the implementation of banking rules/regulations. Expertise in Regulation and SupervisionSupervision- 9 years of experience

Expertise in supervision of regulated entities in Capital Market by working in SEBI for two and half years - 2.5 years of experience

Sasidhar Vavilala is the Executive Vice President of Analytics at Suryoday Small Finance Bank Ltd. With extensive experience in analytics, risk management, and digital transformation, he has played a key role in driving data-driven decision-making and innovation in the banking sector.

He is recognized for building high-performing analytics teams and implementing advanced analytics solutions to optimize business outcomes. Sasidhar’s expertise spans credit risk, portfolio management, and customer analytics across leading financial institutions.

Rupesh Pandey is the Head of Retail Collections - Unsecured & Cards at Yes Bank. He is known for his growth-oriented mindset and expertise in assets recovery, capacity planning, credit, customer service, and team leadership. With a strong background in finance and strategic management, Rupesh has contributed to optimizing collections, building high-performing teams, and driving operational excellence in the banking sector.

His specialties include database administration, MIS, legal and inventory management, scheduling, and supervisory skills. Rupesh is recognized for his focus, leadership, and ability to deliver results in challenging environments.

Vijay Vasudevan is a seasoned leader with over 25 years of experience in banking, financial services, and digital transformation. He is a Certified CIO Professional and a well-regarded author and speaker in the BFSI sector.

He specializes in strategic business transformation, IT modernization, and operational excellence, having led major digital initiatives across top Indian banks and NBFCs. His contributions span business-technology alignment, process optimization, customer experience enhancement, and risk strategy development.

Vijay has spearheaded the implementation of core banking systems, CRM solutions, and loan origination platforms. He is known for optimizing collections and credit management strategies while ensuring regulatory compliance and maximizing recoveries.

His book, The IT Paradox: Mastering Change in Banking’s Digital Journey, offers actionable insights into navigating the evolving landscape of digital finance. Passionate about mentoring and innovation, Vijay continues to inspire and transform BFSI operations through his leadership and vision.

Dynamic and results-driven Finance Director with over six years of comprehensive experience in finance, operations, strategy, and leadership. Proven track record in driving company growth from seed funding to Series A+ rounds, raising over £38m in funding, and securing significant grants. Adept at financial systems implementation, international expansion, and team leadership. Passionate about leveraging financial expertise and strategic acumen to support business objectives and enhance operational efficiency.

• Fundraising & Investor Relations
• Financial Planning & Analysis (FP&A)
• Financial Modelling & Budget Control
• Strategic Decision Making
• Team Leadership & Development
• International Expansion & Compliance
• ERP & Financial Systems Implementation
• Advanced Corporate Finance
• Tax Management & Investigations
• Client Relationship Management

Rahul Pandey is the Chief Information Officer at INDIAN CLEARING CORPORATION LIMITED. He is responsible for driving technology strategy, digital transformation, and IT governance for the organization. Rahul brings extensive experience in information technology, operations, and risk management within the financial services sector. He is known for leading large-scale IT initiatives, ensuring regulatory compliance, and fostering innovation to support business growth and operational excellence.

Currently driving the digital transformation agenda in Lending at Aditya Birla Group, with a focus on scaling digital capabilities, maintaining a robust balance sheet, and building a strong ecosystem of strategic partnerships.

Previously, as Business Head for the Personal Loans division at Paytm, Adheer led the development of a fully digital and scalable retail lending business. This included building risk underwriting models suited to a challenging macro environment while maintaining a strong customer-first approach.

Before that, he headed the consumer lending business at Clix Capital, following a 14-year tenure at Citibank in various retail banking roles across geographies and product lines. He also spent close to two years with Aviva Life Insurance.

Adheer's experience spans a broad spectrum of functions, including product management, sales & distribution, corporate relationship management, partnership development, B2B/B2C sales, life insurance agency leadership, and channel sales.

Chandra Mouli is the Chief Growth Officer at Mobicule Technologies Pvt. Ltd. He is a seasoned leader in the fintech industry, driving business growth, digital transformation, and strategic partnerships. With extensive experience in scaling technology-driven solutions, Chandra is recognized for his expertise in business development, client engagement, and building high-performance teams in the financial services sector.

4x entrepreneur. CEO @Alohaa Since college, I have been passionate about startups. Whether I was a volunteer to organize an event or an intern for an NGO, my entire career has been one that entrepreneurial values have guided. Time and again, I enjoy overcoming hurdles and exploring new paths. As a 21-year-old university student, I founded my first fintech startup Payfix back in 2012. As a bootstrapped startup, we'd grown from a team with seven employees to generating $1M GMV. I founded ShopTap, an O2O eCommerce startup, in 2014. In less than 2 years, we established a solid merchant base of 6,800 outlets in India, starting from Kanyakumari to Jammu and Kashmir. In 2015, ShopTap got listed as "Top 10 Startups" to look out for by Yourstory. However, by the end of 2016, ShopTap got shutdown (A story to discuss over 10 cups of coffee) We could retain our core team of ShopTap. With persistent efforts of spending hundreds of hours re-visiting the business model, finding product-market fit, partnering with the right stakeholders, we launched ShopTap 2.0 in 2018. ShopTap partnered with NASSCOM to be a procurement partner for Global Entrepreneur Summit, 2017 at Hyderabad, India. This was a life-changing breakthrough for us, and from there on, we went on to onboard global brands like Welspun Group, Deloitte, Salarpuria Sattva, OTIS, Value Labs, ISS. Today, ShopTap is self-sustainable and became a cash bank for us to start my other ventures, Nytro and Coine.ai. Building a brand from the outside may seem effortless, but starting a business at 21 with no resources or funding soon made me realize that early-stage entrepreneurship is anything but transparent. I have been sharing my entrepreneurial experiences to help more young people start, launch, and scale their businesses with all the knowledge I gained over the years. From bankruptcy, we scaled up the product to reach profitability by applying a well-planned financial model and executed a growth strategy. Entrepreneur, I have co-founded four startups across verticals – Fintech, Ecommerce, Automotive Tech. Yourstory, Staruphyderabad, Sakshi media, The Hindu, and other reputed publications have featured me in their articles and other resources. My Josh talks video has garnered over 1 Million views (https://youtu.be/D13NNpFQSq0) If you want to talk more about bootstrapping, sales strategy, leadership development, or especially growth hacking, hit me up on LinkedIn or mail me at mani@alohaa.ai

Sagar Kapadia is a seasoned Chartered Accountant (CA), Certified Fraud Examiner (CFE), and Certified Cryptocurrency Expert (CCE) with over a decade of experience in risk management, forensic audits, and fraud prevention. Currently leading Fraud Risk Management at Piramal Capital & Housing Finance, he oversees early warning systems, IFC audits, and operational risk frameworks—successfully reducing fraud incidents and aligning risk strategies with compliance standards.

Prior to this, Sagar worked with Marwadi Shares & Finance, EY, and Mazars, where he led high-value forensic audits and advised on complex acquisitions. His expertise spans finance, real estate, infrastructure, and lifestyle sectors, with hands-on collaboration with agencies like CBI, SFIO, and EOW.

An IIM Lucknow alumnus, Sagar is also proficient in fintech, blockchain, and crypto risk. He is driven by the mission to innovate risk management and financial governance through strategic leadership.

Vivek Lohia is a senior risk and collections leader with over 20 years of experience at leading financial institutions like Paytm, Godrej Housing Finance, Aditya Birla Finance, PNB Housing, Standard Chartered, and CitiFinancial. As AVP – National Collections and Centre of Excellence Lead at Paytm, he drives strategic initiatives in collections transformation, risk control, legal compliance, and fraud prevention.

Vivek has led national portfolios, pioneered digital and field collection frameworks, and implemented early warning systems and automation processes that have significantly improved operational efficiency. His expertise includes SARFAESI, Section 138, legal enforcement, and regulatory governance.

With an MBA in Finance and a Law degree, Vivek is known for his sharp execution, leadership in transformation, and a deep understanding of end-to-end risk and recovery ecosystems.

Vivek Naik is a seasoned technology sales leader with over 20 years of experience, specializing in customer experience (CX)-driven solutions that deliver measurable business outcomes. As the Regional Director at Gnani.ai, he champions the adoption of voice-first AI across enterprises, enabling transformative CX strategies through advanced conversational AI technologies.

Prior to Gnani.ai, Vivek held leadership and sales positions at industry giants like Avaya, Polycom (now HP Poly), and Reliance Communications. Throughout his career, he has successfully aligned cutting-edge technologies with clients’ strategic goals, consistently building strong partnerships and surpassing sales targets.

Vivek has spearheaded some of the largest CX transformation projects for major banks and ITES firms, resulting in significant improvements in customer satisfaction and operational efficiency. He is recognized for his ability to drive innovation, deliver scalable solutions, and lead with a customer-centric mindset.

