Meet Our Committee Members

Divya

President & Executive Director – Business Strategy

Divya is a seasoned professional with an overall 23 years of experience. She is currently designated as Executive Director - Business Strategy managing overall Retail Business of CGCL. Divya joined Capri in 2012 and under her able leadership during last 11 years, the organization has added multiple new lines of retail business such as MSME Loans, & Gold Loans. These business units over the years have acted as key pillars of growth in the organization's success. Her belief in strengthening the overall processes by bringing in org-wide Digital Transformation has helped the organisation in achieving the desired scale and profitability, thereby improving the presence & visibility in the marketplace. Prior to joining Capri Global, she was associated with CSC Global (Formerly known as Viteos Capital Market Services) and XL Dynamics.

Kishore Lodha

Chief Financial Officer

Key Management Personal

Kishore brings with him over 23 years of extensive experience in the banking and financial services sector. A qualified Chartered Accountant, Kishore has held key leadership roles across institutions such as U GRO Capital, Hinduja Leyland Finance, SREI Infrastructure Finance, and Future Group. Kishore has successfully raised over ₹50,000 crore in long-term and ₹13,000 crore in short-term debt through a mix of instruments including QIPs, Rights Issues, Preference Allotments, NCDs, and securitisation. Kishore has led finance teams across large NBFCs and retail institutions, managing diverse portfolios and multi-geography operations. He has also handled DRHP filings, IPO preparedness, corporate restructuring, business valuations, and audit readiness across various organizations. He began his career at Future Group, where he spent over a decade managing finance for their retail operations and played a significant role in the company’s exponential expansion. At Capri Global, Kishore will be responsible for driving the financial strategy, enhancing governance practices, and enabling sustainable business growth. His deep understanding of regulatory frameworks and structured finance will support the organization in strengthening its balance sheet, optimizing funding sources, and improving capital efficiency.

Sanjeev Srivastava

Chief Risk Officer

Sanjeev has more than two decades of experience in the financial service industry. Throughout his career, he has implemented multiple strategic plans to mitigate company risks and established enterprise risk management practices across organizations. Prior to joining Capri Loans, Sanjeev held several leadership positions across Banking & Financial Services. In his most recent role, Sanjeev was the Chief Risk Officer at IIFL Finance Limited. He has also held various leadership positions in credit and risk management at organizations such as Karvy Financial Services Ltd., GE Money, ICICI Bank, and Reliance Group.

Abhishek Yadav

Chief Compliance Officer

Abhishek has over 19 years of work experience in the financial institutions and banking sector. He brings a wealth of knowledge and expertise in developing and implementing regulatory risk frameworks and managing regulatory relationships to ensure compliance across various businesses. Prior to joining Capri Global, he served as the Head of Compliance for India at Australia and New Zealand Banking Group Ltd. His previous roles include senior positions at Kotak Bank, L&T Financial Services, YES Bank, Axis Bank, and Ernst & Young.

Tarun Aggarwal

Group Chief Technology Officer

Tarun is a seasoned technology professional with nearly 20 years of experience in Generative AI, Big Data Analytics, Cloud Computing, DevOps, Infrastructure, Platform Engineering, and Quality Assurance. Before joining Capri Loans, he served as Senior Vice President of Engineering at Paytm, where he led the Platform Engineering vertical for Paytm's ecosystem. During his tenure, Tarun spearheaded numerous OpenAI initiatives and significantly enhanced the Paytm App/Web customer experience. He architected high-availability solutions like Hawkeye, achieving 99.99% uptime. Additionally, he played a pivotal role in Paytm's Central Cost Management and CI platforms. Tarun has also made significant contributions at organizations like Adobe Systems, Quad Analytix (Wiser), Expedia India, and Guavus Networks. His notable achievements include integrating India's Aadhaar Web Services with Adobe Sign and developing a resilient multi-cloud disaster recovery solution across AWS and Azure. With a wealth of experience in technology leadership, Tarun is poised to drive innovation and operational efficiency at Capri Loans. His focus will be on enhancing customer-centric solutions and advancing the company's digital infrastructure. His expertise in creating scalable and reliable systems ensures that the platform remains robust and capable of handling increasing user demands.

