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Suryanarayan Sharma
Managing Director & CEO | KMHF Services
Professional Summary:
Suryanarayan Sharma, with over 30 years of experience in the financial services industry, is a visionary leader and a strategic executive. As the Managing Director & CEO of KMHF Services, he has successfully navigated the company through a rapidly evolving financial landscape, ensuring continued growth and stability. His leadership is defined by his strong financial acumen, risk management expertise, and ability to develop innovative financial solutions that cater to the diverse needs of the company’s clientele. Under his leadership, KMHF Services has established itself as a market leader in the NBFC sector.
Education:
- Master of Business Administration (MBA)
Harvard Business School, USA – Graduated in 1993 - Bachelor of Commerce (B.Com)
St. Xavier’s College, Mumbai, India – Graduated in 1988
Professional Experience:
Managing Director & CEO | KMHF Services
2015 - Present
- Overseeing all strategic operations and management of KMHF Services, an NBFC leader providing innovative financial solutions.
- Successfully navigated the company through industry changes and technological advancements to maintain market leadership.
- Spearheaded the expansion of the company's services, building strong client relationships and enhancing customer satisfaction through personalized financial solutions.
- Established new business opportunities and strategic partnerships, resulting in significant market growth.
Senior Vice President – Operations | ICICI Bank Limited
2005 - 2015
- Managed large-scale operations across various divisions, ensuring the smooth functioning of the bank’s financial products and services.
- Led process optimization strategies, which resulted in a 40% reduction in operational costs and a 25% increase in customer satisfaction.
- Developed and launched new financial products that contributed to the bank’s revenue growth.
Assistant Manager – Finance | HDFC Ltd.
1995 - 2005
- Responsible for financial analysis, risk management, and budgeting for various financial products, ensuring compliance with industry regulations.
- Played a key role in the launch of multiple loan products that expanded the company’s portfolio.
- Developed relationships with key clients, which helped in driving significant business growth and revenue generation.
Skills:
- Strategic Financial Planning & Analysis
- Corporate Leadership & Team Management
- Risk Management & Regulatory Compliance
- Business Development & Market Expansion
- Financial Product Innovation & Development
- Client Relationship & Stakeholder Engagement
- Investment Strategy & Portfolio Management
Certifications:
- Chartered Financial Analyst (CFA) – Certified in 1997
- Financial Risk Manager (FRM) – Certified in 2000
- Certified Public Accountant (CPA) – Certified in 1996
Awards & Recognition:
- Top 100 CEOs in Financial Services – Awarded by Financial Services Excellence, 2020
- Best NBFC Leadership Award – Presented by Finance Leaders Forum, 2018
- Outstanding Contribution to Financial Inclusion – Awarded by Indian Banking Association, 2016
Personal Interests:
- Actively involved in community-based financial literacy programs aimed at empowering under served populations.
- Avid traveler with a passion for learning about diverse cultures and global financial systems.
- Enjoys mentoring emerging financial professionals and leading industry workshops on business strategy and leadership.
- Strong advocate for sustainable business practices and their integration into the financial services sector.
Rudra Singh
Executive Director (Retail Banking) | KMHF Services
Professional Summary:
Rudra Singh is a results-oriented banking professional with 15 years of progressive experience in the retail banking sector. Currently serving as the Executive Director for Retail Banking at KMHF Services, he is responsible for the strategic development and growth of the company’s retail banking segment. Rudra has a proven track record of transforming retail banking operations by driving innovation in product offerings, optimizing customer experiences, and leveraging technology to create value. His strategic leadership has been instrumental in the company’s success in a competitive and evolving financial landscape.
Education:
- Master of Business Administration (MBA)
Indian Institute of Management (IIM), Ahmedabad – Graduated in 2008 - Bachelor of Commerce (B.Com)
Delhi University, Delhi, India – Graduated in 2003
Professional Experience:
Executive Director (Retail Banking) | KMHF Services
2018 - Present
- At the forefront of developing and executing strategies that align with KMHF Services' vision for retail banking excellence.
- Led the creation and launch of multiple high-impact retail banking products tailored to the needs of a diverse customer base.
- Instrumental in enhancing digital banking capabilities, driving customer adoption of online and mobile platforms.
- Focused on building a customer-centric culture that emphasizes innovation, personalized service, and seamless customer journeys.
Vice President – Retail Banking | Axis Bank
2011 - 2018
- Directed key initiatives to expand the bank's retail offerings, leading to significant growth in customer acquisition and loan portfolio management.
- Developed and introduced a suite of innovative financial products aimed at enhancing customer loyalty and engagement.
- Collaborated across departments to ensure operational efficiency, improve service delivery, and optimize retail banking channels.
Assistant Vice President – Retail Banking | ICICI Bank
2008 - 2011
- Spearheaded new product initiatives in retail banking, delivering high-impact results and contributing to significant revenue growth.
- Focused on enhancing digital banking platforms and improving accessibility for both urban and rural customers.
- Drove customer satisfaction initiatives, with a strong emphasis on feedback loops and continuous service improvement.
Core Competencies:
- Retail Banking Strategy & Transformation
- Digital Banking Integration & Fintech Solutions
- Product Innovation & Customer-Centric Design
- Operational Excellence & Risk Management
- Strategic Partnerships & Business Development
Certifications:
- Certified Retail Banking Professional (CRBP) – Certified in 2010
- Chartered Financial Analyst (CFA) – Certified in 2012
Awards & Recognition:
- Excellence in Retail Banking Leadership – Indian Banking Awards, 2020
- Top 50 Influential Banking Leaders – Banking Today, 2017
- Best Retail Product Innovation – Retail Banking Forum, 2015
Personal Interests:
- Passionate about leveraging technology for financial inclusion and expanding access to banking services.
- Enjoys exploring global travel destinations and learning about diverse cultural approaches to finance.
- Advocates for mentorship and actively contributes to nurturing the next generation of banking leaders.
Charulata Singh
Executive Director (Corporate Centre) | KMHF Services
Professional Summary:
Charulata Singh is a highly accomplished executive with 12 years of progressive experience in corporate management and strategic leadership. As the Executive Director of the Corporate Centre at KMHF Services, Charulata leads the company’s critical corporate functions, including strategic planning, governance, business operations, and cross-functional integration. With a keen understanding of organizational dynamics, she is committed to driving operational excellence, enhancing business performance, and ensuring long-term growth. Known for her strategic mindset and strong leadership, Charulata has played an instrumental role in optimizing corporate processes and aligning business operations with the company’s goals, thereby significantly contributing to KMHF Services’ success in the competitive financial services industry.
Education:
- Master of Business Administration (MBA)
Indian Institute of Management (IIM), Calcutta – Graduated in 2010 - Bachelor of Commerce (B.Com)
University of Mumbai, Mumbai, India – Graduated in 2004
Professional Experience:
Executive Director (Corporate Centre) | KMHF Services
2018 - Present
- Spearheads corporate strategy and oversees the integration of business operations, driving efficiency and cost optimization.
- Leads the development and implementation of strategic initiatives that support the company’s business goals and enhance organizational performance.
- Manages corporate governance and compliance, ensuring the company meets all regulatory requirements while maintaining high ethical standards.
- Develops and fosters relationships with key stakeholders, including board members, senior executives, and external partners, to ensure alignment of corporate strategies and operational objectives.
- Directs cross-functional teams to create synergies across departments, enhancing collaboration and improving overall business outcomes.
- Ensures that the company’s internal controls and risk management processes are effectively implemented and adhered to, minimizing operational risks.
Senior Manager – Corporate Strategy | HDFC Ltd.
2013 - 2018
- Led corporate strategy development and long-term planning initiatives to ensure alignment with the company’s growth objectives.
- Worked closely with executive leadership to define business priorities and identify opportunities for growth in existing and emerging markets.
- Coordinated with various departments to identify inefficiencies, proposing and executing solutions to optimize corporate operations.
- Drove strategic initiatives related to mergers and acquisitions, partnership opportunities, and market expansion.
- Played a pivotal role in developing and executing key performance metrics that measured business unit success and profitability.
Assistant Manager – Business Operations | ICICI Bank
2010 - 2013
- Managed business operations and focused on enhancing internal efficiency across corporate functions, significantly reducing operational costs.
- Led the implementation of new technologies and business processes to streamline operations, driving improvements in service delivery and reducing turnaround times.
- Worked with various departments to create and implement corporate policies ensuring compliance with industry regulations and improving business governance.
- Played an instrumental role in designing and improving customer experience strategies for key banking services, resulting in increased customer satisfaction.
Core Competencies:
- Corporate Strategy & Planning: Expertise in defining, implementing, and monitoring corporate strategies to drive long-term success.
- Operational Excellence: Skilled in optimizing business operations, improving efficiency, and enhancing productivity through streamlined processes.
- Cross-Functional Leadership: Adept at leading diverse teams across multiple functions, fostering collaboration, and driving company-wide initiatives.
- Corporate Governance & Compliance: Deep understanding of regulatory frameworks and a strong track record in ensuring governance and compliance across organizational functions.
- Risk Management: Proficient in assessing and managing operational and business risks, implementing robust risk management frameworks.
- Stakeholder Management: Ability to build and sustain strong relationships with key stakeholders including senior leadership, board members, clients, and external partners.
- Business Process Optimization: Expertise in identifying and resolving inefficiencies, implementing cost-saving measures, and improving organizational performance.
