Disha Microfin


About Us > Management & Advisory Team

Rajeev Yadav - CEO
Rajeev has over 22 years of industry experience with over 15 years in financial services sector as a business leader with global exposure. His professional expertise spans extensive P&L, business development, strategy & planning, product & relationship management capabilities. His previous stints include India Business Leader -PL & Mortgages (GE Money), India CMO and Business Development Leader (GE Capital), India CEO (GE Money) etc. He holds a BE degree from IIT and a PGDM from IIM.

Amit Sinha - Business Head - Retail Assets
Amit has 20 years of rich experience in Sales, Business Development and Channel Management, largely in financial services businesses. His last role was with Bajaj Finserv Ltd based at Pune where he was National Sales Manager for Unsecured Lending. Prior to this, Amit has been associated with ICICI where he was DGM – Business Lending Group, HDFC where he held multiple positions including National Sales Manager for Emerging Enterprise Group, Zonal Sales Manager (North) for Mortgages, Channel Head for Retail Sales in Cards Division. He was earlier with GE Countrywide as Area Sales Manager for Mortgages. In a brief entrepreneurial stint, Amit has also been associated with a start-up online travel portal, Rearview Adventure Travels. Amit holds a Bachelor’s Degree in Science from Magadh University and PGDM (International Business) from Symbiosis Institute of International Business, Pune.

Chandar Rao V - CTO
Chandar has over 20 years experience in financial services, predominantly in microfinance. His expertise spans functions like Project Management, Vendor Management, Liaison between business & technology, Core Banking System implementation & Business Process Reengineering and has played vital role in setting up nation-wide IT backbone for MFIs and Banks to implement the Financial Inclusion projects His previous stints include AVP-Technology (FINO), Senior manager(ICICI bank) and Manager-IT initiatives (BASIX) . He holds a B Tech in Computer Science.

Keyur Doshi- CFO
Keyur has over 20 years experience in financial services. He started his career with Jhaveri Credits and Capitals Ltd handling their Hire Purchase and Lease Finance Division. Keyur has played a vital role in managing legal compliance, financial and cost management and business planning for IFAPL platform. His cost management initiatives have significantly added to the group's bottom line. Keyur has extensive experience in and currently leads the teams for Finance, Accounts, Treasury, Financial planning and analysis. Keyur is a Graduate in Mathematics and a Masters in Business Administration with finance specialization.
Kishore M, COO- South, MFI and BC
Kishore has over 30 years of experience in leadership & managerial capacities in financial services His rich experience spans business verticals like microfinance, Rural finance, Retail/Consumer finance, Corporate finance, Construction equipment finance, Vendor finance, Bill discounting, Distribution of financial products & surveillance. During his corporate career, his longest stint was with L&T Finance where he was Business Head for Microfinance and alsopart of the Rural, Corporate & Construction Equipment Finance divisions. He has held Director-ship at Microfinance Institutions Network (MFIN) during his stint with L&T. His earlier assignments were with IL&FS Investsmart Ltd, Alpic Finance, Nagarjuna Investment Trust among others. He also has entrepreneurial experience, prior to joining FFSL, wherein he was an Advisor to a few family-owned groups helping in restructuring of business, creating family-holding entity and corporatization of the ventures. Kishore holds a bachelor's in science from BSc Bangalore University, PGDM from Maastricht School of Management (MSM), Netherlands, a PG Diploma in International Marketing and PG Diploma in Alternate Dispute Resolution.
Mahender Chawla, COO-Channel Operations
Mahender has over 22 years of experience across corporate and entrepreneurial assignments. He has worked with HSBC Bank for over 10 years in diverse roles in Card Sales, Branch Operations, Trade Finance etc. In his entrepreneurial journey of over 12 years, he has assisted SME clients in raising funds from FIs/Banks, preparing business strategy, policy making and due diligence services. In his last assignment as Director, Money Mitra Professional Services Pvt Ltd, he was providing virtual/outsourced CFO services to SME clients. He is also counted among the promoter team of Disha Microfin Pvt Ltd. Mahender is a qualified Cost & Management Accountant, holds a Bachelors in Commerce from Loyola College and CAIIB from Indian Institute of Banking & Finance. He is currently pursuing CS.
Pankaj Gulati - CPO
Pankaj has over 20 years of experience in financial services with Managerial & Leadership roles in recruitment, training and channel development functions. His previous stints include Associate Director (MetLife India Insurance Ltd), Consultant - Strategy & Training, New Markets SBU (Max New York Life Insurance Ltd), Manager (Max New York Life) and Officer (HSBC). He holds a Bachelor's degree in Science, an MBA EGMP (IIM-B), and an SPHR certification.
Prakash Sundaram S - CSO
Prakash joined us as Vice President Risk at IFAPL. He comes with a 16 years industry experience with involved leadership positions in microfinance over past 5 years. Holds extensive domain understanding and cross functional experience involving Finance, Technology, Risk, and Operations verticals. His previous stints include: Head Strategic Planning at Commonwealth India, Country Head at Commonwealth Uganda, Director at Commonwealth Technologies Ltd and as AVP Technology at Unilogin Technologies. His qualifications include ACA, ACCA, and DISP (UK).
Praveen Arora - COO, MFI & MEL
Praveen has over 22 years experience in retail financial services with stints across business verticals like mortgages, auto loans, personal loans, sales, collections, training and operations. His previous stints include Collections Initiative and Compliance Leader (GE Capital), Business Head Personal Loans (GE Money), National Business Manager Branch lending( GE Money), VP Home Loans (GE Money) and Product Manager Auto Loans (BNP Paribas). He holds a B.Tech from IIT and a PGDM from IIM.
Rakesh Das, Risk Head
Rakesh has over 17 years of experience in Microfinance, SME lending, Affordable Housing Finance, Financial & Operational Consulting, including three years of international exposure in 4 African Countries and Risk Management. During his professional experience, Rakesh has developed deep expertise in conducting due diligence, performing quantitative analytics, managing portfolio company relationships and developing risk management framework for companies. Rakesh has been associated with companies such as International Development Enterprises, Basix, Intellecash and his last assignment was with IFMR Capital where he was heading Risk Management function with a span of over 100 partner companies. Rakesh has completed his PG Diploma in Rural Management from XISS, Ranchi and graduation from Ranchi University. He has also completed Certification in Advanced Risk Management from IIM-A.