Varun Malhotra

Chief Technology and Data Officer

Varun has around 17 years of work experience. Prior to joining Capri Loans, he was associated with Aakash BYJU's Education Services Ltd as Vice President Engineering, where he headed the engineering vertical for all in-house products, driving faster and sustainable growth. He was responsible for modernizing the technology landscape, managing the core platform layer, and overseeing strategic products. Varun has expertise in Business Technology integration, enterprise applications, system design/architecture, business solution design, and building highly scalable systems. Throughout his career, Varun has worked with prominent organizations such as Policy Bazaar, Lava International Pvt Ltd, Ness Technologies India Pvt Ltd., Affle Pte Ltd, Aspire Systems Pvt Ltd, and GlobalLogic India.

Suresh Gattani

Associate Director Finance

Suresh has been associated with Capri since 2006. With over two decades of experience in accounts, finance, taxation, and corporate planning, his expertise has been instrumental in the organization's growth. Previously, he was associated with Aditya Birla Group.

Vinay Surana

Group Head of Treasury

Since 2008, Vinay's rich and varied experience in financial markets, covering project finance & debt advisory, corporate relationships, credit & treasury functions, has given us a unique growth perspective. In the past, he has been associated with Axis Bank Ltd., where he was one of the founding members of the debt syndication vertical in the capital markets division.

Yashesh Pankaj Bhatt

Company Secretary

Key Management Personal

Mr. Yashesh Bhatt has around 16 years of work experience in handling the entire secretarial profile of equity-listed, debt-listed, unlisted, and foreign companies. Prior to joining Capri Global, he was associated with various organizations, including L & T Financial Services, Tata Housing Development Company, Mahindra and Mahindra Limited, Shapoorji Pallonji Infra Group, and Reliance Industries Limited. In addition to being a Company Secretary, he has completed a Bachelor of Law from Advani Law College (Mumbai University) and a Master'€™s in Financial Management from Jamnalal Bajaj Institute of Management Studies.

Zoheb Sheikh

Head-Internal Audit

Zoheb Sheikh has over 16 years of experience in the financial institutions and banking sector. Zoheb has been part of Capri for more than 10 years in the Internal Audit department. He has been instrumental in handling various audit assignments, working independently to control and mitigate organizational risk. Zoheb is equipped with a strong background in audit methodologies, risk assessment, and compliance practices. Over the years, he has developed a keen eye for identifying process inefficiencies and potential areas of improvement, enabling him to effectively manage audit teams and collaborate with stakeholders at all levels. At Capri as Head of Internal Audit his role includes conducting independent risk assessments, evaluating internal controls, performing GAP analysis, and suggesting areas for strengthening. Zoheb's career includes notable tenures at Kotak Mahindra Bank and Reliance Securities . His work at these institutions helped him develop comprehensive internal audit strategies aligned with organizational objectives, vision, and mission. Zoheb has consistently ensured that the audit function adds value, mitigates risks, and improves operational effectiveness.

Vijay Kumar Gattani

Chief Business Officer

At Capri, he pilots credit operations in construction finance (real estate). Prior to joining Capri in 2015, he was associated with ICICI Group for over seven years anchoring multiple assignments. In his last assignment with ICICI Home Finance, he was at the helm of Risk & Policy business. He has also worked at ICICI Venture Funds with the real estate investments team. He has also worked with global giants such as Goldman Sachs and Deloitte.

Bhaskarla Kesav Kumar

Director (Monitoring)

He is with Capri Global since January 2015. He specialises in Corporate Credit, specifically Credit Risk Management, Analysis, Relationship Management as also Credit Administration and Monitoring. Before Capri he was with State Bank of India as Assistant General Manager & Unit Head - Corporate Relationships. At the bank, he was responsible to assess term loans, their limits, and appraise credit proposals, in line with the Bank's risk and sectoral policies/norms with a thorough risk analysis.

