Management Team

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 Ramesh M N

Head – Marketing & Alternate Channel

Mr Ramesh M N is an MBA from Pune University with over two decades of experience and with a strong Sales and Distribution background having stints at Bajaj Allianz, ING Life Insurance, Edelweiss Tokyo LI and ICICI Prudential LI in various senior roles managing vast geographies. He has extensively worked in Southern, Eastern and Western markets. In his latest assignment, he worked for about 2 years with a Fintech – Bank Saathi – a tech-enabled platform where customers are guided to the right financial product from the right bank or NBFC.

Mr Nagesh H S

State Head – Karnataka

Mr Nagesh H S is an MBA graduate with nearly 20 yrs of experience in Banking and financial industry. Experienced and expert Mortgage professional with proven history of working in the financial services industry. Expert in setting up of retail Branch network and distribution channels. He was a founder member of Nivara and now in his second innings he spearheads sales for Karnataka. Apart from Nivara he has worked with Karvy Financial Services, Aviom India Housing Finance and IDFC First Bank in senior positions.

Mr. Venkat Sharma Konduri

State Head – AP & Telangana

Mr. Venkat Sharma Konduri has a rich experience of about 24 years in the domain of Sales Distribution in Home Loans, Mortgages and Business Loans. He is well versed with Business development, credit, collections, product-based marketing, and business strategies. He has worked extensively at Adani Capital, Vistaar Finance and Karvy Financial services (SBFC now) etc., where he has built businesses right from scratch to few thousand crores of AUM.

Mr Prashant Bhalgat

State Head – Maharashtra

Mr Prashant Bhalgat comes with a rich experience of over 2 decades in the financial industry in secured and unsecured lending. Besides Sales and development, Prashant has also managed collections and credit in his earlier stints. Prior to joining us, Prashant was working with Wonder Home Finance. He brings us an experience with some of renowned companies like Home First Finance, Fullerton India Credit, L&T Finance, HDFC Bank, Citi Financial.

Mr Sidharth Vij

National Credit Manager

Mr Sidharth Vij is a seasoned finance professional with over two decades of experience in driving Strategic Credit Solutions & Risk Management in Housing Finance Business. He has a proven track record of establishing mortgage businesses and has been pivotal in setting up branch networks, developing guidelines for mortgage products, and establishing Credit and Risk policies. He has been associated with renowned organizations such as ICICI Bank, GE Money, HDFC Bank Ltd, DBS Bank, India Shelter Finance Corporation and Art Housing Finance.

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

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 Pramod Kumar

Head – Learning & Development

Mr Pramod Kumar has more than two decades of experience across length and breadth of the country in HR domain in industries like BPO, Insurance and Travel and Hospitality that are highly dependent on field staff. Prior to joining us, Pramod was working with Trip Factory – a company that facilitates holiday planning. Some of the firms that he worked managed a work force of over 4000. Earlier, he worked with Fastway Transmission & ING Life Insurance managing entire gamut of HR processes.

Mr. C. G. Thimmaiah

Head – Audit

Mr. C. G. Thimmaiah is a results-driven professional with a diverse experience spanning over 3 decades in Retail Asset – mortgages, construction finance underwriting, extensive exposure in sales, credit appraisal, and collection within the realms of Housing Loans/LAP. He has demonstrated leadership & management as a seasoned Branch Head with over 10 years of experience, successfully steering branches in Karnataka, Andhra Pradesh, Gujarat, and Tamil Nadu. He has a proven track record as an expert in implementing effective credit processes and managing credit teams, Audit & Compliance.

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.

Raina D’ Silva

Company Secretary

Raina D Silva is a CS and a Law graduate with about 10 years of secretarial and compliance experience. She is very well versed with Companies Act, SEBI and RBI directions for Housing Finance Companies. Prior to joining us, Raina was working with Fineotex Chemical Ltd, as Company Secretary and Compliance Officer and HSBC Electronic Data Processing India Pvt. Ltd, as Senior Company Secretarial Assistant. She is skilled in drafting, corporate communication, and management.