Rajish Chandrababu is the Director at OTOBIDS, where he is at the forefront of transforming the auto financing industry through strategic innovation and forward-thinking leadership. Drawing from a strong background in the finance and banking sector, Rajish leads a team dedicated to reshaping the automotive financing landscape with cutting-edge strategies.

Under his leadership, OTOBIDS focuses on sustainable growth, customer-centric solutions, and market adaptability. His commitment to excellence, innovation, and collaborative execution has positioned the company as a pioneer in delivering value-driven, technology-enhanced auto finance experiences. Rajish champions a culture of continuous improvement and responsiveness to evolving industry trends.

Amjad Khan is the Head of Risk Investigation at ICICI Prudential Life Insurance Company Limited. With deep expertise in fraud risk management and investigative analytics, he plays a crucial role in safeguarding the organization against financial crime and operational threats.

Amjad brings years of experience in insurance risk, forensic investigation, and regulatory compliance. His leadership ensures robust controls and timely detection of fraudulent activity across the business. Known for his strategic thinking and detail-oriented approach, he continues to lead impactful initiatives that strengthen the risk governance framework and enhance organizational resilience.

Mehul Gandhi is the Chief Executive Officer at Reliance Asset Reconstruction Company Limited. A seasoned finance leader, he brings extensive experience in the financial services industry with a proven track record as a Chief Financial Officer. His expertise spans negotiation, risk management, and strategic financial planning.

A Chartered Accountant by qualification from The Institute of Chartered Accountants of India, Mehul combines analytical acumen with leadership capabilities. His professional strengths also include proficiency in communication, documentation, and operational tools, making him an effective driver of organizational transformation in the ARC space.

Shubham Arora is the Head of Business Development at Sarvam, a full-stack Generative AI platform built with sovereign models designed to reflect and respect India’s cultural and linguistic diversity. With over 12 years of experience in technology and AI-led innovation, Shubham has previously held key roles at AWS, Instabase, and Microsoft.

A BITS Pilani alumnus, he has a proven track record of launching and scaling enterprise-grade products across cloud, fintech, and AI domains. Shubham is known for driving strategic partnerships and accelerating AI adoption in complex, large-scale environments.

Aisik Paul is the Co-founder & CTO of Data Sutram, where he develops alternate data products that help leading banks and NBFCs tackle fraud and accelerate collections.

A self-taught data scientist and Forbes 30 Under 30 honouree, he brings over 8 years of experience transforming digital footprints into actionable financial intelligence.

Mayank Sharma is a thoughtful millennial leader with a deep understanding of India’s financial markets. With over two decades of diverse experience across rural regions to global financial hubs, he currently serves as the Chief Audit Executive at IIFL Finance. Throughout his career, Mayank has exhibited strong leadership and expertise across various financial domains including retail sales, wealth management, insurance, gold loans, commercial vehicle loans, SME finance, digital lending, and home loans. He has played a critical role in building and strengthening retail equity networks and later transitioned to focus on non-sales strategies to enhance portfolio quality and minimize losses. As an early team member of one of India’s pioneering broking platforms, Mayank helped shape the future of the country’s stock broking industry. Over the past decade, he has significantly contributed to pan-India expansion in areas such as sales, credit, liabilities, and branch network development. Recognized for his leadership and impact, Mayank was featured in the prestigious BW CFO World Finance 40 under 40 Power List. He has received numerous accolades, including 'The Great Indian BFSI COO of the Year' by The Great Indian BFSI Awards and 'Most Admired BFSI Professional' at the World Leadership Congress. A sought-after public speaker, he has delivered keynotes at prominent forums such as the Vendor Risk Management India Summit. His earlier professional journey includes impactful roles at IndiaMarketPlaces, Tata Eureka Forbes Ltd, SBI Cards, and the IIFL Group.

Muralidhar Sripathi, who leads the Retail Business wing of Two-wheeler and Used Cars, is a seasoned and versatile professional with over 30 years of multi-functional expertise across 15 major Indian states. He has previously worked for Sundaram Finance Chola VF, as well as BAFL. Sales, Collections, Credit, Business Commercial Vehicles, New Cars, Used Cars, Two-Wheelers, Corporate Leasing, Consumer Durables, Office Automation Equipment, and Medical Equipment Financing, are just some of the tasks he's tried his hand at. His primary competencies include Crisis Management, Start-up, and Build Operate Transfer tasks. A graduate of the University of Madras,Course completed in Business Analytics

Mr. Jasmeet Singh is the Chief Risk Officer at Reliance General Insurance Company Limited since 2013, he has a wide range of expertise in Fraud Management, Loss mitigation, Risk management and has established the Fraud Management Framework and a SIU (specialized Investigation Unit) For Reliance General, He has created a team which includes a varied range of professionals right from Medico Legal experts, to Doctors, Engineers, Forensic Experts, Lawyers, Investigators etc.
With an overall experience of over 20 years, Mr. Singh has worked with a no. of esteemed organizations like ICICI Lombard General Insurance Company Limited, American Express Bank Limited and so on. His expertise encompasses various lines of business including but not limited to Fraud Detection, Prevention, Recoveries on control aspects and Channel management, Direct Sales Strategies, Product Development, International business etc. on business development aspects.
Mr. Singh holds a Master's degree in Business Management from University of Pune, and is an alumni of IIM, Lucknow for his Executive General Management, He is also a Law Graduate from University of Mumbai and is an esteemed member of International Association of Special Investigation Units (IASIU).

25 years experience in Retail and Wholesale credit Risk Management, Enterprise Risk Management , implementation of risk framework, Operations Risk Management, Fraud Risk Management, Team Management in Retail Assets Secured [Home Loan, LAP, Commercial Vehicle, MSME and Retail Assets Un secured [ Personal Loan, Education Loan ]and wholesale lending [ Construction Finance for Real estate Developers , Channel Financing & Inventory Funding for Automotive dealers]
Over these years, I had a good fortune to associate with top notch brands viz. IDFC Bank, Reliance Capital,ING Vysya Bank Ltd., ; GE Money , ICICI Bank Ltd., HDFC Ltd., Sundaram BNP Paribas, India.

The Group Executive Vice President, Chief Compliance Officer, and Head of legal at YES Securities (India) Limited.
Specialization in the fields of Legal, Broking and ROC Compliances, Finance, Business Management, Operations, Surveillance, Risk Management, Sales, and Marketing has more than 18+ years of diverse experience.
Worked with SEBI registered Listed Companies like Indiabulls and Geojit BNP Paribas.
Have an extensive career spans across all facets of financial services specially all functions ranging from the field of Retail and Institution Wealth Broking, Depository Operations, Compliance (SEBI, NSE, BSE, MCX, NSDL, CDSL, BASL, RA, RIA, AML, ROC, AIF, CYBER SECURITY AUDITS), Legal (CLB, GRC, Arbitration, Income Tax, DRT, NCLT, Trade Marks), Vetting of all type of legal agreements, Corporate Strategy and Governance, HR & Talent Acquisition, Research & Investments.

A senior executive with over 25 years of experience in providing strategic leadership for profitable growth in the Retail Lending space. (Mortgages, Unsecured Loans, SMEs, Auto Loans, )

Setting objectives, priorities, and managing P&L, budget, and KPIs, Mr. Ajay have held a central role in the growth of several reputed organizations such as Hero Fincorp Ltd., Family Credit India (Society General Group), and Tata Capital Ltd, HDFC Bank Ltd, Fullerton India, etc. He drives strategic and analytical aspects for ongoing success, with a proven record of consistently exceeding goals. He is equally adept as a leader and key contributor in devising action plans, delivering and leading Credit Risk Assessment & Mitigation, Revenue Enhancement Strategies, Data Analytics & Management, Product Implementation Management, Large Distribution Management, Product Lifecycle Management / Roadmap, Financial Strategy & Business Planning, Business KPI Management, and Team Leadership/ Management.