Abhishek Sinha

Chief Business Officer - UR & ML

Abhishek brings over two decades of rich experience in the financial services industry. Prior to joining Capri, he was with Bajaj Housing Finance Ltd., where he played a pivotal role in building the home loan business from the ground up. Under his leadership, the business witnessed remarkable achievements, including a 25% year-on-year growth in AUM, the establishment of a robust distribution network of over 10,000 partners, and the successful expansion of both digital and physical distribution channels. His career spans leadership positions at Bajaj Finance Ltd., Tata Capital, and ICICI Bank, where he consistently drove customer-focused innovations, built high-performing teams, and delivered scalable business strategies across diverse geographies.

Vaibhav Shah

Head Credit

Vaibhav has more than 15 years of work experience across the banking & financial service industry. Prior to joining Capri Global, he was working with AU Small Finance Bank Limited, where he was responsible for underwriting of retail & high value secured business loan proposals and sanctioning loans. His work deliverables also included implementation of robust processes & changes for scaling up business volumes and conducting branch wise portfolio analysis. He holds expertise in credit underwriting & portfolio quality management, setting up credit policies & processes and designing underwriting tools. Across his career, he was associated with organizations like, ICICI Bank Ltd, HDFC Bank Ltd, CITI Financial Consumer Finance India Ltd, Moneyline Credit Ltd, AU Financiers Ltd and DCB Bank.

Bhupinder Singh

Head - Legal Litigation

He has provided necessary inputs that have ensured smooth functioning at an operational level. He provides legal advice on day-to-day issues from business risks to managing litigation, implementation of robust policies and processes for managing NPA recoveries, regulatory escalations and customer complaints. Before being an integral part of Capri Global, he was working with Dewan Housing Finance Corporation Ltd. from February 2013 to June 2019, where his designation was National Head – Litigation and National Legal Manager. He also worked with organisations like First Blue Home Finance Ltd., Deutsche Postbank Home Finance Ltd. & BSES Yamuna Power Ltd.

Pramod Khetawat

National Operations Head - MSME Loan

Pramod has more than two decades of experience in BFSI industry. He has handled functions like Assets and Liabilities Operations, Branch Banking Operations, Customer Service, Product Management, Accounts and Taxation during his tenure. He has worked on multiple projects relating to improving customers satisfaction, driving overall operational efficacy and process enhancements. Prior to joining Capri Global, he was associated with AU Small Finance Bank Ltd. as Senior Vice President - Operations & Principal Nodal Officer. At AU Small Finance Bank Ltd, he was responsible to manage the Retail Assets Operation by working closely with all the senior stakeholders of Vehicle, HL, MSME, LAP, PL, Gold loan Business Units and Senior management. During his tenure, he was associated with organizations like HDFC Bank, ICICI Bank and others.

Narender Singh Arya

Senior Head - Collections

Narender has over 17 years of work experience. Prior to joining Capri Loans, he was working with Indiabulls Housing Finance Ltd., where he was responsible for collection, recovery and business development. His work deliverables also included controlling & monitoring portfolio delinquency, devising & implementing long term strategic plans instrumental in achieving collection targets , customer relationship management and process enhancement. Across his career, he was associated with organizations like Home Credit India, CitiFinancial Ltd, Citibank , Citigroup Global Services Limited, ADFC Private Limited.

Ravi Shankar

National Legal Head

Ravi brings along with him over 16 years of work experience. Prior to joining Capri Global, he was working with Roha Housing Financial Private Limited as National Legal Manager, where he was responsible for reviewing business legal policies for different products and also resolving corporate legal & business legal cases. Also, his work deliverables included reporting legal and recovery summary to be presented to the board of directors and opine on litigation and mortgage cases . Also appointing and evaluating legal & technical vendors pan India. During his tenure , he was associated with organizations like India Shelter Finance Corporation Ltd , M/s Khaitan Sud & Partners, PK Sinha & Associates, AV Quetzal Infrastructure Pvt Ltd and ICICI Bank. He has also practiced as an Advocate in Civil Court, Labour Court, Consumer Court, and various courts of Delhi.

