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Dr. Megha Bhargava is a 2012 batch officer of the Indian Revenue Service (Income Tax) and a seasoned finance and taxation professional with over a decade of experience in tax administration.
She has held critical postings in Mumbai—India’s financial capital—and Madhya Pradesh, across core domains such as International Taxation, the Investigation Wing, and corporate taxation. She holds an MPhil in Public Policy from the University of Cambridge, United Kingdom. Beyond the civil service, she is associated with Samarpan, an NGO recognized nationally and internationally for its innovative, impact-driven work in rural education, menstrual hygiene, clean water, and solar energy.
In recognition of her contributions both in service and beyond, she was awarded the Finance Minister’s Certificate of Excellence and India UK Honours Award by the British Council. As a finance professional, policymaker, and social impact leader, she brings a holistic, grounded, and future-facing perspective on taxation, financial governance, and inclusive development.
Deputy Director General (Joint Secretary Level) Ministry of Communications Government of India
Sumnesh Joshi is an officer from Indian Telecom Service Cadre and at present is posted as Deputy Director General, at Joint Secretary level in Ministry of Communications at DoT Mumbai. He is working in area of communication expanding 5G use cases, IoT and implementation of policies to ensure smooth roll out of telecom network by service providers. He has also been made Nodal officer for monitoring of 4G network saturation Project in East and West region of the country. He is working to make digital ecosystem partners like Fintechs, Banks, state government departments to make use of Digital Public Good Infrastructure and use AIML to curb the cyber threats.
He worked with UIDAI as a first officer at UIDAI Regional Office Mumbai in April 2010 as a part of the founding team under leadership of Nandan Nilekani. He was instrumental to roll out the implementation of biometric based Digital Identity “Aadhaar” project in Maharashtra, Gujarat, Goa, Dadra Nagar Haveli and Daman Diu. He worked with the Aadhaar Eco System Partners like State Governments, Regulators, Banks, Insurance Companies and Fintech Companies and guiding them in designing the solutions for the convenient delivery of various services using “Aadhaar”.
He facilitated the use of Aadhaar - a Digital Identity Platform in E-Governance for Targeted Delivery of Services and Benefits. He also headed Enrolment & Update vertical of UIDAI PAN India. He was in various committees to look into the Strengthening of Aadhaar Enrolment Processes, Revisiting the regulations and SoPs, Automation of various Processes and Universal Client for Enrolment & Update.
Joshi is an officer of 1993 Batch of Indian Telecom Service and has over 25 years of experience at various positions in Government of India. Earlier years of his career he worked with Department of Telecommunications, Government of India and was involved in Telecom Traffic Planning, Data Analytics, Project implementation, Marketing of Services, Market Strategies, Market Intelligence, Product Development and Brand building.
Joshi is an expert in DPI implementation, use of telecom, cyber security strategies, data analytics and speaking at various forums on digital identity, Fintech, data centres, AI, cyber security, ESG at international and national level. He delivered a TEDx talk on India’s digital identity.
Joshi did his engineering in Electronics & Communications from Rajasthan Technical University Kota Rajasthan India. He holds MicroMasters in Data Economics and Development Policy from Massachusetts Institute of Technology, USA. He pursued a Certificate course in Public Policy from University of California Berkeley and MBA from the Management Development Institute Gurgaon, India.
Deputy Director General (DDG) Unique Identification Authority of India
Manish Bhardwaj belongs to the 1997 batch of the Indian Administrative Service (IAS) of the Gujarat Cadre. He holds M. Tech in Optical Fiber Communication from IIT, Delhi and BE in Electronics & Communication from University of Roorkee (now IIT, Roorkee). Manish Bhardwaj has over 26 years of rich experience of public service in various positions in the State & Central Government with exposure to Urban Governance, Finance, Technical & Vocational Education, Revenue Administration, and Developmental Administration & Census.
He has been instrumental in policy formulation and decision making at various levels during his tenure. He is presently serving as Deputy Director General, UIDAI- Head Quarter, New Delhi, India from 25 September 2023. He has been pivotal in strengthening the Aadhaar Authentication Ecosystem, especially in shaping the groundbreaking AI-ML innovation of Aadhaar Face Authentication, which has simplified the authentication process, especially for the disabled, elderly, and physically demanding professions.
Under his directions, UIDAI's Aadhaar Face Authentication has been recognized for its potential and has been awarded at several platforms:
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.
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".
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).
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.
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.
Head of Products & Digital Solutions, RBIH
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.
Managing Director and Senior Partner, Head of Risk and Compliance, Asia Pacific, BCG
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.
Chief Strategy Officer at SMFG India Credit
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.
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.
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.
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.
Head of Corporate Strategy & Collection Analytics at KISSHT
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.
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.
Key Achievements:
SVP & Head Special Assets Unit at Unity Small Finance Bank Limited
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.
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.
Managing Partner, DSA Legal
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”.
Former Chairman AUSFB and CMD National Housing Bank.
Housing/Mortgage Industry Professional with over 35 years of experience in the mortgage and financial sector.
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.
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.
Chief Risk Officer at International Financial Services Centres Authority
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.
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.
Head B2C - Digital Lending at Aditya Birla Capital
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.
CEO & Co-founder at Alohaa.ai
Chief Audit Executive at IIFL Finance
