BOARD

CHAIRMAN & INDEPENDENT DIRECTOR

G.R. Chintala
MANAGING DIRECTOR

Sanjay Sharma
INDEPENDENT DIRECTOR

Sanjaya Gupta
Independent Director

Vinay Baijal
Independent Director

Kanika T. Bhal
Independent Director

Padmaja Nair
IMP2 Assets Pte. Ltd. (ABC Group)

Aditya Misra

CHAIRMAN & INDEPENDENT DIRECTOR

G.R. Chintala

Appointed as Independent Director in September 2023 and appointed as regular Chairperson of the Board of Directors effective from January 5, 2024.

Dr Govinda Rajulu Chintala is a financial services veteran with over 35 years of experience. He was the Chairman of National Bank for Agriculture and Rural Development (NABARD) from 2020 to 2022. Prior to that he has served as the MD of NABFINS (NABARD Financial Services) and Chairman of NABARD Consultancy Services Ltd., NABVENTURE and NABFOUNDATION. His key initiatives include the digitizing the world’s largest microfinance program under project ‘e-Shakti’, creating a  “Roadmap for Amalgamation of Regional Rural Banks” and promoting and nurturing Farmer Producer Organizations (FPOs), Livelihood Enterprise Development Programs, Area Development Schemes and Alternative energy models.

He has been the Director of Bankers Institute of Rural Development (BIRD) and has also served on the Boards of Institute for Rural Management (IRMA), DICGC and the Advisory Board of IIM-Ahmedabad.

He graduated from the Agriculture College, Bapatla, he did his Post Graduation in Seed Science and Technology from Indian Agricultural Research Institute, New Delhi.

MANAGING DIRECTOR

Sanjay Sharma

Sanjay Sharma is the founder and Managing Director of our Company. He led the company from being a tech driven start up, aspiring to deliver social impact, into an award winning financial services firm that is delivering social impact at scale along with robust financial returns.

He started his long career in Banking and Financial services with the Hongkong and Shanghai Banking Corporation Limited in 1988. He was associated with Standard Chartered Bank, both in India and UAE and later served as a Vice President in HDFC Bank heading the direct banking business. He was part of the leadership team in the Personal Financial Services division of ICICI Limited responsible for launching all retail asset products including automobile finance, home finance, consumer durables finance, and personal loans. He also served as Senior Vice President – Customer Operations & Service Delivery at Max New York Life Insurance Company Limited. Prior to being associated with Aye Finance, he served as the CEO of Tamweel International, a division of Tamweel PJSC, a UAE based mortgage company.

He is an alumnus of IIT-Bombay and IIM-Bangalore.

INDEPENDENT DIRECTOR

Sanjaya Gupta

Appointed as Independent Director in September 2023.

Mr. Sanjaya Gupta is a banking professional with over 35 years of extensive experience in leading high performing professional teams. His expertise lies in evaluating business opportunities, and developing strategic business plans. He served as the MD & CEO of PNB Housing Finance Limited from 2010 to 2020. Prior to that, he was the Co-founder and non-executive chairman of India Shelters.

As MD designate of a four-way joint venture between AIG Inc., National Housing Bank (regulator), International Finance Corporation (IFC) and Asian Development Bank (ADB) he conceptualized the first mortgage guaranty product in India.

He has been engaged with the RBI in drafting the regulations in 2007 in alignment with BASEL II regulations of the country. His Business Process Re-engineering (BPR) and change management work at PNB HFL was published as a turn-around story by Bloomsbury. He was awarded the “Economic Times Most Promising Business Leader Asia 2018-19”

Sanjaya is B.Com, and MBA, specializing in Finance and Marketing, from the University of Lucknow.

Independent Director

Vinay Baijal

Appointed as Independent Director in August 2024.

He is a distinguished industry professional who has served as a Chief General Manager at RBI. As CGM, Foreign Exchange Department, he played a crucial role in policy framing and implementation of exchange control in India. He has also contributed to drafting Rules and Regulations under FEMA. He set up the Banking Codes and Standards Board of India (BCSBI) and served as its first CEO.

He has served as a member of the World Bank Task Force on International Standards on Credit Data Reporting as well as of the National Core Committee to deal with FATF Assessment of India in 2009

Independent Director

Kanika T. Bhal

Appointed as Independent Director in September 2023.

Prof. Bhal is the Modi Chair Professor at the Department of Management Studies at IIT Delhi. An expert in behavioural sciences in general and leadership in particular, she is a visiting fellow at Sloan School of Management, MIT. She has published over 100 articles in national and international journals and is on the editorial boards of national and international journals. She has authored books on leadership, culture and ethics. She has done sponsored research for several nationally and internationally funded (with Fordham University and Wharton Business School) projects. She has been a consultant to various government organizations and is often invited as an expert to serve on government committees.

She has been conferred with several awards and is given the honor of Professor Honorable by Tshwane Institute of Technology, South Africa.

Prof. Bhal is a Ph.D. from IIT Kanpur.

Independent Director

Padmaja Nair

Appointed as Independent Director in October 2024.

Padmaja Nair has 36 years of retail and corporate banking experience working with India’s premier bank, State Bank of India. She has extensive experience in credit and risk assessment of large corporates as well as SMEs.