An Alumnus of the Indian Institute of Management Ahmedabad and a Fellow member of the Institute of Company Secretaries of India Ashish is a Company Secretary, Legal & Compliance Professional with more than two decades of Experience in working with large Corporates. He has expertise in managing Legal & Compliance risk, ensuring good Corporate Governance, Board and Shareholders interaction, managing International JVs, M&A, structuring transactions, legal compliance & documentation, Securitization and Asset Reconstruction and management of employee benefits (PF/Superannuation/Gratuity) trust.
Ashish is a Chief Legal & Compliance Officer and Company Secretary with Future Generali India Insurance Company Limited. Before joining Future Generali, he was a Company Secretary and Chief Legal & Compliance officer of Edelweiss General Insurance Company Limited where he was responsible for the Secretarial, Compliance and Legal functions of the Company in its startup phase. He is skilled in handling high profile Board and international JVs and ensuring best corporate governance practices. He has extensive experience in handling legal and secretarial functions of listed, manufacturing and regulated financial Service Companies.
Ashish has also worked in Reliance Nippon Life Insurance, Aditya Birla Sunlife Insurance and Asset Reconstruction Company (India) Limited in the past.
Ashish has been awarded many awards for himself and for the Companies he worked for in the field of Corporate Governance and Compliance. The snapshots of some of the •awards are as below: Golden Peacock National Award for Excellence in Corporate Governance for Aditya Birla Sun Life Insurance for the year 2011

Golden Peacock National Award for Excellence in Corporate Governance for Future Generali India Insurance for the year 2022

• ICSI Governance Professional of the year 2022
• ICSI National Award for Excellence in Corporate Governance for Future Generali India Insurance for the year 2022
• Awarded Best Chief Legal & Compliance Officer and Company Secretary for the year 2022 in 5th India Insurance Awards 2022 by Insurance Alert
• Awarded Top 10 Chief Legal Officers-2023 by CEO Insights, a leading magazine
• Awarded Corporate Trailblazers Top 5 Iconic CCOs to Watch Out in 2023 by The CIO Today, a leading magazine
• Awarded BW Legal World Top 100+ General Counsel 2023

A Banking professional with over 2 decades of rich domain experience in Risk Management, Change Management, Business Analytics and Intelligence, specialised in Contact Centre Management.
A goal-driven leader, with a strong personal accountability & ability to manage, motivate and empower diverse teams, in a dynamic climate.
I would like to work in a stochastic environment in building economies of scale, identify and reduce slack to business relevance.

Banking Professional,~ 20 years of diversified experience – Collections, Recoveries ( Secured & Unsecured) Operational Risk, Process Control, Assurance testing, Internal Audit, NPA management.

Rupessh is a reputed thought leader and advocate for the power of startups to transform industries and communities.

He is the Managing Director with Silicon Valley Bank India. He leads their Credit Administration practice. He is recognized for his invaluable contributions to the startup ecosystem. As a dedicated expert, mentor, and advisor, he has guided numerous emerging entrepreneurs through the challenges of early-stage development.

Beyond individual mentorship, Rupessh plays an active role in the startup community by helping connect both the founders and the investors. As a regular speaker at industry events, Rupessh shares insights on the startup ecosystem, innovation, and investment.

Before joining SVB, Rupessh held the position of Senior Vice President of Credit Services at HSBC, where he led the Corporate and Commercial Credit Services function supporting 28 countries. Managing a team of over 1100 employees across India, China, Poland, and Egypt, he was responsible for strategy planning, budgeting, service delivery, operations, technical innovations, process improvements, cost optimization, stakeholder management, and team leadership. Additionally, he spearheaded various activities related to financial spreading, credit analysis, covenant monitoring, facility & collateral documentation, collateral management, and post-approval credit administration. Before his tenure at HSBC, Rupessh gained valuable experience working with Barclays, Bank of America Merrill Lynch, ICICI, and HDFC. Rupessh holds an MBA degree and is a certified Six Sigma Black Belt professional. He also completed the 'Global Business Leader' Program at The London School of Economics and Political Science (LSE).

Uthaman believes in the saying, The way you make your customers feel is just as important as what you offer. Uthaman has helped several organizations in India enhance their customer experience through creative usage of cloud technology coupled with intelligence and seamless integration in the last five years.
He has helped migrate more than 30000 agents to work from home during the pandemic. He runs a profitable technology company that works with some leading organizations in the banking, insurance, healthcare, BPOs, ARM/Collections, eCommerce, lead generation, and the automotive space.

Mr. Kiran Komatla, currently serving as the Group CTO at Restaurant Brands Asia, is a distinguished technology professional with over two decades of experience spanning various domains. Mr. Komatla's impressive list of accolades includes the Retail Icon Award 2023, multiple Best CIO of the Year titles, and IT Genius Awards for Digital Transformation and Artificial Intelligence. With a background in QSR, Retail Business, Information Technology, and Digital Technologies, Mr. Komatla possesses extensive expertise in areas such as customer experience innovations, digital transformation, business intelligence, and supply chain management. His career is defined by successful project management, team leadership, and the ability to engage stakeholders in leveraging technology for sustainable business growth and achieving organizational KPIs.

Rishabh Goel is the Co-founder and Chief Executive Officer (CEO) of Credgenics, a leading technology solutions provider for debt collections to lending companies worldwide. Prior to Credgenics, Rishabh was with Deutsche Bank and Blackrock, where he recognized the prevailing archaic approaches to debt recoveries and lack of a robust digital framework in this crucial leg of the lending ecosystem. This motivated him to establish Credgenics, a unique data driven Software-as-a-Service (SaaS) based technology platform, which aims to address these issues and fundamentally transform the way debt collections are approached by lenders.
As the CEO, Rishabh drives the strategic business direction and growth agenda for Credgenics. He is an inspiring young leader with sharp business acumen, deep expertise in the banking domain, and a passion to innovate with smart use of technology. Rishabh interacts and works closely with the banking industry leaders worldwide to help them address their business challenges, serve their end customers better and realize business value from technology. Rishabh holds a Bachelor's degree in Technology from Indian Institute of Technology Delhi and has completed certifications in Financial Risk Management (FRM) and Chartered Financial Analysis (CFA).

Shashwat is the Co-founder and Chief Business Officer of Provakil, a legal operations management platform for global companies. Shashwat is a graduate of the prestigious Indian Institute of Technology (IIT) Kharagpur. Prior to founding Provakil, Shashwat has worked with HSBC Bank and OYO.

Mauli Agarwal, a seasoned and highly accomplished corporate compliance expert with a distinguished background as a Qualified Company Secretary and Lawyer. With over a decade of post-qualification experience, Mauli brings a wealth of knowledge and expertise to the table, making her a valuable asset for any company seeking excellence in governance and legal adherence. Her unwavering commitment to corporate governance has played a pivotal role in safeguarding companies from legal complexities and potential risks.

Beyond her professional achievements, Mauli is known for her exceptional interpersonal skills, forging lasting relationships with stakeholders and colleagues alike. Her strong sense of emotional intelligence, discretion, and diplomacy have earned her widespread recognition and appreciation within the industry.

In the ever-evolving landscape of compliance, Mauli stands out as a go-to expert, consistently staying ahead of the curve with her flexible and practical approach to work.

She has been acknowledged by prestigious platforms, including the '40 under 40 Award' for Compliance and Ethics and being honored as part of the '2022 Modern Governance 100.'

High performing Analytics professional with 19+ years of experience in multiple domains

Have led Analytics team of a major BPO/KPO player with USD 1BN+ revenue with 60+ Analytics professionals

Envisioned platform strategy at the enterprise level to productize Analytics solutions

Conceptualized and developed award-winning Analytics products for various verticals (Banking, Insurance, Travel, Telecom, and Healthcare) to drive non-linear growth

Functional expertise includes Credit Risk, Marketing, Fraud, Collection, HR, and Call Centre Analytics

Main areas of work are Portfolio Risk Analytics, Credit and Collection scorecards building and maintenance, PD, EAD & LGD models for both retail and corporate portfolios, Settlement models, Cross-sell/Up-Sell, Marketing Mix Modelling, Acquisition and Engagement Attribution modelling, Response modeling, Account Level Profitability, Fraud Analytics, Market Entry Strategy, SCM, identifying agent training opportunities and Survey Analytics among others

Techniques used are Logistic Regression, Bayesian networks, CHAID, Cluster Analysis, Survival Analysis, Factor Analysis and Conjoint Analysis, among others. Well versed in both Qualitative and Quantitative methods, Machine Learning and Deep Learning

An advanced user of statistical packages namely SAS, SPSS, H2O and KnowledgeSEEKER

An industry stalwart in Risk Management field, Sougata has more than 19 years of experience in BFSI in the field of Financial Crime, Building and Institutionalizing Risk Culture, Forensics Investigation, Fraud Risk Management, Data Analytics, Mortality Risk Management, Whistle Blowing Process, POSH, Compliance Audits. He is currently heading Fraud Detection & Control Unit with Edelweiss Life insurance Co. Ltd. Under his leadership the company has won several accolades like Golden Peacock Award for Risk Management, 2023, Fraud Investigation Team of the Year, 2023 etc. Previously he has been associated with organizations like Max Life Insurance, Exide Life Insurance, TATA AIA Life etc. Sougata holds a Master degree in Finance from Calcutta University & Certification in Advance Business data Analytics from IIM, Kolkata. He is a regular speaker in various industry forums & associated with III (College Of Insurance) as a Guest Faculty.

Himanshu Bhattacharjee a veteran in the modern day fast paced lending fintech world with a vast experience spanning across large banks, NBFCs and Fintech.
His career highlights mastering the skill of blending digital and physical journeys to make an Ideal journey. He has managed both the top line and bottom line across secured and unsecured businesses, while maintaining an ideal balance between risk and cost to ensure the organisational level profitability.
Strong banking regulatory DNA coupled with innovative ideas of product creation, selling and collecting translating to ideal combinations to drive profitable P&L for any organization.
Vast knowledge of Secured, Unsecured, Rural and Urban markets helps provide a strategic well thought off rich experience which works as an asset for any new and growing business.