Certifications:
- Certified Management Consultant (CMC) – Certified in 2012
- Chartered Financial Analyst (CFA) – Certified in 2014
- Lean Six Sigma Green Belt – Certified in 2016
Awards & Recognition:
- Leadership Excellence Award – Presented by Corporate Leaders Forum, 2021
- Top 50 Rising Stars in Corporate Strategy – Awarded by Business World, 2017
- Best Corporate Governance Award – Indian Corporate Excellence, 2016
- Strategic Leadership Award – Presented by National Business Summit, 2015
Personal Interests:
- Passionate about mentoring young professionals and encouraging leadership development within corporate environments.
- Strong advocate for sustainable business practices and their integration into corporate strategies.
- Enjoys reading and exploring new ideas related to leadership, organizational behavior, and corporate governance.
- Enthusiastic about global travel, learning from diverse cultures, and exploring how international companies handle corporate strategy and operations.
Jai Pratap
Deputy Managing Director | KMHF Services
Professional Summary:
Jai Pratap is a highly accomplished professional with 17 years of experience in the financial services industry. As the Deputy Managing Director at KMHF Services, Jai has played a pivotal role in shaping the company’s overall strategy, ensuring operational excellence, and leading transformative initiatives. His experience in managing large teams, optimizing business processes, and implementing sound financial strategies has made him a key contributor to the company’s long-term success. Jai’s leadership style focuses on driving efficiency, fostering a high-performance culture, and delivering sustainable results across various business functions.
Education:
- Master of Business Administration (MBA)
Indian Institute of Management (IIM), Bangalore – Graduated in 2006 - Bachelor of Science (B.Sc.)
University of Rajasthan, Jaipur, India – Graduated in 2002
Professional Experience:
Deputy Managing Director | KMHF Services
2017 - Present
- Provides strategic leadership across key business functions, overseeing operations, financial planning, and cross-departmental integration.
- Manages the company's corporate strategy and ensures business operations align with long-term growth objectives.
- Leads initiatives to enhance operational efficiency and reduce costs while ensuring that customer satisfaction and regulatory compliance are prioritized.
- Works closely with the executive team to identify new market opportunities, develop innovative solutions, and drive business transformation.
- Plays a critical role in optimizing resource allocation, ensuring maximum profitability and return on investment.
Director – Corporate Strategy & Operations | Tata Capital
2012 - 2017
- Led strategic planning and business development initiatives that enhanced Tata Capital’s market presence across the retail and corporate sectors.
- Developed and implemented key performance indicators (KPIs) to assess the success of various business units and drive operational improvements.
- Spearheaded cost optimization strategies, resulting in improved financial performance and enhanced customer experiences.
- Collaborated with senior leadership to build partnerships and foster growth opportunities in emerging markets.
- Drove large-scale organizational transformation projects aimed at improving internal processes and aligning them with the company’s strategic goals.
Senior Manager – Business Operations | Bajaj Finance
2007 - 2012
- Managed day-to-day business operations across various product lines, ensuring that processes were efficient and aligned with company objectives.
- Played a key role in improving operational workflows, implementing cost-saving measures, and driving service excellence.
- Worked closely with the operations team to ensure that all policies and procedures were followed to maintain compliance and minimize risk.
- Successfully introduced a series of initiatives aimed at improving customer acquisition and retention rates, resulting in increased profitability for the company.
- Conducted market research and competitive analysis to identify growth opportunities and recommend new business strategies.
Core Competencies:
- Strategic Leadership & Planning: Expertise in shaping business strategies and ensuring they align with long-term goals.
- Financial Management: Strong background in financial planning, budgeting, and resource allocation to maximize profitability.
- Operations Management: Proficient in managing and optimizing business processes to improve efficiency and reduce costs.
- Cross-Functional Leadership: Skilled in leading cross-functional teams and fostering a collaborative work environment.
- Business Process Optimization: Focused on continuously improving operational processes to drive business results.
- Risk Management: Ability to identify, assess, and mitigate operational risks, ensuring business continuity.
Certifications:
- Certified Financial Planner (CFP) – Certified in 2010
- Project Management Professional (PMP) – Certified in 2012
- Six Sigma Green Belt – Certified in 2014
Awards & Recognition:
- Leadership Excellence Award – Awarded by Corporate Leadership Summit, 2020
- Best Corporate Strategy Initiative – Recognized by the Financial Services Council, 2018
- Excellence in Operational Efficiency – Indian Banking Awards, 2016
Personal Interests:
- Passionate about leadership development and mentoring young professionals in the financial sector.
- Strong advocate for sustainability and responsible business practices in the finance industry.
- Enjoys reading books on strategic management, personal growth, and global financial trends.
- An avid traveler with a keen interest in understanding different cultures and their approach to business.
Arvind Chauhan
Group Executive
(Corporate Relationship Group & Transaction Banking) | KMHF Services
Professional Summary:
Arvind Chauhan is an experienced and results-oriented banking professional with 16 years of expertise in corporate relationships and transaction banking. As the Group Executive at KMHF Services, Arvind is responsible for managing and nurturing key corporate relationships, driving business development in transaction banking services, and optimizing client engagement strategies. Known for his deep understanding of corporate banking, Arvind has successfully led strategic initiatives that have expanded the company’s market share in the corporate banking space. His proficiency in managing complex corporate relationships and delivering tailor-made banking solutions has been instrumental in driving the company’s growth.
Education:
- Master of Business Administration (MBA)
Indian Institute of Management (IIM), Ahmedabad – Graduated in 2007 - Bachelor of Commerce (B.Com)
University of Delhi, Delhi, India – Graduated in 2003
Professional Experience:
Group Executive (Corporate Relationship Group & Transaction Banking) | KMHF Services
2018 - Present
- Leads the Corporate Relationship Group and Transaction Banking divisions, overseeing all client relationships and ensuring high levels of customer satisfaction and business growth.
- Develops and executes strategies to grow transaction banking services and increase the company’s market penetration.
- Drives the development of new business opportunities through strategic partnerships and the acquisition of high-value corporate clients.
- Manages the portfolio of corporate clients, delivering tailored financial solutions, facilitating complex transactions, and ensuring seamless customer experiences.
- Oversees a high-performance team responsible for providing exceptional service and support to key corporate clients.
- Works with senior leadership to align business strategies and achieve overall corporate objectives.
Director – Corporate Banking & Relationship Management | Axis Bank
2012 - 2018
- Managed corporate banking relationships, focusing on key industry verticals and identifying opportunities for growth and expansion.
- Developed and executed strategies for customer acquisition, retention, and portfolio growth in the corporate banking sector.
- Successfully led cross-functional teams to provide end-to-end banking solutions, from cash management services to trade finance and working capital solutions.
- Fostered strong relationships with corporate clients, ensuring that all their banking and financial needs were met with efficiency and professionalism.
- Played a key role in expanding Axis Bank's corporate banking presence in new markets, achieving significant revenue growth.
Manager – Transaction Banking | Standard Chartered Bank
2007 - 2012
- Responsible for managing the transaction banking portfolio, providing a range of services including cash management, payment processing, and trade finance solutions to corporate clients.
- Led the development and execution of transaction banking strategies to improve client engagement and retention.
- Worked closely with relationship managers to design customized financial products and services that catered to the unique needs of corporate clients.
- Collaborated with senior stakeholders to identify and seize business opportunities in the highly competitive transaction banking market.
- Delivered exceptional client service through seamless transactions, ensuring operational efficiency and compliance with regulatory requirements.
Core Competencies:
- Corporate Relationship Management: Expertise in managing high-value corporate relationships, ensuring client satisfaction and loyalty.
- Transaction Banking: Proficient in providing cash management, payment solutions, trade finance, and other banking services for corporate clients.
- Business Development: Strong ability to drive new business opportunities and grow corporate banking portfolios through strategic planning and execution.
- Client-Centric Solutions: Focused on delivering tailor-made financial solutions that meet the specific needs of corporate clients.
- Leadership & Team Management: Skilled in leading and managing high-performing teams that drive business success.
- Strategic Partnerships: Ability to build and sustain long-term relationships with key business partners and stakeholders to ensure mutual growth.
Certifications:
- Certified Treasury Professional (CTP) – Certified in 2011
- Certified Trade Finance Professional (CTFP) – Certified in 2014
- Project Management Professional (PMP) – Certified in 2016
Awards & Recognition:
- Corporate Relationship Excellence Award – Presented by Axis Bank, 2017
- Best Transaction Banking Leader – Awarded by Global Banking Forum, 2015
- Top 100 Banking Leaders in India – Recognized by Banking Today, 2013
Personal Interests:
- A strong advocate for financial literacy, regularly mentoring young professionals and entrepreneurs to help them understand the intricacies of corporate banking.
- Interested in technology and how fintech solutions are reshaping the corporate banking landscape.
- Enjoys traveling, experiencing new cultures, and learning about global banking trends and practices.
- Passionate about fitness and maintaining a balanced work-life lifestyle.
Shamsher Malik
President, SME | KMHF Services
Professional Summary:
Shamsher Malik is an accomplished leader in the financial services sector, with 20 years of experience in the SME (Small and Medium Enterprises) banking industry. As the President, SME at KMHF Services, he has played a pivotal role in driving growth and expansion within the SME sector by offering innovative financial solutions tailored to small and medium-sized businesses. Shamsher has developed strong relationships with clients and guided strategic initiatives to ensure the financial success and sustainability of SMEs. His leadership skills and market knowledge have made him a key player in the banking and financial services industry.