Kumar Vivek

National Technical Head

Kumar has more than 10 years of work experience. Prior to joining Capri Global, he was associated with Jana Small Finance Bank Ltd. as Real Estate Head, where he was responsible for assessing secured funding business. Also, his work deliverables included advising business groups for quick decision making and formulating technical policy within regulatory framework. Reviewing and advising to propose changes in policy and intervening in high ticket cases. During his tenure, he was associated with organizations like India Shelter Finance Corporation as National Technical Head, Kotak Mahindra Bank Ltd, ICICI Bank Ltd and JUSCO.

Ravish Gupta

Chief Business Officer – Gold Loan

Ravish has more than two decades of work experience. Prior to joining Capri Global, he was associated with India Infoline Finance Ltd, where he was managing and administering various functions including Sales, P&L, Product, Process, IT, Admin, Collections, NPA in the financial services arena. He possesses strong team building and communication skills for managing big teams and forging relationship management with internal and external stakeholders. During his career, he has also been associated with organizations like GE Money Financial Services Ltd ,HDFC Bank Ltd & Solutions Integrated marketing Services Pvt Ltd.

Sourabh Jindal

National Audit Head - Gold Loan

Saurabh has around 19 years of work experience. Prior to joining Capri Loans, he was associated with IIFL Finance Ltd, where he was managing Gold loan audit verticals, Risk mitigation and investigations for Northern, Central & Eastern India operations. Across his career, he has also been associated with organizations like Magma Fincorp Ltd, Gold Souk Finance Pvt Ltd, Muthoot Finance Ltd, Indiabulls Financial Services Ltd, HDFC Bank Ltd & SRK Fincon Pvt. Ltd.

Rajesh Sharma

Managing Director

Board of Directors and Advisory Board

His vision to advance the growth of the MSME sector has helped the firm to grow into one of India's leading Non-Deposit Taking Systemically Important Non-Banking Financial Companies (NBFC-ND-SI). His rich experience in corporate finance, investment banking, merchant banking, and asset financing, his expertise in financial products innovation, designing investment strategies for clients and financial risk management has ensured Capri Global is a step ahead of other financial services organizations in the space it operates in. He is an astute businessman and his deep insights in the debt markets are reflected in his ability to strategize the entire stakeholder value creation. Building a business on the principles of ethics, economic empowerment, and equitable growth, he envisions the Company to rise as one of India's premier financial institutions.

L V Prabhakar

Independent Director & Chairman

Board of Directors

Mr. Prabhakar served as MD & CEO of Canara Bank, Chairman of Canara ROBECO AMC, Executive Director of Punjab National Bank, and Director of PNB Metlife Life Insurance, PNB Housing Finance, and Everest Bank Ltd., Nepal. He was also Chair of the IBA Standing Committee on Payment Systems and Banking Technology

Ranganathan Subramanian

Independent Director

Board of Directors

During his long career in the financial services industry, Mr. Ranganathan has been associated with leading financial institutions in top leadership roles. He served as Financial Controller & CS at Citicorp Finance (India) Ltd. and contributed to strategic investments of Citigroup's. He was Director and CFO at Bank of America - Merrill Lynch (Mumbai), President and Group CFO of Edelweiss Financial Services and Managing Director at ECL Finance Ltd.

Nupur Mukherjee

Independent Director

Board of Directors

She has held the position of Global Managing Director at Standard Chartered Bank and Barclays in India, SE Asia, China, and Europe, where she was responsible for a host of critical technology practices. She has also been associated with some of the top Indian technology companies in the past and is currently serving as Director of various technology companies.