Legal recourse, Recovery, Risk & Fraud Control, Loss Mitigation, Forensics & Investigations / Claims Management / Clientele Relationship. Utilizing potential resources and latent talent at their best. . 'To take best out of worst' and 'to believe in the best', together shall make things better!
Specialties: Strategic Planning & Implementation of Technology, Research, Analysis & Feild Operatives on Litigations, Drafting of M&As, Agreements, Bad Debts & Assets recovery, others. Regulatory Compliances, Arbitration, , Attorney Mgmt, Banking, Brand Mgmt, Cash Mgmt, Cost Analysis, Legal & related Counseling, Negotiation, Alternate Dispute Resolution, Policy Analysis, Public Relations, Quality Control, Recording, Recruiting, Reports, Risk analytics, Settlements.

I have 22 years of experience in banking, payments and fintech in the risk management and regulatory compliance domain.
Specialties: Buidling Risk & Compliance framework, Enterprise Risk Management & Governance, Market Risk & Liquidity Risk Management, ICAAP, Credit Portfolio Management & Stress Testing, Risk Governance, BASEL II & III, Risk Tech implementation, Operational Risk & Outsourcing Risk Management, Information Security, Fraud Risk. Regulatory Compliance & AML, Risk based Supervision, Dealing with Regulatory Authorities

As the Head of Collections and Fraud Control at DMI Finance Private Limited, I have over two years of experience in managing and optimizing the performance of a diverse portfolio of personal and consumption loans. I lead a team of professionals who are responsible for ensuring timely and effective recovery of delinquent accounts, minimizing fraud risks, and maintaining compliance with regulatory and ethical standards.
With over all 18 years of experience, I have a proven track record of delivering results by implementing innovative and data-driven strategies, leveraging technology and analytics, and fostering strong relationships with internal and external stakeholders. I have successfully reduced the skip portfolio, increased the recovery rate, and enhanced the customer satisfaction and retention. I am passionate about driving growth and excellence in the banking and finance sector, with a focus on portfolio management and fraud control.

Undersigned is a people's leader, diversified & seasoned Intrapreneur being a CA, CS, CMA (All India Rank Inter & Final) with post qualification exp. of > 15 yrs. Undersigned is a MBA with MDP from IIM-Lucknow, M.Com from Calcutta University & a honors graduate from St. Xavier's College, Kolkata too.
Also a Diploma holder of Financial Modelling & Valuation by ICMAI & certified Forex and Treasury Management conferred by Institute of Chartered Accountants of India.
Currently, Since Dec'2020, serving Mahindra MSTC Recycling Limited under the Brand logo CERO as a Chief Financial Officer based at Mumbai.
Earlier to this, the undersigned was serving MSTC LIMITED A Miniratna under Ministry of Steel a Listed entity as a Regional Manager Finance based at SRO Chennai. The Undersigned had served EMAMI LIMITED as a Finance Controller in International Marketing Division.
The Undersigned is an accomplished professional having diversified exposure & not limited to Accounting, Finance, Auditing, Forensics, Taxation both Direct & Indirect etc & had certified capital expenditure & Project financing for various Cement industries, Garments Manufacturing, Export House, Architectural firm, Shopping Mall etc.

I am working as Core Management team member for last 4 years contributing to the growth of Bandhan Bank with 2,50,00 crores business, having 80,000 employees and 9,000 branches, units. As Head Legal with 29 Years experience, in legal department advised on various legal matters on risk, compliance, governance, collection, HR, policy and process as well as core management across Asia specific to CEOs, ED, COO, CFO, CCO, CRO, Board of Directors, senior business leaders, assisted accelerating growth and keeping the company safe.
I am gold medalist in law and management guy possess Master of Business Laws, eMBA Finance, Honorary Doctorate of Laws and Doctorate of Management as well as secretarial qualifications.
I have worked with various large Banks i.e. Union Bank of India, IDBI Bank Ltd, IndusInd Bank Ltd, Bandhan Bank Ltd for more than 22 Years, Also associated to Panel advocate to State Bank of India, Bank of India, Canara Bank IRCTC, etc while practicing as civil and criminal lawyer. Further I have worked 5 Years in resolution of stressed assets with large corporate companies. I have handled large corporate A to Z legal work for more than 800 large corporate companies. Familiar with regulations, laws. Operations, governance, applicable to Banking.
I am ready to work in your Bank in legal department any other department or work assigned to me.
I am permanent resident of Mumbai, my family stay in Mumbai. Presently I am operating from Kolkata therefore request you to provide a job opportunity at Mumbai.

A competent professional with 3 decades of experience in Life/Health Insurance Operations, expertise in Renewal Collection & Retention, FMCG, Non-Banking Finance Companies, and implementation of GST for the company.

Qualified Legal Professional
Domain Expert in Life/Health Insurance Operations, Administration, and Systems
Business Requirements Analyzing for new systems development
Preparation of Business Requirement Documents (BRDs)
Technical Documents Preparations
User Acceptance Test Management (UAT)
User Manual Preparation
Training and Development for new process and systems implementation

Specialized in New Process Setup, Strategic Projects, Group Business Underwriting, Pricing, Claims Management, Domain Expertise in Insurance Software, UAT Planning, Functional Document Preparations, Customer Centric System Solutions, Analyzing Business Requirements, and Risk Analysis.

Having a wide area of expertise in Legal disputes in the subject matter of Insurance.

A strategic planner with expertise in Digital Collections, Retention Process, expert in Life Insurance Persistency, designing digital ecosystems, UAT, Test Scopes Planning & Procedures, and contributing towards improved and automation of manual processes to increase productivity and enhanced internal controls.

Developed competency in managing branch operations and implementing strategies towards enhancing productivity, key SLA metrics, business volumes, and growth.

Energetic leader known for the ability to set up new branches, strategic projects, maximizing productivity, and creating successful outcomes in complex situations.

Specialties:
- Insurance Operations Management
- Persistency Management
- Claims Management
- Group Business Underwriting
- Statutory & Legal Compliance
- Process Reengineering
- Domain Expertise in Insurance Systems
- Systems and Process Planning
- Group Business Valuations
- Strategizing for Profitability of the Products
- Risk Assessment
- Quality Assurance
- Specialized in Setting Up New Bancassurance Channel and Related Payment Process

An accomplished Chief Risk Officer and ERM expert with a background in Mechanical Engineering and an MBA in Finance. Holding certifications such as FRM and CISA, I bring extensive experience in risk management and cybersecurity to the table. With a strong emphasis on strategic leadership in risk, I've successfully led risk functions at organizations like Chaitanya Microfinance and NSDL Payments Bank. My expertise encompasses risk capital management, cybersecurity strategy, and fraud prevention. Let's connect.

Performance oriented professional with 21 years of proven track record in Collections and Legal recovery through inspiring leadership and execution excellence.

Retail Portfolio Management
Deft experience in Early, Mid, Deep and W/off Buckets for Secured, Unsecured, Agriculture, Commercial vehicle, Construction Equipment & Mortgage Loans.

Delinquency / Debt Management: Designing and implement collection strategy, techniques, procedures for end-to-end collections buckets.
Impact analysis on delinquency basis high frequency lead and lag indicators.
Design, Develop & Implementation of various Policy & Processes framework for smooth functioning daily collection operations.

Legal Tools: Understanding of various legal tools and tactical implementation as an enabler for portfolio management.
Networking: Coordinating with law enforcement, statutory bodies & auditors both internal and external for compliance and controls.

Call Centre & Field force / Profit Centre Operations: Managing network of Agencies & large In-house Team of call center & field Force.
Removal of bottlenecks through handholding, coaching & training, one-on-one methods for team support and supervision.
Devising To-Do list, Daily/Weekly Assignment's methodology and monitoring the outcome in controlled environment.
Enabling the performance of team members for ensuring individual & group achievements.

Budgeting & Planning: Planning & budgeting basis collection models along with profitability measures.
Deployment of Technology and processes for enhancing productivity and Cost optimization.

Business Re-engineering: Understanding & Implementation of newer technologies in collection function.
Process & Performance re-designing & improvement through analytics & qualitative interventions.

Notable Accomplishments:
Developed & Implemented - Risk based collection Model.
Design, Develop & Implemented Agri-collection Model
Business Re-engineering of end-to-end collection and legal Process.
Blueprinting and implementation of Digital Collection process.
Exposure in portfolio Selloff's & Buyouts.