Education:
- Master of Business Administration (MBA)
Indian Institute of Management (IIM), Ahmedabad – Graduated in 2004
Focus: Strategic Management, Corporate Finance - Post Graduate Diploma in Management (PGDM)
Indian School of Business (ISB), Hyderabad – Graduated in 2006
Focus: Business Strategy, Entrepreneurship - Bachelor of Commerce (B.Com)
University of Delhi, Delhi, India – Graduated in 1997
Focus: Accounting, Business Finance
Professional Experience:
President, SME | KMHF Services
2017 - Present
- Leads the company's SME division, focusing on developing new business opportunities and enhancing the company’s product offerings.
- Formulates business strategies to grow the SME customer base, offering financial services like working capital finance, credit lines, and trade finance.
- Works closely with senior leadership to ensure that SME services align with broader company goals and objectives.
- Implements processes to manage risk, reduce costs, and ensure financial sustainability within the SME division.
- Establishes and maintains long-term client relationships, offering expert financial guidance and solutions to businesses.
Senior Vice President – SME Banking | Axis Bank
2011 - 2017
- Managed a diverse portfolio of SME clients, developing customized banking products to address specific financial needs.
- Played a crucial role in expanding Axis Bank’s SME segment by identifying high-growth businesses and offering strategic financial services.
- Built and maintained long-lasting relationships with SME owners and executives, enhancing client satisfaction and retention rates.
- Introduced initiatives to improve customer acquisition and service delivery, resulting in a 30% increase in the SME client base.
- Led teams to streamline SME product offerings and enhance the customer experience, making banking services more accessible to small businesses.
Assistant Vice President – Corporate Banking | YES Bank
2007 - 2011
- Developed and managed corporate banking relationships with mid-market businesses and SMEs, providing comprehensive financial solutions.
- Conducted in-depth financial assessments and credit analysis to make informed decisions regarding loans and credit facilities.
- Provided financial advisory services to help businesses manage cash flow, optimize working capital, and grow their operations.
- Led a team of relationship managers in identifying new business opportunities and improving client retention.
- Worked cross-functionally to launch new SME banking products that enhanced market penetration.
Relationship Manager – Corporate Banking | Standard Chartered Bank
2004 - 2007
- Focused on managing key corporate accounts and providing strategic financial solutions to meet the growing needs of SMEs.
- Developed business strategies to expand the bank's footprint in the SME market by offering competitive lending products.
- Worked with senior bankers to execute financing solutions and manage key business accounts across multiple sectors.
- Enhanced customer satisfaction by addressing the financial needs of businesses and delivering customized banking services.
Core Competencies:
- SME Strategy Development: Expertise in developing business strategies that foster growth and profitability for small and medium-sized businesses.
- Financial Solutions for SMEs: In-depth knowledge of financial products such as loans, credit facilities, working capital management, and trade financing for SMEs.
- Client Relationship Management: Strong background in cultivating lasting relationships with SME clients to understand their needs and deliver tailored financial solutions.
- Risk Management: Skilled in managing credit risk and regulatory compliance within SME banking.
- Team Leadership & Development: Proven success in leading teams and developing talent to meet organizational goals.
- Business Development: Expertise in expanding market share and increasing revenue by identifying and acquiring new SME clients.
Certifications:
- Certified Treasury Manager (CTM) – Certified in 2009
- Certified Risk Manager (CRM) – Certified in 2012
- Certified SME Banker (CSB) – Certified in 2015
Awards & Recognition:
- Excellence in SME Banking Leadership – Awarded by Axis Bank, 2016
- Outstanding Contribution to SME Growth – Awarded by the Indian SME Forum, 2017
- Best Leadership in SME Strategy – Recognized by Standard Chartered Bank, 2015
Personal Interests:
- Passionate about mentoring young entrepreneurs and promoting financial literacy in the SME sector.
- Active participant in various business forums and entrepreneurship seminars focused on the development of small and medium enterprises.
- Enjoys traveling, exploring new markets, and understanding global business trends, especially in the context of SME financing.
- Committed to work-life balance, enjoys fitness activities like hiking and swimming.
Keshav Bhandari
President & Chief Risk Officer | KMHF Services
Professional Summary:
Keshav Bhandari is a dynamic and experienced risk management professional with over 12 years in the financial services sector. As the President & Chief Risk Officer at KMHF Services, Keshav is responsible for overseeing the company’s overall risk management strategy, ensuring robust risk frameworks, and mitigating potential financial, operational, and regulatory risks. His leadership in risk management, combined with a deep understanding of both macroeconomic and microeconomic factors, has been pivotal in driving the company’s growth and sustainability. Known for his sharp analytical skills, Keshav plays an instrumental role in maintaining the organization’s strong risk profile while promoting innovative growth strategies.
Education:
- Master of Business Administration (MBA)
Harvard Business School, USA – Graduated in 2010
Focus: Risk Management, Financial Strategy, Corporate Governance - Bachelor of Science (B.Sc.) in Economics
London School of Economics and Political Science (LSE), UK – Graduated in 2006
Focus: Economics, International Finance - Chartered Financial Analyst (CFA)
CFA Institute, USA – Completed in 2012
Professional Experience:
President & Chief Risk Officer | KMHF Services
2017 - Present
- Leads the company’s overall risk management framework, ensuring alignment with business goals while minimizing potential threats to financial health.
- Develops and implements risk mitigation strategies across various departments, including credit risk, operational risk, and market risk.
- Works closely with senior leadership to identify emerging risks in the financial landscape and recommend proactive measures.
- Oversees a team of risk professionals who conduct regular risk assessments, stress tests, and scenario analyses to ensure the organization’s stability.
- Collaborates with regulators and compliance teams to ensure adherence to industry regulations and standards.
- Responsible for setting the company’s risk appetite and ensuring all projects and initiatives align with risk policies and procedures.
Vice President – Risk Management | ICICI Bank
2012 - 2017
- Played a key role in managing the bank’s risk portfolio, with a focus on credit, market, and operational risks across different business units.
- Conducted thorough risk assessments and stress testing for loan portfolios, ensuring that credit risk was appropriately managed in line with the bank’s risk policies.
- Implemented advanced risk modeling techniques and tools to predict and mitigate financial risks.
- Worked closely with cross-functional teams to develop risk-aware business strategies that maintained profitability while minimizing exposure to volatile market conditions.
- Provided expert advice to senior leadership on matters related to risk management, including regulatory compliance and risk appetite.
Risk Analyst | HDFC Bank
2009 - 2012
- Responsible for analyzing and quantifying risks associated with lending portfolios, including corporate and retail loans.
- Conducted financial modeling and scenario analysis to forecast potential losses under various risk conditions.
- Assisted in the development and implementation of risk management frameworks and policies within the bank’s lending and investment divisions.
- Worked with the credit team to ensure credit risks were adequately assessed and mitigated through proper collateral management and credit policies.
Financial Analyst | JPMorgan Chase & Co.
2007 - 2009
- Worked as part of the risk management team focusing on global market risks and developing strategies to hedge against potential losses in volatile financial markets.
- Performed quantitative analysis to evaluate risk exposure across the firm’s investment portfolios.
- Assisted in preparing risk reports and working with senior risk managers to ensure that the firm’s risk profile remained within acceptable thresholds.
Core Competencies:
- Risk Management Strategy: Expertise in identifying, assessing, and mitigating financial and operational risks to ensure long-term organizational stability.
- Credit Risk Management: Extensive experience in evaluating and managing credit risk, particularly in financial institutions and lending environments.
- Market Risk & Stress Testing: Skilled in conducting market risk analysis and stress testing to assess potential vulnerabilities under various economic conditions.
- Compliance & Regulatory Standards: In-depth knowledge of regulatory requirements and industry standards, including Basel III, IFRS, and other risk management frameworks.
- Data Analytics & Risk Modeling: Proficient in using advanced data analytics and financial modeling tools to forecast and manage risks.
- Leadership & Team Management: Strong leadership abilities with a focus on building and developing high-performance teams in risk management and compliance.
Certifications:
- Chartered Financial Analyst (CFA) – Certified in 2012
- Financial Risk Manager (FRM) – Certified in 2014
- Certified Risk Manager (CRM) – Certified in 2016
Awards & Recognition:
- Outstanding Contribution to Risk Management – Awarded by ICICI Bank, 2015
- Excellence in Financial Risk Leadership – Recognized by the Global Risk Management Forum, 2017
- Risk Management Excellence Award – Presented by HDFC Bank, 2014
Personal Interests:
- Financial Technology (FinTech): Passionate about exploring innovations in FinTech and their potential to reshape risk management in financial services.
- Mentorship: Actively mentors young professionals pursuing careers in risk management and financial services.
- Global Travel: Enjoys traveling and exploring global financial markets and trends, with a focus on emerging economies.
- Sports: Enthusiastic about mountain biking and long-distance running, promoting a balanced lifestyle.