Raghavendra Rao T S, Head - Compliance
Raghavendra is a professional banker with nearly 25+ years of rich experience across Retail Banking, Trade Finance, Compliance, Regulatory, Operations, Product & Process, Advisory and Process Management. His past assignments have been with Indian Bank, ICICI Bank and Indus Ind bank. He has also been on numerous committees such as ICC DOCDEX Rules, Paris, ICC Banking Commission, ICC India National Executive Committee, FEDAI Technical Committee as a representative of employer bank as well as India. Raghavendra has completed his B.Sc from Bangalore University, CAIIB from Indian Institute of Bankers and CDCS from IFS, London.
Subash V, COO-South, Liability Banking
Subash has over 21 years of experience in banking industry and has had stints in Stock Invest department, Transaction Processing Unit, Document Verification Unit and Retail Banking. He has earlier worked with Karur Vysya Bank, HDFC where he was Cluster head overseeing a portfolio of 2000 crores and in his last assignment, he was National Head for Sales and Branch Channel at Lakshmi Vilas Bank overseeing over 400 branches. Subash has completed Bachelors in Science and has an MBA from Alagappa University.
Usha Murali, Chief Risk Officer
Usha is a professional banker with 30+ years of rich experience in Credit Policy, Retail Mid Office, Credit Risk Infrastructure, Loan Review, Business Banking and Agri Banking Operations. Her last role was in Global Credit Restructuring at ING Bank, Amsterdam, Netherlands. During her stint, she was involved in designing an internal control framework for the Global Team at ING, Amsterdam. Prior to this, Usha was Senior Vice President-Credit Support Group with ING Vysya/Kotak bank and a member of core team on confidential due diligence and pre-merger activities, also member of the Project Management Office, co-ordinating several key activities in the run up to the integration. She acted as the Single point of contact at ING Vysya for deliverables pertaining to Retail Assets, Regulatory Reporting and Credit Risk. Earlier, she has held senior positions in Bangalore, Mumbai, Gwalior with Central Bank of India across Branch Operations, Credit appraisal, Credit administration and Lending Operations. She has extensive experience in regulatory management such as Risk Based Supervision, BASEL and IFRS compliance. Usha has completed Bachelors Degree in Commerce from Bangalore University in 1987, ICWAI (Intermediate) in 1986 and Certified Associate of the Indian Institute of Bankers in 1993.

Venkata Jayaraman, COO -Central Operations
Venkata has over 29 years of experience in banking industry and has had stints across Retail, Corporate, Branch Banking, Forex and Operations, both Wholesale and Retail. He has earlier worked with Andhra Bank, Corporation Bank, ICICI Bank which he joined as a founder member and spent 15 years across Branch operations, Forex, Projects & Processes, Organizational Excellence, Central Processing, Quality team set-up and Cash Management . In his last assignment, he was heading Wholesale Operations & was part of Integration Management Office at Kotak-ING Vysya Bank where he spent over 6 years. Venkata has completed his PG Diploma from Annamalai University and Bachelors in Science. He has also completed the Advanced Management Program from IIM-Bangalore, CAIIB and PG Diploma in Banking.
Vivek Kothari, COO-West,MFI
Vivek has over 17 years of experience in the financial services industry. He started his career with American Express bank handling the Mumbai operation for their credit card division for close to 4 years. He then shifted to ICICI Bank managing their alternate channel for Gujarat heading a team of 200 staff. He served as Regional Sales Manager for Reliance Capital heading their Gujarat and MP operations for unsecured business division. He was instrumental in launching the Reliance Capital unsecured business in the state of Gujarat consistently leading his team as a top performing team in the country. Vivek is a graduate in science and Masters in Business Administration.