A Proactive & results-driven leader with over 24+ years of strong domain experience. My journey has endowed me with crucial competencies in collections-management & Strategy Planning. Conceptualizing the initiatives for setting up robust processes & systems with a key focus on the Enhancement of Bucket Resolution Rates, reduction of Credit loss, GNPA, optimal utilization of resources for keeping costs under strict control, Regular review of the processes, Policy, Portfolio & systems, with a view to constantly improve efficiency & productivity. My ability to critical thinking & decision-making has always helped organizations in creating a competitive edge & high-quality risk management solution. I am a problem solver, effective strategic leader, team builder & creative individual with an ability to think outside the box.

In my 24+ years of Journey I have worked for Telecom, Banking and NBFC sectors. Expert in managing Secured, Unsecured & Strategic collections both in Banking & NBFC space. Successfully handled Collections for plethora of Products & Ticket sizes both in Secured & unsecured lending. (Prime-HL, Affordable HL, CF, CP, LAP, LRD, Strategic & Subvention schemes) Personal loans, Business loans, Loan Against Gold, Loss Write-off Recoveries, Credit cards, & Two-Wheeler loans) including Collection in Telecommunication sector. Being a Law Graduate gives me added advantage & edge over others & has always helped draw faster, more effective, more efficient, & sharper collection decisions & processes.

• Expert in Managing Credit loss, GNPA, NPA & Delinquency stock. Evolution & implementation of various Collection & Legal, Techniques & Strategy, Such as Synchronization Collection & Legal action by using Bucket Based Action Matrix, & Analytical models for enhancement of Resolution rates, Effective settlement & Quick Asset repossession & disposal methods. Conceptualizing the initiatives for setting up new processes & systems with key focus on enhancement of Productivity, Collection efficiency, Resolution rates, reduction of GNPA & delinquent stock. The focus here is on optimal utilization of available resources that fosters team performance & strict adherence to process ensuring achievement of individual & team targets & keeping attrition & Cost under strict control.
• Expert in handling large portfolios & teams. Specialize in Preventive & remedial Collection techniques. Collection optimization, Analytics, Risk assessment & Legal actions.
• Expert in building high performance team & Collection set ups. Successfully build Collection set starting from Designing right Collection model, Org structure ,Recruitment, Setting up process & Systems. Devising collection strategies, Early warning systems (EWS), improving Collection efficiency & cost of collections, Budgeting & Capacity planning. Use of Analytics & Technology to sustain positive performance & to manage operational challenges.
• Expert in Risk & Portfolio Management: Proficient in analyzing credit risk & sharing insights that leads to improved credit decisioning, Portfolio quality, business expansion in new locations, development of products. Devising MIS & reports for evaluating Sourcing quality & recommending Policy amendments to mitigate risk. Proficient in analyzing Legal & Technical reports & suggesting the degree of Risk involved.
• Regulatory Compliance: Expert in devising Process, SOP, governance mechanisms & trainings in compliance with applicable regulations. Successfully Spearheaded for collections in various RBI, NHB & various critical Audits.

Experienced Legal Professional with a demonstrated history of working in the financial services industry. Skilled in debt management, Dispute Resolution, Handling complex litigations, Documentation, Corporate Legal..

30 years of experience in the field of marketing & Sales and Risk management. Work experience - have worked in organization like TATA finance, ICICI Bank, HDFC Bank, IDFC first bank and currently in Bank of Baroda heading the Receivables risk management functions Mob-99870 59103

bio will update soon

With over 20 years of experience in business operations, sales, marketing, and development, he has a proven track record in early-stage and mature business environments. His expertise spans auto remarketing, auctions, Collections e-commerce, ITES and startup operations. He previously served as MD at ROAM Africa, and was a founding team member of CarTrade.

A commerce graduate with 22 years of experience in Collections, Debt Management, Operations, Process Improvement, Human Resource Management, setting up new processes, and Corporate Relationship Management.

• Managing Captive Call Center + Field for BKT X, BKT 1, and BKT 2 for BL, LAP, and Consumer Loans
• Proven skills in contributing to the increased productivity of the reporting team and increasing the profitability of the organization.
• Managing Communication and Process defining & Implementation; Process improvement
• Possess excellent communication, interpersonal, analytical, team management, relationship management, and organizational skills

Specialties:

• People Management
• Task Management
• Planning & Strategizing
• Automation
• Resource Planning

An experienced distribution & general management professional with more than 21 years of experience in Distributor, Supply Chain, Marketing, Training, Sales and P&L Management. Currently managing a team of experienced professionals which includes Front Line, Middle, Senior Managers and Leadership Team spread across the country, managing different lines of businesses.

Corporate Banking professional with 20 plus years of work experience in Client Coverage & Origination and Risk both as an individual contributor as well as part of the strategic / management team.

Ruqsana Nuruddin- Director -Head of Consumer Lending & Deposits Technology at Barclays India
Guiding companies towards sustained growth in technology through Innovation , Platform/Data Engineering & People Leadership.
A seasoned Technology Leader with 23 years of experience in the Banking , Retail & Product industries , having worked with renowned organizations like Barclays, HSBC, and SAS globally. Ruqsana is known for her strategic acumen, transformative leadership style and a strong focus on innovation, growth & financial inclusion.
Throughout her career, Ruqsana has demonstrated ability to drive business results and foster innovation through technology, in the area of Retail Banking, Consumer Lending, Deposits & Buy now pay later(BNPL).
Her expertise lies in building digital-first technology solutions that provide sustainable value to businesses while nurturing high-performance teams and driving operational excellence. As a data expert , Ruqsana has led creation of data monetization products, generating new source of revenue for companies by unlocking value from customer , channel , product & transactions data.
Passionate about Diversity & Financial inclusion through Digitization, She believes in creating large Societal Impact through Technology.

Bio will update shortly

More than 21 years of experience in finance and banking industry with exposure in managing collections for various products under Secured and Unsecured product suite. Expertise entails team building, enhancing collection infra, collection automation, process enhancement, data analytics, strategy planning and execution.

Finance Professional with experience in Fraud Risk & Operational Risk Management from Commercial Banking and NBFC background.

Specialties: Experience in Fraud Risk containment & Operational Risk Management.

Debjyoti Datta, Senior Vice President and National Collection Head for Loan Against Property and Emerging Enterprise Group, has been a valued member of the HDFC Bank's Retail Portfolio Management team for over 17 years. His core competencies include Process Management, Customer Complaints Management, Digital Innovation in the field of collection workflow system, Data analysis and Receivable Management across various stages of delinquencies. His deep-rooted knowledge of compliance requirements helped in designing collection processes for the bank, in line with regulatory expectations. Debjyoti has a total work experience of more than 27 years in the field of receivable management. Debjyoti has been known for his collaborative approach and mentoring skills, and been instrumental in leading successful teams known for delivering impeccable portfolio indicators in the industry. His knowledge spans across various products ranging from Secured, Unsecured loans & Payment business. He is known for his proficiency in people, vendor and associate management. His experience across national and international market makes him a subject matter expertise in the field of Retail & Corporate Receivable and Debt Management.

A tenacious, result oriented professional with 20 years + experience in Customer Service, Technical Support, Strategy building, Consumer Sales, People, Process, Client & Project Management. Exceptional experience and proven track record in Back Office Operations, CS-IT Operations, Customer Service Skills (B2B and B2C), Technical Support, Help Desk Management, Project Management & Process Excellence. Proven strategic capabilities and demonstrable critical thinking across business (vision, solutions, strategy, roadmaps). Known for interpersonal and communication skills that allows effectiveness in change management, networking, negotiation, team-work, presentation and are politically astute.

Seasoned Banking professional with 37 years' of insightful experience in Internal Audit working as Executive Vice President (Senior Consultant) & Head Credit Audit with special expertise in Loan Review Mechanism/Credit Audit, Credit Risk Management, Portfolio Risk, Credit Administration, Credit Monitoring, EWS identification and suggesting mitigates to the potential risk & managing all facets of loan origination including Portfolio Risk Management, Documentation & Collection.

A dynamic and results-driven professional, leveraging over 31 years of rich and diverse experience. Targeting a challenging role in Collections Management within the banking/financial or automobile sector.
Aiming to utilize expertise in loan disbursements, credit management, recovery strategies, and team leadership to drive operational excellence and achieve outstanding results for the organization.