Ranveer Thakur
President & Chief Information Officer | KMHF Services
Professional Summary:
Ranveer Thakur is a seasoned technology leader with over 8 years of experience in the IT sector. As President & Chief Information Officer at KMHF Services, he is responsible for guiding the company’s IT strategy and overseeing technology-driven growth. With a strong background in digital transformation, cyber security, and IT infrastructure management, Ranveer has been instrumental in developing scalable and secure technology solutions that align with the company’s long-term business goals. His leadership in innovation and technology integration has played a crucial role in enhancing business efficiency and customer satisfaction.
Education:
- Master of Science in Information Technology (MSc IT)
Stanford University, USA – Graduated in 2010
Focus: Data Science, Cybersecurity, IT Strategy - Bachelor of Technology (B.Tech) in Computer Science
Indian Institute of Technology (IIT), Delhi, India – Graduated in 2008
Focus: Software Engineering, Network Security - Certified Information Systems Security Professional (CISSP)
(ISC)², USA – Certified in 2014
Professional Experience:
President & Chief Information Officer | KMHF Services
2017 - Present
- Leads the technology strategy for KMHF Services, overseeing IT infrastructure, digital transformation, and cybersecurity measures.
- Responsible for implementing enterprise-level software solutions, leveraging cloud technology and AI to drive business innovation and efficiency.
- Ensures compliance with industry regulations and data protection laws, maintaining a secure and scalable IT ecosystem.
- Guides the development of IT policies and procedures, driving alignment between technology and business goals to enhance overall performance.
- Oversees IT teams, ensuring collaborative efforts across departments to achieve key business objectives through technology.
**Senior IT Manager | Tech Mahindra
2013 - 2017
- Managed multiple IT transformation projects at Tech Mahindra, overseeing the development and deployment of banking solutions for clients.
- Led efforts to integrate core banking systems and digital platforms to improve operational efficiency and customer experience.
- Designed and implemented cloud-based infrastructure solutions that allowed clients to scale their operations effectively.
- Worked closely with the cybersecurity team to enhance data security protocols, ensuring the protection of sensitive financial data.
- Successfully integrated automation into business processes, reducing costs and improving productivity across the board.
IT Consultant | Wipro Limited
2010 - 2013
- Provided strategic IT consulting services to clients in the finance and telecommunications sectors.
- Assisted in the design and implementation of enterprise resource planning (ERP) systems to optimize business operations.
- Led teams that focused on cloud migration, modernizing legacy IT systems, and ensuring seamless data integration.
- Developed and executed robust cybersecurity strategies, ensuring clients’ data was protected against evolving cyber threats.
- Delivered custom solutions for clients to streamline operations, improve internal workflows, and enhance data reporting capabilities.
Core Competencies:
- Digital Transformation: Expertise in leading the implementation of advanced IT systems and solutions such as cloud computing, AI, and machine learning for operational excellence.
- Cybersecurity & Risk Management: Specialized in designing and enforcing strong cybersecurity frameworks, ensuring data protection and regulatory compliance.
- Cloud Computing & IT Infrastructure: Proficient in managing and scaling cloud services and IT infrastructure to support business growth and flexibility.
- IT Strategy & Leadership: Proven ability to align IT strategies with business objectives, driving innovation and improving operational efficiency.
- Project Management: Extensive experience in leading IT projects, ensuring timely and budget-friendly delivery of technology solutions.
- Data Analytics & System Integration: Expertise in integrating complex systems and leveraging data analytics to drive informed decision-making.
Certifications:
- Certified Information Systems Security Professional (CISSP) – Certified in 2014
- Certified Scrum Master (CSM) – Certified in 2016
- AWS Certified Solutions Architect – Certified in 2018
Awards & Recognition:
- Excellence in IT Leadership – Awarded by Tech Mahindra, 2016
- Innovation in Digital Transformation – Recognized by Wipro Limited, 2015
- Top IT Executive of the Year – Awarded by KMHF Services, 2020
Personal Interests:
- Passionate about FinTech innovations, particularly in artificial intelligence, cloud computing, and cybersecurity.
- Actively participates in global technology forums and cybersecurity conferences to stay updated with the latest trends.
- Enjoys traveling to tech hubs across the world, attending hackathons and networking events.
- A fitness enthusiast with a passion for rock climbing and long-distance running, promoting a healthy work-life balance.
Shalini Mehra
Company Secretary | KMHF Services
Professional Summary:
Shalini Mehra is a highly skilled Company Secretary with over 8 years of experience in corporate governance, legal compliance, and strategic advisory. She is responsible for managing regulatory filings, corporate legal matters, and ensuring adherence to statutory requirements within KMHF Services. Shalini is known for her attention to detail and her ability to provide strategic legal guidance on complex business operations. She is committed to fostering transparency and upholding the integrity of corporate structures while ensuring that the organization complies with all relevant laws and regulations.
Education:
- Bachelor of Commerce (B.Com)
University of Delhi, India – Graduated in 2007
Focus: Corporate Law, Financial Management - Associate Company Secretary (ACS)
Institute of Company Secretaries of India (ICSI) – Certified in 2010
Focus: Corporate Governance, Legal Framework, Compliance - Post Graduate Diploma in Corporate Law (PGDCL)
Symbiosis Law School, Pune, India – Graduated in 2012
Focus: Business Laws, Corporate Governance, Mergers & Acquisitions
Professional Experience:
Company Secretary | KMHF Services
2017 - Present
- Responsible for managing the legal and regulatory affairs of KMHF Services, ensuring compliance with all applicable laws, rules, and regulations.
- Provides expert advice on corporate governance, board procedures, and matters related to shareholder meetings and company filings.
- Coordinates with senior leadership to ensure that the company adheres to corporate policies and statutory obligations.
- Acts as a liaison between the board of directors, regulatory authorities, and stakeholders to ensure proper communication and governance practices.
- Prepares and files various statutory documents, including annual reports, financial statements, and regulatory filings.
- Handles all legal documentation related to company mergers, acquisitions, and other corporate restructuring activities.
- Implements best practices in corporate governance and compliance, aligning business practices with legal requirements.
**Assistant Company Secretary | Larsen & Toubro Limited (L&T)
2013 - 2017
- Assisted in managing the legal and secretarial functions of Larsen & Toubro, a multinational conglomerate, ensuring compliance with various regulatory frameworks.
- Supported the company’s board in ensuring that all corporate actions, resolutions, and shareholder meetings were conducted in line with corporate law.
- Played a key role in corporate governance activities, providing advice on the best governance practices, board management, and compliance with laws and regulations.
- Managed all aspects of regulatory filings, ensuring timely and accurate submissions of documents required by the Registrar of Companies (RoC), Stock Exchanges, and other regulatory bodies.
- Assisted in the documentation and filing of resolutions, reports, and other governance-related paperwork.
- Advised senior leadership on the legal implications of business decisions, including corporate restructuring, joint ventures, and mergers.
**Company Secretary Trainee | KPMG India
2010 - 2013
- Gained hands-on experience in corporate law, governance, and compliance matters while working with the KPMG India legal team.
- Assisted in conducting due diligence and preparing reports related to mergers and acquisitions, legal audits, and compliance assessments.
- Worked on regulatory compliance tasks, including the preparation of board resolutions, filing annual returns, and managing legal documentation.
- Supported clients with the drafting and review of corporate documents such as agreements, contracts, and policy frameworks.
Core Competencies:
- Corporate Governance: Expertise in ensuring best practices in governance and managing board procedures and shareholder communication.
- Legal Compliance: Deep understanding of regulatory compliance requirements, including filings with statutory bodies and adhering to company law regulations.
- Corporate Secretarial Services: Proficient in handling corporate documentation, managing regulatory filings, and advising on legal structures.
- Mergers & Acquisitions: Experience in managing legal documentation and compliance during corporate restructuring, mergers, and acquisitions.
- Contract Management: Skilled in reviewing, drafting, and negotiating contracts to ensure legal and business objectives are met.
- Stakeholder Management: Experienced in liaising with senior leadership, regulatory authorities, and stakeholders to ensure transparent communication and compliance.
Certifications:
- Associate Company Secretary (ACS) – Institute of Company Secretaries of India (ICSI), 2010
- Certified Governance Professional – International Corporate Governance Network (ICGN), 2015
- Certificate in Mergers & Acquisitions – Harvard Law School, 2017
Awards & Recognition:
- Excellence in Corporate Governance – Awarded by Larsen & Toubro Limited, 2016
- Best Corporate Secretary of the Year – Recognized by KMHF Services, 2020
- Outstanding Contribution to Legal Compliance – Awarded by KPMG India, 2012
Personal Interests:
- Passionate about corporate law, regulatory affairs, and corporate governance best practices.
- Actively participates in webinars and seminars related to company secretarial practices, governance, and legal frameworks.
- Enjoys reading books on business law, leadership, and corporate strategy.
- Enjoys traveling, exploring new cultures, and engaging in volunteer work related to women’s empowerment and corporate transparency initiatives.
Shalini Mehra
Company Secretary | KMHF Services
Professional Summary:
Shalini Mehra is a highly skilled Company Secretary with over 8 years of experience in corporate governance, legal compliance, and strategic advisory. She is responsible for managing regulatory filings, corporate legal matters, and ensuring adherence to statutory requirements within KMHF Services. Shalini is known for her attention to detail and her ability to provide strategic legal guidance on complex business operations. She is committed to fostering transparency and upholding the integrity of corporate structures while ensuring that the organization complies with all relevant laws and regulations.