As Senior Vice President of SBI’s investment banking arm -SBICAPS,  she raised capital through public issues, debt syndication, private equity and managed debt restructuring. In her role as General Manager of the Financial Institutions Business Unit, she was responsible for conceptualising and designing products focused on cash management and treasury needs for financial institutions.

She also led the Bank’s CSR strategy, launching impactful social initiatives. She established the Centre of Excellence for Persons with Disabilities (PwDs) at the SBI Foundation and served as its Advisor until December 2019. She also conceptualized Project SAMEIP with Microsoft India to promote PwD hiring.

She is an alumnus of Lady Shri Ram College and is a post-graduate in History from Delhi University.

IMP2 Assets Pte. Ltd. (ABC Group)

Aditya Misra

Appointed as Nominee Director in September 2024.

Aditya Misra is a Director at ABC Impact, private equity firm focused on impact and a member of Temasek Trust Asset Management. Aditya’s current mandate is to lead India investments for the firm across financial services and other sectors of interest.

Prior to ABC Impact, Aditya was a Director at Omidyar Network India, a global impact investment firm, and led investments across several domains including financial services. Previously, he was co-founder of Focus Analytics, a technology company, and a consultant with A.T. kearney.

Aditya holds a B.Tech from Indian Institute of Technology, Bombay.

MANAGEMENT

MANAGING DIRECTOR

Sanjay Sharma
Deputy Chief Executive Officer

Niraj Kaushik
Chief Operating Officer

Ujual George
Chief Financial Officer

Krishan Gopal
Chief Technology Officer

Jinu Joseph

MANAGING DIRECTOR

Sanjay Sharma

Sanjay Sharma is the founder and Managing Director of our Company. He led the company from being a tech driven start up, aspiring to deliver social impact, into an award winning financial services firm that is delivering social impact at scale along with robust financial returns.

He started his long career in Banking and Financial services with the Hongkong and Shanghai Banking Corporation Limited in 1988. He was associated with Standard Chartered Bank, both in India and UAE and later served as a Vice President in HDFC Bank heading the direct banking business. He was part of the leadership team in the Personal Financial Services division of ICICI Limited responsible for launching all retail asset products including automobile finance, home finance, consumer durables finance, and personal loans. He also served as Senior Vice President – Customer Operations & Service Delivery at Max New York Life Insurance Company Limited. Prior to being associated with Aye Finance, he served as the CEO of Tamweel International, a division of Tamweel PJSC, a UAE based mortgage company.

He is an alumnus of IIT-Bombay and IIM-Bangalore.

Deputy Chief Executive Officer

Niraj Kaushik

Niraj is the Deputy Chief Executive Officer and is responsible for overseeing Distribution and Collection across India. He has an exceptional track record in managing Credit & Risk, Risk Analytics and Sales Functions in Banking and Financial Services Industry.

Prior to joining our Company, he was Executive Vice President and Head-Central Underwriting with Religare Finvest Limited and National Head-Credit PSBL at Bajaj Financial Services Limited. In the past he has also been associated with Royal Bank of Scotland N.V, Larsen & Toubro Limited and ICICI Personal Financial Services Limited.

Niraj is an alumnus of IMT Ghaziabad and holds a BE from Malaviya National Institute of Technology Jaipur.

Chief Operating Officer

Ujual George

As the Chief Operating Officer, Ujual is responsible for overseeing Operations, Customer Service, Tele Sales, Tele Collections and Information Technology functions. He has deep expertise in driving enterprise-wide change programs, setting up and scaling up operations, customer experience management, Information Technology and risk management.

Prior to Aye Finance, he served on the management committee of RBL Bank as the Chief of Staff and Head of transformation. He has previously been associated with Abu Dhabi Commercial Bank PJSC as Head – Operations & IT and Barclays Bank PLC as COO of CIBWM Operations.

Ujual is an alumnus of Indian Institute of Management Bangalore and is a BSc in Physics.

Chief Financial Officer

Krishan Gopal

Krishan is our Chief Financial Officer and is responsible for overseeing Corporate Finance, Treasury, Accounting, Investor Relations and  Financial & Regulatory reporting. His expertise lies in fund raising, Strategic Planning, Budgeting, Compliances and Investor Relations.

Prior to joining Aye Finance, he worked as the Group Chief Financial Officer at DMI Finance Private Limited and as Chief Financial Officer at Satin Creditcare Network Limited. He has also been associated with Price Waterhouse, Deloitte Haskins & Sells and PNB Housing Finance Limited.

Krishan is a Chartered Accountant and holds a Bachelors in Commerce from University of Delhi.

Chief Technology Officer

Jinu Joseph

As the Chief Technology Officer, Jinu Joseph leads our Information Technology function. He oversees all technology functions including Core Business Applications, Infrastructure and Technology Governance and Risk. He is well experienced in IT Transformation, Product Development and Enterprise level Program Management. 

Prior to Aye Finance, he served as Senior Vice President Information Technology in IDFC First Bank and as Head of IT in Abu Dhabi Commercial Bank PJSC. He has previously been associated with Barclays Bank PLC, Accenture Services Private Limited, IBM India Private Limited, Polaris Software Lab Limited and Citicorp Overseas Software Limited.    

Jinu has a BE in Electronics & Communication and an MBA in Systems Management.