Extensive experience with varied business environment in multiple Industries, Leading Corporate Legal Function for over a decade, Core functional experience include Public Affairs, Extensive Litigation, Legislative Advocacy, Regulatory Structures, Corporate Re-structuring, Project Negotiations, Competition Law & Anti-trust framework, Arbitration, Industrial & Employment Laws, Reality & Estate Transactions, IPR Policy and Litigation

Conflict Management, Commercial corporate Contracts, Devising effective legal strategies, Intellectual property protection, Civil, Criminal and Constitutional Laws, Banking, Insurance and other compliances, Structuring & Managing Legal Organizations and Business Interface

Alumni of IIM Kozhikode and career banker with more than 30 years of experience out of which 23 years have been spent in leadership roles predominantly in Corporate Finance, SME Advances, Risk Management and Branch Banking. Proficiency in planning, strategizing, leading & executing Bank's Corporate Banking Verticle operations involving leadership in marketing, processing, sanctioning & servicing Corporate/SME business relationships in dynamic & rapidly changing Banking scenario
Gained exposure in driving overall business of the Bank by leading Corporate Vertical, Branches, Zones, Regions and large teams & achieving desired targets with overall responsibility of Department's profitability, topline, fee, NII, Treasury Income, Cross Sell, Portfolio Quality & Collection while maintaining highest level of customer service and customer satisfaction in a dynamic and globally expanding MNC environment

Expertise in coordinating with Banks, FI's, Regulators, Board of Directors, Investors, Auditors, Corporate, Accounting Team, Treasury Team, Reconciliation Team and other internal/external stakeholders for seamless banking operations
An efficient leader with skills in leading & mentoring team on banking process, products, corporate credit process and customer relationship management; ensuring their progress & performance
Track record of leading the entire process of risk management for Corporate and SME advances with a team of analysts by diligently monitoring the portfolio quality, process & procedures ensuring compliance with defined norms & regulatory requirements
A strategist cum implementer with recognized proficiency in spearheading business to accomplish corporate plans and goals successfully.

Extensive Work in Retail Banking, Credit Bureau & Risk Consulting in designing, developing, implementing and validation of Retail analytics, Commercial Analytics, and Marketing analytics projects.

Worked extensively in Bank's retail analytics and with clients in Banking, HFCs, NBFCs and Telecom sector for building their:

• Credit risk model
• Acquisition Scorecard and approval strategy
• Behavior Scorecard
• Launch of New Assets Product
• Designing Policy & Risk for Unsecured Lending
• Collection score card & allocation strategy
• Recovery Model
• Loss Forecasting
• Consumer retention/Churn Prediction model
• Fraud prediction model
• Cross-sell and Propensity Scorecard
• Supply Chain Financing Model
• Income estimation model
• Digital Marketing
• Portfolio evaluation and Industry bench marking
• Policy simulation & strategy design for loan sourcing
• Market entry model
• Design of Experiment & Pilot Launch
• Digital Channel Analytics

Specialist in Machine Learning, Advanced Analytics, Econometric, Statistics, Time Series Analysis, Economics and Research.

Bachelor degree in Economics from St. Stephen's College and Master's degree from IGIDR, an advanced economics and research institute established by RBI.

Siddarth Padmanabhan is currently a Co-Founder and Chief Business Officer at Neowise Technologies Pvt Ltd, a company acquired by the Decentro Group in 2023. Neowise is a Mumbai-headquartered Fintech building a debt collection technology stack that it offers to Banks, Fintechs, and NBFCs, enabling them with best-in-class technology to reduce NPAs. Having been part of the GTM teams at Linkedin, Meta and other large tech companies during his career, he currently leads all business and operations at Neowise.

An innovative, multifaceted solution-focused post-sales and financial professional with 20+ years of rich experience demonstrating visionary leadership and outstanding performance in the areas of Collections and Credit Management, Customer Service, and Retention. Superior interpersonal, organizational, and analytical skills with an innate ability to work in unison with customers, staff, and key internal/external stakeholders.

Core Competencies:

• Collections and Credit Management
• Debtors Aging Analysis
• Accounts Receivables
• Customer Service & Complaint Management
• Retention Management
• Call Center Operations
• Churn Management
• Team Building & Development
• Performance Management
• Process Improvement
• MIS Reports & Analysis
• Business Operations

Behavioral Strengths:

• Hands-on experience in People Management, Backend Operations, and Vendor Management
• Highly organized with outstanding skills in interacting with clients, understanding their requirements, and accordingly devising customized & cost-effective solutions
• Skilled at Customer Relationship Management with demonstrated abilities in training, team building, and developing team members & support strategic career planning
• Demonstrate ability to communicate with and align senior stakeholders & team against a common goal
• Effectively identifies critical challenges and ability to analyze and overcome them
• Diligent & decisive leader with proven ability to lead and motivate large cross-functional and multi-cultural teams to maximize performance

Experienced Risk Officer with a demonstrated history of working in the banking and financial industry. Skilled in Enterprise Risk Management, Strengthening Risk Culture, Embedding Risk-based Decisioning Framework and Business Relationship Management. Strong academic qualification with a Post Gratuation focused in Marketing from Symbiosis University, Pune, India.

I specialize in arbitration, corporate/commercial litigation and white collar crime related litigation. I have handled large and complex commercial disputes in courts, tribunals, quasi judicial authorities and through alternative dispute resolution mechanism such as arbitration and mediation. I have also worked on general corporate and competition law related matters.

National Manager Legal

An entrepreneurial professional with extensive experience in B2B SaaS, IT, and telecommunications, currently leveraging expertise at Rezo.ai.

Collections Professional with over 2 decades years of experience in Retail Finance domain. Proficient in collection strategies, building digital debt management platforms, mentoring and motivating large field force. Proven ability to lead and motivate large cross-functional and multi-cultural teams to maximize productivity. Prior to current stint at BharatPe, have worked with leading Banks & NBFC's like Citifinancial, HSBC , Fullerton India and Mahindra Finance.
Familiar with trending AI and ML tools which go a long way to maximise collection efficiencies

Ritesh, a seasoned entrepreneur with 20 years of experience, is a strategic leader with a track record of building and scaling companies in consumer tech and financial services. Starting his entrepreneurial journey in the US in 2004, Ritesh was a founding member of a large loan origination platform processing over $200M in monthly loan volume. In 2008, he co-founded a successful debt relief company called Settlement Corp, processing over $2B in consumer debt. He founded FREED - India's 1st debt relief platform in Aug 2020, with a mission to help Indian consumers struggling with debt. Ritesh is an alumnus of NIT Bhopal and IIM Bangalore.

Sudhir is a passionate advocate for growth and a business development enthusiast, specializing in Business Process Outsourcing Management for the Banking and Financial Services Industry. In his current role, Sudhir leads a team of over 20000 professionals dedicated to collections, Recovery & Banking Ops. This is perhaps the largest collections team in India, which includes all the facets from Digital, Data Science to Tele collection and last mile. Sudhir's team services 21 NBFCs and 18 Banks that include private and public sector banks.

As a mastermind in leading initiatives that drive digital transformation, analytics, and BI-led collections, Sudhir's strategic vision and leadership skills ensure the successful implementation of innovative solutions, enhancing efficiency and delivering outstanding results.

Currently serving as the Chief Business Officer at Conneqt Business Solutions, Sudhir continues to push the boundaries of excellence and innovation in the industry.

Bio-Vivek Dubey as the Compliance Officer & Sr. Vice President- Legal & Compliance at Coverfox Insurance Broking (part of Coverstack Technologies, an insurtech frontrunner), I am passionate about helping the company structure and implement a robust and compliant business structure for its innovative insurance and insurtech business operations. With over 17 years of experience in the insurance and reinsurance industry, I have a deep understanding of the complex commercial landscape, the regulatory challenges, and the emerging opportunities in this fast-growing sector.

I work closely with the technology, insurance, partnership, and other teams to develop customized insurance and service solutions that meet the unique needs of our customers and partners. I also lead the implementation and monitoring of the global compliance framework in various countries, ensuring that we adhere to the highest standards of ethics and business conduct. I am driven by the mission of enabling Coverfox to deliver seamless, transparent, and affordable insurance products and services that empower people and businesses across the region.

Incubating new ideas – Creating New Resilient Financial Entities – Managing Risk and Distress
• Director, College of Supervisors – Since January 2021 – Setting up a Global Centre of Excellence on Resilience of Financial Institutions & Systems
• Executive Director (Supervision & SupTech) of banks and NBFCs in India
• Head of Risk Monitoring
• Head of Financial Stability Department
• Advisor, Financial Stability Department of Oman
• Head of Reserve Bank Staff College, Chennai
• Regional Director, Uttar Pradesh, Uttarakhand & Jharkhand
• On-Site examination of banks
• Director in the Boards of PNB & Indian bank
• Member of Vulnerabilities Assessment Committee of Financial Stability Board.

Mr. Rohan Juneja is currently serving as MD & CEO of TruCap Finance Limited (Tru), a specialist MSME and Gold Finance NBFC. He has led the transformation of Tru from a single product-single office lender to a specialised multi-branch MSME lender focused on delivering affordable credit solutions to unserved and underserved small businesses.

During his tenure, the company's footprint expanded to 70+ branches spread across Tier 2 and 3 cities in Northern & Western India to develop deep expertise in managing lending operations, resulting in 15 times growth of loan book over a span of 3 years. Since Jan 2020, he has stitched relationships with almost 30 prominent financial institutions as lending and co-lending partners for facilitate access to credit and promoting financial inclusion.

He is a former investment banker and hedge fund manager with over 17 years of experience in research, strategy, portfolio management, financial analysis and mergers & acquisitions.