Education:
- Bachelor of Commerce (B.Com)
University of Delhi, India – Graduated in 2007
Focus: Corporate Law, Financial Management - Associate Company Secretary (ACS)
Institute of Company Secretaries of India (ICSI) – Certified in 2010
Focus: Corporate Governance, Legal Framework, Compliance - Post Graduate Diploma in Corporate Law (PGDCL)
Symbiosis Law School, Pune, India – Graduated in 2012
Focus: Business Laws, Corporate Governance, Mergers & Acquisitions
Professional Experience:
Company Secretary | KMHF Services
2017 - Present
- Responsible for managing the legal and regulatory affairs of KMHF Services, ensuring compliance with all applicable laws, rules, and regulations.
- Provides expert advice on corporate governance, board procedures, and matters related to shareholder meetings and company filings.
- Coordinates with senior leadership to ensure that the company adheres to corporate policies and statutory obligations.
- Acts as a liaison between the board of directors, regulatory authorities, and stakeholders to ensure proper communication and governance practices.
- Prepares and files various statutory documents, including annual reports, financial statements, and regulatory filings.
- Handles all legal documentation related to company mergers, acquisitions, and other corporate restructuring activities.
- Implements best practices in corporate governance and compliance, aligning business practices with legal requirements.
**Assistant Company Secretary | Larsen & Toubro Limited (L&T)
2013 - 2017
- Assisted in managing the legal and secretarial functions of Larsen & Toubro, a multinational conglomerate, ensuring compliance with various regulatory frameworks.
- Supported the company’s board in ensuring that all corporate actions, resolutions, and shareholder meetings were conducted in line with corporate law.
- Played a key role in corporate governance activities, providing advice on the best governance practices, board management, and compliance with laws and regulations.
- Managed all aspects of regulatory filings, ensuring timely and accurate submissions of documents required by the Registrar of Companies (RoC), Stock Exchanges, and other regulatory bodies.
- Assisted in the documentation and filing of resolutions, reports, and other governance-related paperwork.
- Advised senior leadership on the legal implications of business decisions, including corporate restructuring, joint ventures, and mergers.
**Company Secretary Trainee | KPMG India
2010 - 2013
- Gained hands-on experience in corporate law, governance, and compliance matters while working with the KPMG India legal team.
- Assisted in conducting due diligence and preparing reports related to mergers and acquisitions, legal audits, and compliance assessments.
- Worked on regulatory compliance tasks, including the preparation of board resolutions, filing annual returns, and managing legal documentation.
- Supported clients with the drafting and review of corporate documents such as agreements, contracts, and policy frameworks.
Core Competencies:
- Corporate Governance: Expertise in ensuring best practices in governance and managing board procedures and shareholder communication.
- Legal Compliance: Deep understanding of regulatory compliance requirements, including filings with statutory bodies and adhering to company law regulations.
- Corporate Secretarial Services: Proficient in handling corporate documentation, managing regulatory filings, and advising on legal structures.
- Mergers & Acquisitions: Experience in managing legal documentation and compliance during corporate restructuring, mergers, and acquisitions.
- Contract Management: Skilled in reviewing, drafting, and negotiating contracts to ensure legal and business objectives are met.
- Stakeholder Management: Experienced in liaising with senior leadership, regulatory authorities, and stakeholders to ensure transparent communication and compliance.
Certifications:
- Associate Company Secretary (ACS) – Institute of Company Secretaries of India (ICSI), 2010
- Certified Governance Professional – International Corporate Governance Network (ICGN), 2015
- Certificate in Mergers & Acquisitions – Harvard Law School, 2017
Awards & Recognition:
- Excellence in Corporate Governance – Awarded by Larsen & Toubro Limited, 2016
- Best Corporate Secretary of the Year – Recognized by KMHF Services, 2020
- Outstanding Contribution to Legal Compliance – Awarded by KPMG India, 2012
Personal Interests:
- Passionate about corporate law, regulatory affairs, and corporate governance best practices.
- Actively participates in webinars and seminars related to company secretarial practices, governance, and legal frameworks.
- Enjoys reading books on business law, leadership, and corporate strategy.
- Enjoys traveling, exploring new cultures, and engaging in volunteer work related to women’s empowerment and corporate transparency initiatives.
Ranveer Thakur
President & Chief Information Officer | KMHF Services
Professional Summary:
Ranveer Thakur is a seasoned technology leader with over 8 years of experience in the IT sector. As President & Chief Information Officer at KMHF Services, he is responsible for guiding the company’s IT strategy and overseeing technology-driven growth. With a strong background in digital transformation, cyber security, and IT infrastructure management, Ranveer has been instrumental in developing scalable and secure technology solutions that align with the company’s long-term business goals. His leadership in innovation and technology integration has played a crucial role in enhancing business efficiency and customer satisfaction.
Education:
- Master of Business Administration (MBA), Marketing
Indian Institute of Management (IIM), Ahmedabad, India – Graduated in 2010
Focus: Marketing Strategy, Business Development, Brand Management - Bachelor of Commerce (B.Com)
University of Mumbai, India – Graduated in 2008
Focus: Business Management, Accounting, Finance
Professional Experience:
Head – Business | KMHF Services
2019 - Present
- Leads the company’s business development efforts by identifying new business opportunities, expanding existing client relationships, and driving revenue growth.
- Formulates and executes strategic business plans to improve profitability and market presence.
- Responsible for creating and maintaining partnerships with key clients, ensuring that business needs and expectations are met in a timely and cost-effective manner.
- Analyzes market trends and competitor activity to identify potential areas of growth, recommending new initiatives for market penetration.
- Works cross-functionally with other departments such as marketing, finance, and operations to align strategies and improve business performance.
- Oversees budgeting and forecasting to ensure business objectives are achieved within financial constraints.
**Business Development Manager | Bajaj Finserv
2016 - 2019
- Spearheaded business development initiatives, driving partnerships with financial institutions and expanding the customer base for Bajaj Finserv.
- Managed key relationships with existing clients, identifying their needs and offering customized financial solutions.
- Played a key role in developing new product offerings, providing strategic insights into market demands and customer preferences.
- Conducted competitive analysis to determine gaps in the market and recommended strategic actions to enhance Bajaj Finserv’s competitive edge.
- Collaborated with cross-functional teams to develop marketing and sales strategies that increased product adoption.
- Developed and implemented business strategies that contributed to a 15% increase in overall revenue.
**Business Analyst | Reliance Industries Limited
2013 - 2016
- Worked closely with senior management to analyze market dynamics, business performance, and customer insights, providing actionable recommendations.
- Assisted in the development of business strategies and operational plans, contributing to cost-cutting initiatives and optimizing processes.
- Coordinated with sales teams to monitor business performance and identify opportunities for improvement.
- Performed competitive analysis and market research to assess emerging trends, identifying potential business opportunities in the industry.
- Supported in product development and market launch, ensuring alignment with business objectives and customer expectations.
Core Competencies:
- Business Strategy & Development: Expertise in crafting business strategies that drive growth and increase market share.
- Client Relationship Management: Strong interpersonal skills and experience in building and maintaining long-term business relationships with key stakeholders.
- Market Research & Analysis: Proficient in analyzing market trends, competitor performance, and customer needs to identify new business opportunities.
- Revenue Generation & Growth: Track record of meeting revenue targets, growing business segments, and driving sales for diverse products and services.
- Cross-functional Collaboration: Skilled in working with various departments including marketing, finance, and operations to ensure business strategies align with organizational goals.
- Leadership & Team Management: Experienced in leading teams, driving motivation, and ensuring successful execution of business development strategies.
Certifications:
- Certified Business Development Expert (CBDE) – Certified by the Business Development Institute, 2017
- Advanced Project Management Certification – University of California, 2018
Awards & Recognition:
- Top Business Development Leader of the Year – Awarded by Bajaj Finserv, 2018
- Business Excellence Award – Recognized by KMHF Services, 2021
- Outstanding Contribution to Revenue Growth – Awarded by Reliance Industries Limited, 2016
Personal Interests:
- Passionate about entrepreneurship, strategic business development, and exploring innovative business models.
- Enjoys mentoring young professionals and sharing insights on business growth and development.
- Actively participates in business development workshops and networking events to stay updated on industry trends.
- A keen traveler with an interest in international business practices and cultures.
Kunal Mehra
Chief Credit & Collections Officer | KMHF Services
Professional Summary:
Kunal Mehra is a skilled and dynamic Chief Credit & Collections Officer with over 7 years of experience in credit risk management, collections strategies, and financial operations. Currently leading the credit and collections function at KMHF Services, Kunal is responsible for implementing effective credit policies, managing credit portfolios, and ensuring successful recovery efforts. With a strong focus on data-driven decision-making and optimizing collections strategies, Kunal has helped significantly reduce overdue accounts and enhance cash flow. His expertise in credit risk analysis and financial management has consistently contributed to improved financial stability for his organizations.
Education:
- Master of Business Administration (MBA), Finance
Indian School of Business (ISB), Hyderabad, India – Graduated in 2012
Focus: Credit Risk Management, Financial Risk Analysis - Bachelor of Commerce (B.Com)
University of Mumbai, India – Graduated in 2008
Focus: Financial Management, Accounting, Business Strategy - Certified Credit Professional (CCP)
Indian Institute of Credit Management (IICM) – Certified in 2014
Focus: Credit Risk Management, Collections Strategies
Professional Experience:
Chief Credit & Collections Officer | KMHF Services
2019 - Present
- Leads the development and implementation of credit policies and collections strategies to enhance cash flow and minimize bad debt exposure.
