Mr. Shreyas Ramanathan

Chief Operating Officer

Mr. Shreyas Ramanathan is a Chartered Accountant and has done his MBA from Asian Institute of Management, Manila. He has more than 18 years of work experience in Retail and SME lending where he extensively worked in credit underwriting, policy and risk across the spectrum of Retail Loans while at ICICI Bank for 12 years and in his last assignment with OLA, he managed their Leasing portfolio of 10k fleet of Cabs with negligible delinquency for the last one year.

Mr. Srinivasan C V

Chief Financial Officer

Mr. Srinivasan CV is a Chartered Accountant and a Cost Accountant having a career spanning more than 25 years. He has also successfully completed Accelerated General Management Program (AGMP) from IIM Ahmedabad. In his latest assignment, he was a CFO at Chaitanya India Fin Credit Pvt. Ltd for close to 6 years. He brings in a wide variety of experience in traditional, multinational, VC-funded start-up companies in diverse industries such as financial services, manufacturing, IT infra-distribution, Investment company, food services and facilities management.

Mr. Bonojit Ukil

Chief Compliance Officer

Mr. Bonojit Ukil is a veteran Banking and financial Services space with about four decades of experience in overall policy formulation and process management with an innate ability to evaluate complex, multi-dimensional situations and compliance risk characteristics. His vast experience will bring in effective governance within the organization, ensuring compliance with laws, regulatory requirements, policies, and procedures along with the internal control and risk management processes. Previously, he has worked across the wide spectrum of reputed Banks/NBFCs like UCO Bank, Bank of Punjab, First Blue Home Finance, Ujjivan Small Finance Bank, Aye Finance and Rural Mandi Fintech Pvt. Ltd.

Mr. Girish Bhat

National Sales Head

Mr. Girish Bhat is a housing finance industry veteran joining us with a rich experience of 17 years with an expertise on wide ranging aspects of Strategic Planning, Sales & Marketing, Credit Underwriting, Risk Management, Business Development, Channel Management, and Team Management. Previously, he has also worked with Motilal Oswal Financial services, Mahindra Rural Housing, Birla Home Finance, Citi Bank & ICICI Bank. Prior to joining us, he was with Aadhar Housing Finance Ltd as Zonal Business Head Karnataka.

Mr. Srijan Banerjee

National Credit Manager

Mr. Srijan Banerjee is a Housing finance industry veteran having more than 22 years experience in Credit & Risk management in Banking and Financial sector. He has worked across the wide spectrum of reputed Banks/NBFCs like HSBC, DCB, YES Bank, ING Vysya Bank, Bajaj Finance, Capital First and Magma housing finance. Prior to joining us, he was associated with Ashiyanaa housing and development finance as Head of Underwriting for setting up housing finance business for them.

Mr. Suresh G

Head of Collections

With over 22 years of sound experience in Risk and Debt management within the Banking and Financial Services sector, Mr. Suresh specializes in Collections and Recovery, Process Improvement, Regulatory Compliance, Cost Control, Credit Operations & Retail Asset Management. He has consistently demonstrated an exceptional grasp of navigating complex financial landscape and strategizing the recoveries under various buckets and keep a constant check on Asset Quality. Prior to joining us, he has extensively worked in the last two decades with Fullerton India Home Finance, ING Vysya Bank Ltd., Axis Bank, HDFC Bank Ltd.

Mr. Aditya PVN

Head of HR, Training & Admin

Mr. Aditya has more than 20 years of all-round experience in HR predominantly in BFSI and Telecom space. Prior to joining Nivara, he was associated with Jana Small Finance Bank as Head of HR Operations for about 4 years. He worked as HR Business Partner in Telecom companies - Tata Teleservices and Idea Cellular.

Mr. Babu Abraham

Legal Head

Babu Abraham comes with In-house Legal Counsel experience of more than 15 years in corporate and Practice. He is qualified LLB & MBA.

Babu is skilled in Negotiations, Contracts Review, Legal and Regulatory Compliance, Litigation, Title Search Reports, Due diligence, and Legal Recovery. He also has Functional Experience in Banking Law, Arbitrations, Debts Recovery Tribunals, Labor welfare.

Before joining us, he was working with Mantri Developers as Deputy General Manager- Law. In the past, he also worked with Tata Motor Finance, Fullerton, Reliance Capital apart from practicing as Advocate and Consultant.