He started his career in 2002 as Equity Research Associate with Keefe Bruyette & Woods and was elevated to the position of Assistant Vice President.

He subsequently worked with FrontPoint Partners, L.P. as Financial Analyst and Vice President from 2007 to 2011 were he extensively worked on analysis, research and investment in financial services and real estate companies in India, USA and China. He was associated with Seawolf Capital LLC from 2011 to 2017 as Vice President, responsible for investing and managing a portfolio of listed equities within financial services companies in India and USA. He also worked on companies in similar sectors located in Australia, Brazil and Canada.

Manish Lunia, a career financial services professional with 20+ years of experience Co-Founded Flexiloans .com - India's largest embedded ecosystem lender for SME Loan.

He leads the Strategic Partnerships & Alliances, Expansion of the business, and Corporate Strategy at Flexiloans. He started his career with Aditya Birla Group and has also worked with Tata Teleservices. He is also a part of the Executive Committee of the Digital Lenders Association of India (DLAI), spearheading various policies that would help in the growth of the industry.He is a regular speaker at various conferences and events like Tie-Con Mumbai, ISB Conclaves, DLAI Annual Conference, Fintegrate, etc. He is a qualified Chartered Accountant and pursued his MBA from ISB (Indian School of Business, Hyderabad) (Dean's List)

Atul heads the Sales Function at Razorpay as the Senior Vice President and is responsible for architecting the organization's direct and indirect sales strategy and efforts, shaping & building the sales team, and scaling revenue to the next level.

An alumnus of IIM Ahmedabad, Atul has 15+ years of hands-on Global experience in the areas of Fintech, Alliances, Enterprise Sales, Channel Sales, Analytics-driven strategy, and Business Intelligence.

He also monitors and observes the brand and makes forecasts, identifying new trends ahead of the curve, hence, offering Razorpay a competitive advantage and keeping it ahead of its competition in the market.

As a member of the leadership team at Razorpay, Atul has helped the company expand its horizons and captured large projects by selling into new markets, strategizing next steps, negotiating complex deals and beating the competition in head-to-head opportunities.

The culture of Razorpay is core to his being and works towards inspiring and guiding team members in adoption of the company's vision and values in day-to-day operations.

Atul strongly believes in creating a strong business and building a better world - as they are both essential ingredients for long-term success in serving the society. During the toughest of times, Atul is trying his bit by involving in multiple CSR activities with the most recent being food distribution to COVID-impacted folks.

Atul is analytical and articulative when it comes to knowledge sharing, he has been an active speaker and has represented Razorpay at various industry forums and colleges in the past including institutes and forums like IIMA, IIMB, MDI, MUSB, FMS & IIMV.

Atul has been at the forefront of various client facing roles involving P&L management and setting & achieving business expansion, revenue enhancement, client acquisition and account management targets. Before joining Razorpay, Atul has made his significant contributions to companies like PwC, KPMG, and PayU.

Mr. Harish B. Parmar is the founder of City Credit Management LLP and has over 30 years' experience in developing innovative ideas for diverse financial institutions in the United Kingdom and India. He mentored and led a team in developing an integrated debt management program in India and set up a company called SingleDebt.

Mr. Parmar is always focused on developing a global financial model to overcome individual problems, risk factors, and open access to the Debt Management industry in India. He has tirelessly worked to establish a reputation for debt management in India among a large number of global audiences.

Early in his career, he held leadership positions with a variety of financial institutions, including merchant banks and high street banks. He developed a vision for introducing debt management for the first time in the Indian financial industry.

Mr. Parmar pairs a broad range of financial industry experience with leadership qualities. His greatest strength is his ability to spot opportunities, react to them, and introduce creative techniques to the market. All of the success he has today is the result of diligent work from the roots. He has a blend of technical, operational, and people skills, along with a keen business sense and the ability to boil complex issues down to a manageable level. His style is purpose-driven, people-centric, and outcome-oriented.

Mr. Parmar, a man with modern vision and a strong decision maker. He has excelled in his unique skills in expanding his innovative business ideas to the public and financial sectors. He always took his steps forward in achieving success with an optimistic attitude that gave him the ability to communicate the invention of financial strategy to a large audience.

A senior executive with over 25 years of experience in providing strategic leadership for profitable growth in the Retail Lending space. (Mortgages, Unsecured Loans, SMEs, Auto Loans, )

Setting objectives, priorities, and managing P&L, budget, and KPIs, Mr. Ajay have held a central role in the growth of several reputed organizations such as Hero Fincorp Ltd., Family Credit India (Society General Group), and Tata Capital Ltd, HDFC Bank Ltd, Fullerton India, etc. He drives strategic and analytical aspects for ongoing success, with a proven record of consistently exceeding goals. He is equally adept as a leader and key contributor in devising action plans, delivering and leading Credit Risk Assessment & Mitigation, Revenue Enhancement Strategies, Data Analytics & Management, Product Implementation Management, Large Distribution Management, Product Lifecycle Management / Roadmap, Financial Strategy & Business Planning, Business KPI Management, and Team Leadership/ Management.

Harsh Vardhan Masta is VP at PolicyBazaar where he is leading the digital payments initiatives. With more than 12 years of experience in product development, management, Tech, and new initiatives, he has been passionately involved in the Fintech space. Prior to PolicyBazaar, Harsh led the digital payment initiatives at IndiaMART and also served as the Director for their payment gateway, Pay with IndiaMART. He is credited with the ideation and launch of this product and more such initiatives at the organization.

Mr. Sandeep is a sales and marketing professional with in-depth working knowledge of Supply Chain function. He worked in Sales and Marketing for the intial 11 Years of the career then moved to Supply Chain in May 2007.

Moved back into Sales and Marketing in Feb 2012. Moved as SVP - Sales and Marketing for Industrial and Consumer business in July 2014

Implemented SAP and APO, during the supply chain experience. Have hands on knowledge on S & OP process. Spoken in several Indian and International seminars on the S & OP process. In Sales and Marketing, he created new way of doing things in Industrial including focus on domestic RMG industry.

A curious service professional learning to transform the customer experience industry by craftily deploying tools like process reengineering, design thinking, advanced analytics, and technology (cognitive and otherwise)! 'Customer experience management, product/project and innovation management, business and digital transformation', that is what I do. COPC, Six Sigma Black Belt and PMP certified professional.

Anurag is a Fintech enthusiast and forward-focused professional with over 13+ years of a demonstrated history in Digital Lending, Credit Evaluation, Product Development, Analytical Skills, Market Research, Risk Management, Operations Management, Business Relationship Management, and Portfolio Management. Have Launched and built new business set-up and from scratch and expanded the operations to multifold in a short time period, Skilled in B2B Negotiation, & Business Planning, Proven communication, interpersonal, problem-solving and negotiation skills

Skill Highlights
• Creating and building a business process, Call center, Collection agency Network PAN India from scratch to a large level.
• People management up to 200
• Experience in building a fully automated credit underwriting platform
• Experience in implementing the automated credit, Sales, service and collection process setup from scratch.
• Experience in planning and implementation of business strategies at a different level
• Well networked professional in the technology and financial sector
• Experience in Managing a large collection portfolio across all buckets with value Rs.60000+cr and count of 980K+cases in a month.

Uthaman believes in the saying, The way you make your customers feel is just as important as what you offer. Uthaman has helped several organizations in India enhance their customer experience through creative usage of cloud technology coupled with intelligence and seamless integration in the last five years.

He has helped migrate more than 30000 agents to work from home during the pandemic. He runs a profitable technology company that works with some leading organizations in the banking, insurance, healthcare, BPOs, ARM/Collections, eCommerce, lead generation, and the automotive space.

Roopesh Chandran is Chief Operating Officer at BOB Financial Solutions Ltd. In this position he heads the functions of Issuance, Operations, Customer Experience for both Cardholders and Merchants,leading operational re-engineering efforts through artificial intelligence, machine learning and fintech engagement to transform and futureproof next stage of growth.

Prior to this position he was with Visa leading across Business Development and Client Services. Prior to Visa, he worked with TransUnion (CIBIL) as product lead across commercial, fraud, mortgage and microfinance bureau. He was also associated with Axis Bank, HDFC Bank and ICICI Bank in his assignments across product and marketing. Roopesh is a Postgraduate in Management with merit scholarship from IBS, Hyderabad and Bachelors in Computer Applications from S.V University, Tirupati.

An Experienced , dedicated, motivated Banking & NBFC professional with more than 35 Years of experience in Collection & Recovery, Sales & Operations, with some of the leading Banks & NBFC's in India & abroad like HDFC Bank, Centurion Bank, ING Vysya Bank , 20th Century Finance & Apple Finance. I had also work with one of the biggest group from Middle East named Saud Bhawan LLC & was handling their Credit & Collection for entire group. I am having In-depth knowledge & hands on experience on Various Collection process across products from soft collection to stressed collection using team, BPO setup & now latest digital collection.