- Manages the entire credit and collections process, from assessing credit risk to the final recovery of overdue accounts.
- Regularly evaluates the creditworthiness of clients, ensuring all credit risks are minimized while maintaining healthy customer relationships.
- Collaborates with senior management to align credit and collections efforts with overall business goals and financial targets.
- Utilizes data analytics and financial models to optimize collections strategies, leading to a higher recovery rate.
- Ensures compliance with regulatory requirements and internal policies while handling collections for multiple business units.
Senior Credit Risk Manager | Muthoot Finance
2016 - 2019
- Oversaw credit risk portfolios for Muthoot Finance, with a particular focus on gold loans and secured lending products.
- Conducted credit risk assessments and developed credit approval processes to mitigate risk exposure.
- Managed the collections team in implementing timely and effective strategies for overdue gold loan payments, achieving a significant reduction in default rates.
- Designed and implemented credit policies for Muthoot Finance, enhancing the organization’s ability to assess risk and manage its loan portfolio effectively.
- Collaborated with senior leadership to develop risk mitigation strategies in line with the company’s business objectives.
- Introduced predictive analytics to identify early signs of loan delinquencies, improving loan recovery rates by 20%.
Credit Analyst | Mahindra Finance
2012 - 2016
- Responsible for analyzing and evaluating credit risk for Mahindra Finance, with a focus on vehicle loans, personal loans, and SME financing.
- Conducted thorough financial analysis of loan applications and prepared reports on creditworthiness based on applicant’s financial history.
- Collaborated with the collections department to pursue overdue payments, improving collections efficiency and reducing arrears.
- Evaluated market conditions, industry trends, and customer financial health to assess credit risk and recommend appropriate credit solutions.
- Worked on building strong customer relationships by offering tailored solutions that met their financial needs while protecting the company’s interests.
- Enhanced credit risk policies, improving the company’s risk profile and reducing the occurrence of non-performing loans (NPLs).
Core Competencies:
- Credit Risk Management: Expertise in evaluating credit risks, formulating mitigation strategies, and managing loan portfolios.
- Collections Strategy: Skilled in developing and executing collections strategies to maximize recovery rates and optimize cash flow.
- Data-Driven Decision Making: Proficient in leveraging data analytics to make informed decisions and improve credit and collections processes.
- Financial Analysis: Strong background in credit analysis, financial evaluation, and loan portfolio management.
- Team Leadership: Experienced in managing credit and collections teams, fostering high performance, and achieving operational targets.
- Regulatory Compliance: Knowledgeable in financial regulations, ensuring adherence to legal requirements in credit operations.
Certifications:
- Certified Credit Professional (CCP) – Indian Institute of Credit Management (IICM), 2014
- Advanced Risk Management Certification – Indian Institute of Banking & Finance (IIBF), 2016
- Certified Collection Professional (CCP) – National Association of Credit Management (NACM), 2017
Awards & Recognition:
- Best Credit Risk Manager – Awarded by Muthoot Finance, 2018
- Excellence in Credit and Collections – Recognized by KMHF Services, 2021
- Outstanding Leadership in Collections – Awarded by Mahindra Finance, 2015
Personal Interests:
- Passionate about financial risk management, credit assessment, and debt recovery strategies.
- Actively participates in financial risk management forums and workshops to stay ahead of industry trends.
- Enjoys traveling to explore new financial markets and study global credit systems.
- Dedicated to fitness and believes in maintaining a balanced lifestyle to drive personal and professional success.
Bhavik Bansal
Chief Operating Officer (Sales & Marketing) | KMHF Services
Professional Summary:
Bhavik Bansal is an energetic and results-driven Chief Operating Officer (Sales & Marketing) with over 6 years of experience in leading operational and marketing strategies. Currently serving as the COO at KMHF Services, Bhavik is responsible for overseeing the company’s sales operations, marketing strategies, and business growth. His expertise in optimizing marketing initiatives and streamlining sales operations has been instrumental in driving brand recognition, customer acquisition, and revenue growth for the organization. With a deep understanding of market trends, customer needs, and business analytics, Bhavik has contributed significantly to enhancing operational efficiency and marketing ROI at KMHF Services.
Education:
- Master of Business Administration (MBA), Marketing
SP Jain Institute of Management & Research, Mumbai, India – Graduated in 2014
Focus: Sales Strategy, Brand Management, Consumer Behavior - Bachelor of Business Administration (BBA)
University of Delhi, India – Graduated in 2010
Focus: Marketing, Business Strategy, Organizational Behavior - Certified Digital Marketing Professional
Digital Marketing Institute, Mumbai – Certified in 2016
Focus: Digital Marketing Strategies, Social Media Marketing, SEO/SEM
Professional Experience:
Chief Operating Officer (Sales & Marketing) | KMHF Services
2019 - Present
- Spearheads the sales and marketing operations, driving initiatives that enhance brand visibility and increase market share.
- Develops and executes the company's sales strategy and marketing campaigns, focusing on lead generation, customer acquisition, and revenue growth.
- Leads a team of sales managers, marketing professionals, and analysts to achieve sales targets, ensuring alignment with the company’s broader business objectives.
- Implements innovative digital marketing strategies, including social media marketing, SEO/SEM, and content marketing, significantly increasing online customer engagement.
- Analyzes customer data and market trends to drive customer-centric strategies and improve sales forecasting.
- Continuously evaluates the effectiveness of marketing campaigns and sales processes, ensuring maximum return on investment (ROI).
- Works closely with cross-functional teams, including product development, finance, and operations, to ensure smooth execution of business strategies and marketing initiatives.
**Sales & Marketing Manager | Tata Motors
2016 - 2019
- Managed sales operations for Tata Motors, focusing on increasing market penetration and driving product sales in the automotive sector.
- Designed and implemented B2B and B2C marketing campaigns to promote Tata’s vehicle lineup, resulting in a 15% increase in sales volume.
- Led the customer acquisition strategy, targeting key accounts and strategic markets to maximize brand awareness.
- Analyzed market data to identify emerging trends and competitors' strategies, adapting sales tactics accordingly to stay competitive.
- Collaborated with internal teams to develop product positioning, pricing strategies, and promotional activities for various customer segments.
- Established strong relationships with dealerships and distributors, ensuring timely product delivery and alignment with the company’s sales goals.
**Marketing Executive | Mahindra & Mahindra
2014 - 2016
- Supported sales and marketing teams in executing market research and developing marketing materials for Mahindra’s product range.
- Coordinated trade shows, product launches, and promotional events, boosting brand presence and engaging with key stakeholders in the automotive sector.
- Assisted in the development of digital marketing strategies, including email marketing, social media content, and website management.
- Analyzed competitor marketing strategies, customer feedback, and sales data to adjust promotional efforts and drive product success.
- Assisted in crafting marketing campaigns to increase customer loyalty and brand engagement, achieving a measurable increase in repeat customers.
- Coordinated with the sales team to ensure alignment between marketing messages and product offerings.
Core Competencies:
- Sales Strategy Development: Expertise in creating and executing sales strategies to drive revenue and market expansion.
- Brand Management: Proficient in managing brand identity and developing marketing campaigns that increase visibility and consumer engagement.
- Digital Marketing: Strong background in SEO, SEM, social media marketing, and content marketing to enhance online presence and customer acquisition.
- Customer Relationship Management (CRM): Experienced in building and nurturing customer relationships through personalized engagement and targeted campaigns.
- Market Research & Analysis: Skilled in conducting market research to identify trends, opportunities, and customer needs, leading to more effective marketing strategies.
- Team Leadership & Collaboration: Experience leading diverse teams and collaborating with cross-functional departments to align marketing efforts with business objectives.
Certifications:
- Certified Digital Marketing Professional – Digital Marketing Institute, 2016
- Advanced Sales Leadership Program – Indian Institute of Management, Ahmedabad (IIMA), 2018
- Certified Brand Manager – Indian Marketing Association, 2017
Awards & Recognition:
- Top Sales and Marketing Performer – Awarded by Tata Motors, 2018
- Excellence in Digital Marketing – Recognized by KMHF Services, 2021
- Best Marketing Campaign of the Year – Awarded by Mahindra & Mahindra, 2016
Personal Interests:
- Passionate about digital marketing innovations and sales strategies that foster business growth.
- Enjoys traveling to international trade events and networking with industry professionals to stay updated on market trends.
- Active in sports, particularly football, which helps in maintaining focus and teamwork skills.
- Enthusiastic about volunteering in community outreach programs, focusing on education and skill-building for underprivileged youth.
Kunal Mehra
Chief Credit & Collections Officer | KMHF Services
Professional Summary:
Kunal Mehra is a skilled and dynamic Chief Credit & Collections Officer with over 7 years of experience in credit risk management, collections strategies, and financial operations. Currently leading the credit and collections function at KMHF Services, Kunal is responsible for implementing effective credit policies, managing credit portfolios, and ensuring successful recovery efforts. With a strong focus on data-driven decision-making and optimizing collections strategies, Kunal has helped significantly reduce overdue accounts and enhance cash flow. His expertise in credit risk analysis and financial management has consistently contributed to improved financial stability for his organizations.
