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 Producers 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 on 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 heads the organization and directly oversees its business strategy. As a co founder, he has led the company from 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 is an accomplished leader in Consumer Banking with over 34 years of experience. He pioneered direct banking channels in HSBC and HDFC Bank and was part of the leadership team that launched consumer lending business at ICICI in 1999. Led the Life Insurance Underwriting, Claims, Operations & Service teams at Max New York Life Insurance Co. Set up Tamweel PJSC and grew it into the largest housing finance company in UAE with over USD 3bn in assets. As its CEO-International, won the Best Mortgage Bank Award from Banker Middle East and 4th most admired Financial Institution in the Region Award from Gulf Business.
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 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
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.
Elevation Capital
Vivek Mathur
Appointed as Nominee Director in June 2016.
He joined Elevation Capital (erstwhile SAIF) in 2011. He assists portfolio companies scale by working with them on matters such as finance, operations, compliance, and structuring. Prior to this, he was the Head of the India Contact Centres for Dell Inc. He has also served as the CFO for Standard Chartered India and the Wholesale Bank at ANZ Grindlays India.
Vivek holds a degree in Chemical Engineering from BITS Pilani and an MBA from the University of Iowa.
Alpha Wave
Navroz Darius Udwadia
Appointed as Nominee Director in March 2019.
He is the Chief Executive Officer, Co-Founder and Partner at Alpha Wave (erstwhile Falcon Edge Capital, LP). Prior to this he worked with Eton Park specializing in emerging markets. Before that he with JP Morgan (private equity) and Goldman Sachs, in the Financial Institutions
He is a graduate from Columbia University (BA, English), has a law degree (MA, Law) at Oxford University and is an MBA from Harvard Business School.
Lightrock India
Kartik Srivatsa
Appointed as Nominee Director in February 2020
He is the Managing Partner India and Chief Strategy Officer of Lightrock. He is the founding partner of Lightrock India, formerly Aspada. He also acts as the fund advisor for the SONG Fund through Aspada Capital Advisors. Formerly he was with Lightspeed Venture Partners, a global venture capital firm with over $2 billion under management. Prior to this Kartik was a Management Consultant with McKinsey and Company.
He is a graduate of the Indian Institute of Technology (IIT), Madras.
A91 Partners
Kaushik Anand
Appointed as Nominee Director in October 2020.
He is a Partner at A91 Partners, a venture capital focused on growth stage companies. Previously, he was Head of India Investments at CapitalG (formerly Google Capital) where he focused on technology and financial services businesses. At CapitalG, he led investments in Aye Finance, Cardekho, Freshworks and Cuemath. He was previously at Sequoia Capital India and McKinsey & Co.
He is an alumnus of Harvard Business School and IIT Madras.
BRITISH INTERNATIONAL INVESTMENT
Gaurav Malhotra
Appointed as nominee Director in June 2024
Gaurav Malhotra is Director and Head for Financial Services Equity at British International Investment (BII). BII is the UK’s development finance institution and impact investor with a mission to help solve the biggest global development challenges by investing patient, flexible capital to support private sector growth and innovation.
Prior to BII, Gaurav worked for Escorts Limited heading strategy and business planning and prior to that he was a Principal for the leading strategy consulting firm BCG in India.
Gaurav holds a PGDM from the Indian Institute of Management Bangalore and B. Engineering from Delhi College of Engineering.
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 of the National Core Committee to deal with FATF Assessment of India in 2009
IMP2 Assets Pte. Ltd. (ABC Group)
Aditya Misra
Appointed as Nominee Director in September 2024.
Aditya Misra is 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.I. Kearney.
Aditya holds a B.Tech from Indian Institute of Technology, Bombay.
MANAGEMENT
MANAGING DIRECTOR
Sanjay Sharma
Sanjay heads the organization and directly oversees its business strategy. As a co founder, he has led the company from 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 is an accomplished leader in Consumer Banking with over 34 years of experience. He pioneered direct banking channels in HSBC and HDFC Bank and was part of the leadership team that launched consumer lending business at ICICI in 1999. Led the Life Insurance Underwriting, Claims, Operations & Service teams at Max New York Life Insurance Co. Set up Tamweel PJSC and grew it into the largest housing finance company in UAE with over USD 3bn in assets. As its CEO-International, won the Best Mortgage Bank Award from Banker Middle East and 4th most admired Financial Institution in the Region Award from Gulf Business.
He is an alumnus of IIT-Bombay and IIM-Bangalore
Deputy Chief Executive Officer
Niraj Kaushik
As the Deputy Chief Executive Officer, Niraj is responsible for the business growth of the company along with ensuring superlative portfolio quality. He manages our Distribution and Collections functions across India.
He has over 25 years of exceptional track record in managing Credit & Risk, Risk Analytics, Sales and Distribution functions in Banking and Financial Services Industry. He has worked in reputable organizations in the industry like Larsen & Toubro, ICICI, ABN Amro Bank and later RBS. He was the Head of Credit for unsecured SME and Professional loans in Bajaj Finance Ltd. and the EVP – Head of Central Underwriting and Risk Intelligence Unit for secured, unsecured and short-term trade finance for SME at Religare Finvest Ltd before joining Aye Fin.
Niraj is an alumnus of IMT Ghaziabad and is an engineer from REC, Jaipur
Chief Operating Officer
Ujual George
As the Chief Operating Officer, Ujual is responsible for driving operational transformation focusing on sustainable growth and leveraging technology effectively. At Aye Finance he brings in a comprehensive perspective on all the risks that are faced by the Company and directs our efforts towards keeping them under control. He oversees diverse business operations of the organization spanning Risk, Information Technology, Human Resources and Business Excellence.
He has held various leadership positions in his career of over 25 years in banking and financial services. He has deep expertise in driving enterprise-wide change programs, setting up and scaling up operations, customer experience management, Information Technology and risk management. At RBL Bank, he served on the Management Committee and led the transformation agenda of the bank. He has been associated with leading financial services institutions like Barclays Bank, Abu Dhabi Commercial Bank, ICICI and HSBC in various leadership roles.
Ujual is an alumnus of Indian Institute of Management Bangalore and is a BSc in Physics.
Chief Financial Officer
Krishan Gopal
As Chief Financial Officer, Krishan is responsible for leading our Corporate Finance, Treasury, Investor Relations, Accounting functions and strengthening the financial and regulatory reporting. He carries the responsibility for financial control to ensure optimal cost-benefit outcomes for the organization.
He has two decades of experience in various roles at Price Waterhouse, Deloitte, PNB Housing, Satin Creditcare and DMI Finance. Besides his considerable experience in fund raising, his expertise lies in Strategic Planning, Budgeting, Compliances and Investor Relations.
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 our initiatives to create a an integrated and secure ecosystem that leverages big data, analytics, cloud, and mobility to deliver our business strategy. He is responsible to keep our technology stack agile, scalable and fit for purpose.
Jinu is a Senior Technology professional with over 25 years of experience in the financial services sector spanning IT Transformation, Product Development and Implementation and Enterprise level Program Management. Jinu has worked with COSL, Polaris, Accenture, and IBM. He led the Cash Management technology at Barclays, Information Technology at ADCB, and Transaction Banking at IDFC First.
Jinu has a BE in Electronics & Communication, MBA in Systems Management & PGP in Cloud Computing.