Jyotikka is the Chief Product Officer at Enterprise Tiger and has over 20 years of experience working in Banks doing change management and compliance for the credit business, with a focus on debt management. She is passionate about innovation in customer experience and study of customer behaviour . Master of problem-solving and critical thinking for operations. She firmly believes that creativity, technology and meditation are the mantras for a better world.

Vaibhav is the Co-founder of ftcash, empowering 60+ million underserved micro-merchants in India through financial inclusion using digital loans, payments and insurance. ftcash was recognized as one of the fastest-growing fintech companies in India by Forbes and is supported by Facebook, PayPal and MasterCard. MIT awarded Vaibhav for 'Most Innovative Future of Work in the World' in Financial Inclusion. He was honoured by HRH The Duke and Duchess of Cambridge for his contribution in financial inclusion. Vaibhav has spent the last decade leading the intersection of entrepreneurship, technology, and policy at organizations such as XPRIZE, The World Bank and LGT Venture Philanthropy. Vaibhav was selected as a Davos50 among the Global Shaper to represent the voice of the millennials at the Annual Meeting of the World Economic Forum in Davos. He is an Oxford University Entrepreneurs Fellow, Acumen Fellow, Asia Development Fellow and Global Good Fund Fellow. He is an alumnus of Harvard Kennedy School and awarded distinguished alumni by NIT, Trichy.

Mr. Karthikeyan is a Banking professional with over 2 decades of rich domain experience in Risk Management, Change Management, Business Analytics and Intelligence, specialised in Contact Centre Management. A goal-driven leader, with a strong personal accountability & ability to manage, motivate and empower diverse teams, in a dynamic climate. He's currently the Chief Collections Officer at Axio (formerly known as Capital Float, Walnut & Walnut 369) is the brand name of CapFloat Financial Services Private Limited, an NBFC registered with the RBI, which is the lending partner.

Sumit Gawshinde is a versatile business professional, with over 20 years of collections and sales experience for both secured and unsecured portfolios with a demonstrated history of working in the financial services industry. A versatile Banking professional, Sumit is currently heading the collection function at Varthana , managing school loan and student loan portfolio, effectively leading a team of over 100 people spread across the country. Sumit has completed Masters of International Business after graduating in Commerce from Indore. Post that, he worked at Eli Lilly and ICICI Bank. Prior to joining Varthana, he was working with Kotak Mahindra Bank, spearheading their Collections activities in South and East as VP and Zonal Head. Sumit brings along in-depth expertise in Flow management, Deep bucket recoveries, Fraud detection and possesses sound knowledge of Litigation management. He has managed large teams and has travelled across the world for work and leisure.

A data science professional with expertise in data mining and developing statistical & computational strategies for handling complex data sets. Have designed and developed models which have been published in world-renowned journals. Rashi has been the Sr. Group Manager at WNS Global Services, Subject Matter Expert at Absolutdata, Lead Data Scientist at CorrZ, and Assistant Professor at JawaharLal Nehru University. Received a doctorate from the University of Helsinki and double masters from IIT Delhi.

Unit Head , Debt collection Strategy ,Analytics and Portfolio Strategy Yesbank Ltd.

Over 14 years of experience in Banking for all retail product,business banking,rural banking and inclusive banking Helps bank for to take data driven critical decisions.

Alumna of IIMA on advance business Analytics.

MBA from Indira school of Management

Physics Graduate from Utkal University

Started professional career with ICICI Bank in year 2008 and served till 2016 for various product in debt collection strategy.

Core strength is risk modelling and digital innovations

Presently heading Customer Experience as well as Learning & Development for Kissht & Ring for the past 5 years now. I have a total experience of 12 years+ that spans across Operations, Finance, Product Management, Customer Experience, Employee Experience, and Learning Development, having worked with established companies like HDFC Bank, HDFC Life, Asit.C.Mehta Investment Interrmediates as well as with new-age Fin-Tech companies like Kissht & Ring. Have served industries including Real Estate, Capital Markets, Banking, Financial Services & Insurance.

Manavjeet Singh is a FinTech entrepreneur with proven track record of conceptualizing, scaling up, raising capital and operating an award winning start-up for 5 years. Seasoned banking professional with over two & a half decades of rich leadership experience with broad based leadership experience in business transformation, business development, sales productivity & financial management.

Solid leadership with experience in developing & implementing strategic and tactical solutions, developing and leading high performing teams with cross–organizational objectives and complete P&L responsibility, seizing control of critical problem areas, transforming under-performing units & designing organizational policies.

A sound leader with a distinguished reputation of being the driving force with success defining strategy & implementation. Impeccable record in setting up & building new businesses along with high-level decision makers in achieving mission-critical business initiatives like pan India expansions, new product/business launches, distribution channels, sales & marketing strategies, performance improvements & change management.

Extensive background & proven performance track record in handling functions including Sales & distribution, Underwriting/Credit & Risk, Collections & Recovery setup, Risk Management and setting up technology infrastructure across Retail, SME & Micro finance businesses. Led and motivated teams comprised of more than 5,000 employees and managed P&L for business divisions exceeding $500 million revenue.

Rajesh Patil is the VP for Customer Experience at Dista. He is a seasoned technology professional with an experience of close to 25 years in IT, engineering, delivery management, building and managing large distributed teams, and customer management. His core strengths are product engineering and strengthening customer relations.

Gokul Gopalakrishnan is a Senior Vice President, Business (Asia) at Uniphore based in Palo Alto, California. An entrepreneurial, techno-business executive officer with 20 years of global experience in customer experience/voice technology with specialisation in Banking, Financial Services, Telecom and Healthcare. Previously, He was the Chief Business officer at Servion, leading the North America and UK region with expertise in digital transformation solutions like Robotics Assisted Automation (RPA), conversational AI, Active/Passive voice biometrics, Speech Analytics across different consumption models.

Vishwanath is a DeepTech entrepreneur with a decade of academic and applied research experience in Computational Linguistics. Vishwanath has been a vocal champion of the new age conducive policies for Indic language & voice technology companies at various government, academia & industry think tanks. He's on a mission to enable uniform customer experience in every interaction through Saarthi's multilingual call centre AI agents deployed in contact centres across different verticals

Sangram Sabat, COO & Co-Founder, Saarthi.ai, is a proven data science leader who built emerging tech teams and led digital transformation projects at Citi and Fractal, and helped launch products. He has led massive cross functional ML projects in CPG and BFSI domains. He's obsessed with content, building emerging tech teams and products that will impact humanity for the coming decades. He's a speaker at many Voice tech and AI events, and passionate for building a community that furthers Multilingual AI for Digital inclusion. He graduated from IIT Dhanbad – Mechanical Engg. in 2013.

Ex Companies - Fractal Analytics, Citi

Kunal is the Chief Risk Officer for Hinduja Leyland Finance Ltd. who are one of India's leading vehicle finance NBFCs with a focus on urban and semi-urban markets through a vast network of 350+ branches and 1550 business locations. He leads the risk management and governance practices for a diversified range of products and customer segments as the company finances wide range of products like commercial and personal vehicles, which include medium and heavy commercial vehicles, light commercial vehicles, small commercial vehicles, cars, multi-utility vehicles, tractors, three wheelers, and two wheelers (including used vehicles). In addition to this the company also finances tractors, construction equipment, and provide loans against property. The company also has a wholly owned subsidiary, Hinduja Housing Finance Limited, which focuses on providing finance for affordable housing loans. The company has a diversified customer base comprising of first-time buyers, captive users, retail operators, strategic and large fleet owners, small truck owners and self-employed individuals.

He has over 22 years of work experience in the areas of Risk Management, Operations, Process re-engineering & Internal Audit across Retail Banking and Life Insurance Industry.

Since over a decade he has been instrumental in establishing ERM framework across different organisations.

He has worked with organizations like Citigroup, GE Capital, SBI Cards, Aviva India, Future Generali and presently operates as a CRO since last four years at Hinduja Leyland Finance.

A avid traveller, he loves to explore new places mostly by driving or riding and appreciate the true beauty of nature and architecture.

Arvindhan Sridharan, is India Business Head at Uniphore, He is a techno-business executive officer with 20 years of experience in contact centre, customer experience/voice technology with specialisation in Banking, Financial Services, Retail, Telecom and Healthcare. He currently drives the Uniphore business for India helping transform the Customer Experience Journey for organisations.

Anuj is a professional having over 19 years of multifaceted experience in leading, conceptualising and managing Collections, Recovery, Legal & Litigation in lending business. He is presently working ECL Finance Ltd(Part of Edelweiss Financial Service Ltd) and managing Recovery and Legal operations for Pan India as Collection Head for last 3 years. He has worked with organisations like Reliance Commercial Finance, DCB Bank, Magma Fincorp, & GE Money.