Education:
- Master of Business Administration (MBA), Finance
Indian School of Business (ISB), Hyderabad, India – Graduated in 2012
Focus: Credit Risk Management, Financial Risk Analysis - Bachelor of Commerce (B.Com)
University of Mumbai, India – Graduated in 2008
Focus: Financial Management, Accounting, Business Strategy - Certified Credit Professional (CCP)
Indian Institute of Credit Management (IICM) – Certified in 2014
Focus: Credit Risk Management, Collections Strategies
Professional Experience:
Chief Credit & Collections Officer | KMHF Services
2019 - Present
- Leads the development and implementation of credit policies and collections strategies to enhance cash flow and minimize bad debt exposure.
- Manages the entire credit and collections process, from assessing credit risk to the final recovery of overdue accounts.
- Regularly evaluates the creditworthiness of clients, ensuring all credit risks are minimized while maintaining healthy customer relationships.
- Collaborates with senior management to align credit and collections efforts with overall business goals and financial targets.
- Utilizes data analytics and financial models to optimize collections strategies, leading to a higher recovery rate.
- Ensures compliance with regulatory requirements and internal policies while handling collections for multiple business units.
Senior Credit Risk Manager | Muthoot Finance
2016 - 2019
- Oversaw credit risk portfolios for Muthoot Finance, with a particular focus on gold loans and secured lending products.
- Conducted credit risk assessments and developed credit approval processes to mitigate risk exposure.
- Managed the collections team in implementing timely and effective strategies for overdue gold loan payments, achieving a significant reduction in default rates.
- Designed and implemented credit policies for Muthoot Finance, enhancing the organization’s ability to assess risk and manage its loan portfolio effectively.
- Collaborated with senior leadership to develop risk mitigation strategies in line with the company’s business objectives.
- Introduced predictive analytics to identify early signs of loan delinquencies, improving loan recovery rates by 20%.
Credit Analyst | Mahindra Finance
2012 - 2016
- Responsible for analyzing and evaluating credit risk for Mahindra Finance, with a focus on vehicle loans, personal loans, and SME financing.
- Conducted thorough financial analysis of loan applications and prepared reports on creditworthiness based on applicant’s financial history.
- Collaborated with the collections department to pursue overdue payments, improving collections efficiency and reducing arrears.
- Evaluated market conditions, industry trends, and customer financial health to assess credit risk and recommend appropriate credit solutions.
- Worked on building strong customer relationships by offering tailored solutions that met their financial needs while protecting the company’s interests.
- Enhanced credit risk policies, improving the company’s risk profile and reducing the occurrence of non-performing loans (NPLs).
Core Competencies:
- Credit Risk Management: Expertise in evaluating credit risks, formulating mitigation strategies, and managing loan portfolios.
- Collections Strategy: Skilled in developing and executing collections strategies to maximize recovery rates and optimize cash flow.
- Data-Driven Decision Making: Proficient in leveraging data analytics to make informed decisions and improve credit and collections processes.
- Financial Analysis: Strong background in credit analysis, financial evaluation, and loan portfolio management.
- Team Leadership: Experienced in managing credit and collections teams, fostering high performance, and achieving operational targets.
- Regulatory Compliance: Knowledgeable in financial regulations, ensuring adherence to legal requirements in credit operations.
Certifications:
- Certified Credit Professional (CCP) – Indian Institute of Credit Management (IICM), 2014
- Advanced Risk Management Certification – Indian Institute of Banking & Finance (IIBF), 2016
- Certified Collection Professional (CCP) – National Association of Credit Management (NACM), 2017
Awards & Recognition:
- Best Credit Risk Manager – Awarded by Muthoot Finance, 2018
- Excellence in Credit and Collections – Recognized by KMHF Services, 2021
- Outstanding Leadership in Collections – Awarded by Mahindra Finance, 2015
Personal Interests:
- Passionate about financial risk management, credit assessment, and debt recovery strategies.
- Actively participates in financial risk management forums and workshops to stay ahead of industry trends.
- Enjoys traveling to explore new financial markets and study global credit systems.
- Dedicated to fitness and believes in maintaining a balanced lifestyle to drive personal and professional success.
Dhanraj Rathore
Chief Legal Officer | KMHF Services
Professional Summary:
Dhanraj Rathore is an accomplished Chief Legal Officer (CLO) with over 10 years of experience in corporate law, legal risk management, and compliance. In his current role at KMHF Services, Dhanraj leads the company’s legal department, providing strategic legal counsel and ensuring compliance with regulatory requirements across various business functions. His expertise spans contract law, corporate governance, litigation management, and intellectual property rights. Dhanraj’s leadership has played a pivotal role in mitigating legal risks, ensuring smooth business operations, and protecting the company’s interests in complex legal matters. He has a proven track record of negotiating high-stakes contracts, managing litigation cases, and implementing effective compliance frameworks.
Education:
- Master of Laws (LL.M), Corporate and Commercial Law
National Law School of India University (NLSIU), Bangalore, India – Graduated in 2014
Focus: Corporate Governance, Mergers & Acquisitions, Contract Law - Bachelor of Laws (LL.B.)
University of Rajasthan, Jaipur, India – Graduated in 2008
Focus: Civil and Criminal Law, Constitutional Law - Diploma in Intellectual Property Rights (IPR)
WIPO Academy, Geneva, Switzerland – Completed in 2015
Focus: IP Laws, Copyrights, Patents, and Trademarks
Professional Experience:
Chief Legal Officer | KMHF Services
2018 - Present
- Leads the legal department and provides strategic counsel on all legal matters affecting the organization.
- Responsible for overseeing corporate governance, regulatory compliance, contract management, and litigation across business operations.
- Negotiates and drafts high-value contracts, including vendor agreements, partnerships, and business transactions, ensuring that the company’s legal interests are protected.
- Manages and mitigates legal risks, ensuring compliance with applicable laws and regulations in the finance sector.
- Advises the Board of Directors and senior management on legal issues related to corporate strategy, compliance, and risk management.
- Oversees external legal teams and law firms, ensuring efficient case handling and reducing legal costs.
- Collaborates with other business units to align legal decisions with the company’s business objectives, particularly in areas of financial products and services.
**Legal Counsel | HDFC Ltd.
2014 - 2018
- Provided legal advice on mortgage laws, consumer protection laws, and financial regulations, focusing on the housing finance sector.
- Assisted in contract drafting and negotiations with clients, suppliers, and partners, ensuring compliance with corporate policies and legal standards.
- Led the dispute resolution efforts for HDFC Ltd., successfully resolving cases related to real estate, loans, and property disputes.
- Worked closely with the compliance team to ensure adherence to financial regulations and anti-money laundering (AML) laws.
- Coordinated with external law firms to represent the company in litigation, including foreclosure and recovery cases, achieving favorable outcomes for HDFC.
- Contributed to the development of internal policies on legal compliance and risk mitigation for the company's real estate and housing finance business.
**Associate Legal Counsel | Cyril Amarchand Mangaldas
2010 - 2014
- Provided legal counsel to various clients, including corporations and financial institutions, on commercial contracts, mergers and acquisitions, and intellectual property rights.
- Conducted due diligence and legal risk assessments for potential mergers and acquisitions, ensuring smooth transitions and regulatory compliance.
- Drafted and reviewed shareholder agreements, joint ventures, and investment contracts, ensuring legal soundness and compliance with Indian and international laws.
- Assisted senior partners in managing litigation matters, including arbitration, dispute resolution, and corporate fraud cases.
- Advised clients on issues related to intellectual property, including patents, copyrights, and trademarks, ensuring the protection of assets and legal rights.
Core Competencies:
- Corporate Law & Governance: Expertise in corporate governance, legal risk management, and compliance across various industries, including finance and real estate.
- Contract Negotiation: Skilled in negotiating, drafting, and managing high-value contracts and business agreements.
- Litigation & Dispute Resolution: Experienced in managing complex litigation cases and dispute resolution, including arbitration and court proceedings.
- Regulatory Compliance: Knowledgeable in regulatory requirements, anti-money laundering (AML), fraud prevention, and data protection laws.
- Intellectual Property (IP) Law: Expertise in IP laws, including patent, trademark, and copyright protection and enforcement.
- Risk Management: Strong ability to identify, assess, and mitigate legal risks within business operations.
- Leadership & Team Management: Proven ability to lead legal teams, collaborate with senior executives, and align legal strategies with business objectives.
Certifications:
- Certified Compliance Professional (CCP) – Indian Institute of Corporate Affairs (IICA), 2017
- Advanced Diploma in M&A Law – Institute of Advanced Legal Studies, 2015
- Certified Intellectual Property Rights (IPR) Specialist – WIPO Academy, 2016
Awards & Recognition:
- Outstanding Legal Advisor of the Year – Awarded by HDFC Ltd., 2017
- Excellence in Corporate Governance – Recognized by KMHF Services, 2020
- Top Litigation and Risk Management Award – Awarded by Cyril Amarchand Mangaldas, 2013
Personal Interests:
- Passionate about corporate governance, risk management, and legal technology.
- Actively involved in legal mentoring and contributing to various law forums to stay updated on corporate law trends.
- Enjoys traveling, reading, and exploring new cultures to broaden his worldview.
- Advocates for sustainable legal practices and participates in various environmental initiatives aimed at reducing the carbon footprint of the legal industry.