Ajit Sharan

Independent Director

Board of Directors

Part of the Indian Administrative Service since 1979, he has diverse experience of working in varied aspects of public administration from law and order to agriculture and rural development, promotion and development of MSMEs, public distribution of essential commodities, urban development and technical education. His expertise is valued and he has been called to strategise for sectors like power and finance. In almost all the assignments, his main mandate has been formulation and implementation of policies in the relevant sector and providing strategic leadership to an organisation.

Shishir Priyadarshi

Independent Director

Board of Directors

As an IAS officer from UP cadre, Mr. Priyadarshi served in the administrative services for over two decades. In his long and illustrious career, he also had the distinction of becoming the first Indian civil servant to serve as Director of WTO. He dealt with economic, finance, industries, and infrastructure ministries during his stint with Government of India. He has also worked closely with global institutions like World Bank, IMF, UNCTAD, UNDP, and OECD. He has been a regular contributor to a large number international journals and has well-established research and teaching credentials.

Paromesh Chatterjee

Chief Information Officer

Paromesh has 22 years of experience and brings extensive expertise as a CIO Advisor, BFSI Consultant, and Technology Expert. He has a deep understanding of IT infrastructure, cybersecurity, regulatory compliance, fintech, and banking, with specialized knowledge in blockchain technology, project management (PMP, PRINCE2), and cyber-risk management. Paromesh has successfully led technology teams, driven strategic initiatives, and ensured business continuity in fast-paced, dynamic environments. Before joining Capri Global, he held senior leadership roles such as Head of Technology, Cybersecurity, and Regulatory Compliance at BKS MyGold, and CIO at IDFC First Bank. His career also includes significant positions at Bandhan Bank and the Royal Bank of Scotland Group, along with contributions to global technical support and solutions at Microsoft India, Hewlett-Packard, IBM, and CLI3L e-Services Ltd. Throughout his career, Paromesh has demonstrated exceptional leadership in delivering complex IT initiatives and fostering innovation across a wide range of sectors.

Sandeep Kumar Jain

Chief Information Security Officer

IT Strategy Committee Member

Sandeep is a seasoned Information and Cyber Security professional with over 16 years of rich experience in leading and implementing enterprise-level security initiatives across diverse sectors including Banking, Life & Health Insurance, and NBFCs. His core competencies include developing Information Security strategies, designing robust security process frameworks, implementing Cloud Security models, managing vulnerabilities, and overseeing Third Party Risk Management. Sandeep also specializes in formulating policies aligned with industry-specific regulatory requirements and international standards such as ISO 27001. Before joining Capri Global, Sandeep held leadership roles as Chief Information Security Officer (CISO) at Aditya Birla Health Insurance and Kotak Life Insurance. His professional journey also includes impactful tenures with RBL Bank, Yes Bank, Travelex India Pvt. Ltd., and Tata Consultancy Services (TCS), where he led key Information and Cyber Security functions.

Ignatius Kaitha

Chief Human Resources Officer

IK brings two decades of rich and diverse leadership experience in Human Resources, with deep expertise in the banking and financial services sector. Over the course of his career, he has built a distinguished track record in people strategy, organizational transformation, large-scale workforce expansion, leadership development, talent management, employee experience, culture building, M&A integration, performance management, and HR governance. Prior to joining Capri, IK served as Executive Vice President & Head – HR (Consumer Banking) at IndusInd Bank, where he led the people agenda for the Bank's largest and fastest-growing business verticals. Earlier, he held senior HR leadership positions with HSBC Bank and Stream Global Services (now Concentrix) and was also part of the founding team of a technology start-up, giving him a broad perspective across diverse business environments.

Ateet Parikh

Chief Collections Officer

Ateet has 25+ years of experience, Ateet Parikh brings a wealth of knowledge and expertise in Debt Management / Collections, Retail Liability and Assets in Banking /Finance industry across various sectors and products. Prior to joining Capri Global, he served as Head Debt Management at IDFC First Bank, National Head / Product Head at ICICI Bank Ltd, Vodafone and has gained significant experience in Collections Strategy, Contact Centers Management, Field Collections, Legal, Governance and Customer Experience.