Kunal Mehra
Chief Credit & Collections Officer | KMHF Services
Professional Summary:
Kunal Mehra is a skilled and dynamic Chief Credit & Collections Officer with over 7 years of experience in credit risk management, collections strategies, and financial operations. Currently leading the credit and collections function at KMHF Services, Kunal is responsible for implementing effective credit policies, managing credit portfolios, and ensuring successful recovery efforts. With a strong focus on data-driven decision-making and optimizing collections strategies, Kunal has helped significantly reduce overdue accounts and enhance cash flow. His expertise in credit risk analysis and financial management has consistently contributed to improved financial stability for his organizations.
Education:
- Master of Business Administration (MBA), Finance
Indian School of Business (ISB), Hyderabad, India – Graduated in 2012
Focus: Credit Risk Management, Financial Risk Analysis - Bachelor of Commerce (B.Com)
University of Mumbai, India – Graduated in 2008
Focus: Financial Management, Accounting, Business Strategy - Certified Credit Professional (CCP)
Indian Institute of Credit Management (IICM) – Certified in 2014
Focus: Credit Risk Management, Collections Strategies
Professional Experience:
Chief Credit & Collections Officer | KMHF Services
2019 - Present
- Leads the development and implementation of credit policies and collections strategies to enhance cash flow and minimize bad debt exposure.
- Manages the entire credit and collections process, from assessing credit risk to the final recovery of overdue accounts.
- Regularly evaluates the creditworthiness of clients, ensuring all credit risks are minimized while maintaining healthy customer relationships.
- Collaborates with senior management to align credit and collections efforts with overall business goals and financial targets.
- Utilizes data analytics and financial models to optimize collections strategies, leading to a higher recovery rate.
- Ensures compliance with regulatory requirements and internal policies while handling collections for multiple business units.
Senior Credit Risk Manager | Muthoot Finance
2016 - 2019
- Oversaw credit risk portfolios for Muthoot Finance, with a particular focus on gold loans and secured lending products.
- Conducted credit risk assessments and developed credit approval processes to mitigate risk exposure.
- Managed the collections team in implementing timely and effective strategies for overdue gold loan payments, achieving a significant reduction in default rates.
- Designed and implemented credit policies for Muthoot Finance, enhancing the organization’s ability to assess risk and manage its loan portfolio effectively.
- Collaborated with senior leadership to develop risk mitigation strategies in line with the company’s business objectives.
- Introduced predictive analytics to identify early signs of loan delinquencies, improving loan recovery rates by 20%.
Credit Analyst | Mahindra Finance
2012 - 2016
- Responsible for analyzing and evaluating credit risk for Mahindra Finance, with a focus on vehicle loans, personal loans, and SME financing.
- Conducted thorough financial analysis of loan applications and prepared reports on creditworthiness based on applicant’s financial history.
- Collaborated with the collections department to pursue overdue payments, improving collections efficiency and reducing arrears.
- Evaluated market conditions, industry trends, and customer financial health to assess credit risk and recommend appropriate credit solutions.
- Worked on building strong customer relationships by offering tailored solutions that met their financial needs while protecting the company’s interests.
- Enhanced credit risk policies, improving the company’s risk profile and reducing the occurrence of non-performing loans (NPLs).
Core Competencies:
- Credit Risk Management: Expertise in evaluating credit risks, formulating mitigation strategies, and managing loan portfolios.
- Collections Strategy: Skilled in developing and executing collections strategies to maximize recovery rates and optimize cash flow.
- Data-Driven Decision Making: Proficient in leveraging data analytics to make informed decisions and improve credit and collections processes.
- Financial Analysis: Strong background in credit analysis, financial evaluation, and loan portfolio management.
- Team Leadership: Experienced in managing credit and collections teams, fostering high performance, and achieving operational targets.
- Regulatory Compliance: Knowledgeable in financial regulations, ensuring adherence to legal requirements in credit operations.
Certifications:
- Certified Credit Professional (CCP) – Indian Institute of Credit Management (IICM), 2014
- Advanced Risk Management Certification – Indian Institute of Banking & Finance (IIBF), 2016
- Certified Collection Professional (CCP) – National Association of Credit Management (NACM), 2017
Awards & Recognition:
- Best Credit Risk Manager – Awarded by Muthoot Finance, 2018
- Excellence in Credit and Collections – Recognized by KMHF Services, 2021
- Outstanding Leadership in Collections – Awarded by Mahindra Finance, 2015
Personal Interests:
- Passionate about financial risk management, credit assessment, and debt recovery strategies.
- Actively participates in financial risk management forums and workshops to stay ahead of industry trends.
- Enjoys traveling to explore new financial markets and study global credit systems.
- Dedicated to fitness and believes in maintaining a balanced lifestyle to drive personal and professional success.
Tejas Rajput
Head – Human Resources | KMHF Services
Professional Summary:
Tejas Rajput is a highly skilled and accomplished Head of Human Resources with over 8 years of diverse experience in the HR domain across industries. At KMHF Services, Tejas leads the HR strategy and execution, focusing on creating and sustaining a high-performance work culture. Known for driving employee engagement, organizational development, and talent acquisition, Tejas plays a pivotal role in shaping the company’s people-centric initiatives. His strategic leadership has significantly enhanced workforce productivity, employee retention, and organizational growth. Tejas brings a deep understanding of HR best practices, labor laws, and compliance, effectively aligning human resources with business objectives to drive organizational success.
Education:
- Master of Business Administration (MBA) in Human Resources
XLRI Jamshedpur, India – Graduated in 2014
Focus: Organizational Development, Employee Relations, Strategic HR Management - Bachelor of Arts (BA) in Psychology
University of Mumbai, India – Graduated in 2010
Focus: Behavioral Psychology, Organizational Behavior - Certified Human Resource Professional (CHRP)
Society for Human Resource Management (SHRM), India – Certified in 2016
Focus: HR Best Practices, Employee Engagement, HR Analytics
Professional Experience:
Head - Human Resources | KMHF Services
2019 - Present
- Spearheads the development and implementation of strategic HR initiatives, including talent acquisition, leadership development, and performance management, ensuring alignment with KMHF’s business goals.
- Leads the execution of employee engagement programs, resulting in a 20% increase in employee retention and improved job satisfaction across departments.
- Oversees HR compliance, ensuring alignment with industry regulations and labor laws, maintaining a fair, equitable, and legally compliant work environment.
- Implements comprehensive learning and development programs aimed at enhancing leadership skills, technical skills, and employee potential.
- Drives organizational development initiatives to foster a performance-driven culture and enhance the overall organizational structure.
- Partners with senior management to align HR policies with business priorities and organizational objectives, enabling employee empowerment and improved team dynamics.
HR Manager | Shriram Transport Finance
2015 - 2019
- Managed the end-to-end recruitment process across the organization, including finance, operations, and senior roles, improving hiring efficiency by 15%.
- Developed and executed employee engagement strategies, including regular pulse surveys and team-building programs, leading to a 15% improvement in employee satisfaction.
- Played a key role in implementing performance management systems, linking individual performance with business objectives and creating a culture of continuous improvement.
- Designed and led the leadership development program, identifying high-potential employees and providing them with the necessary training and mentoring for career progression.
- Streamlined HR processes and helped implement a new HRIS system, improving data accuracy and internal communication across departments.
- Provided strategic guidance on employee relations and conflict resolution, ensuring a healthy and productive work environment.
HR Executive | Manappuram Finance
2013 - 2015
- Led recruitment efforts for key positions across branch operations, sales, and admin functions, enhancing the recruitment pipeline efficiency.
- Developed and maintained key metrics related to employee performance, ensuring alignment with corporate goals and delivering performance reports to management.
- Supported training and development initiatives, working closely with department heads to create customized learning programs.
- Coordinated the implementation of employee wellness programs, focusing on work-life balance, mental health, and physical well-being, contributing to enhanced productivity.
- Facilitated regular employee feedback sessions, identifying areas for improvement in HR processes and creating solutions to increase engagement.
Core Competencies:
- Strategic HR Leadership: Expertise in aligning HR strategy with business goals to enhance organizational effectiveness and performance.
- Talent Acquisition & Retention: Strong experience in designing and executing recruitment strategies to attract top talent while improving employee retention and satisfaction.
- Employee Engagement & Organizational Development: Proven ability to implement employee engagement initiatives that increase retention and job satisfaction.
- Performance Management: In-depth knowledge of designing and implementing performance management systems that drive employee growth and align with company objectives.
- Learning & Development: Skilled in creating and leading training programs, leadership development, and career progression initiatives.
- HR Compliance & Policies: Expertise in ensuring compliance with labor laws and company policies to maintain a legally compliant work environment.
- Change Management: Experience in leading change management efforts to foster a growth-oriented, adaptable, and high-performing workforce.
Certifications:
- Certified Human Resource Professional (CHRP) – Society for Human Resource Management (SHRM), 2016
- Advanced Diploma in Organizational Development – Indian Institute of Management, Ahmedabad (IIMA), 2017
- Certified Leadership Coach – International Coaching Federation (ICF), 2018
Awards & Recognition:
- Outstanding HR Leader of the Year – KMHF Services, 2020
- Excellence in Employee Engagement – Shriram Transport Finance, 2018
- Best HR Practitioner of the Year – Manappuram Finance, 2015