Business Head - JLG North
Business Head - JLG North
Nagendra has over 22 years of experience in banking and financial services, with expertise across sales, marketing, product development and business development.
Prior to joining Sindhuja, he was associated with Bharat Financial Inclusion Limited (BFIL) as Zonal Head (Central) – SI & BD. He also played a key role in the growth of the micro-banking and microfinance businesses at RBL FinServe Limited (erstwhile Swadhaar FinServe Limited). His experience includes working with emerging financial services businesses, including Paras Capfin and BSFL.
He brings strong capabilities in business development, stakeholder management, relationship management and execution, along with extensive experience in the microfinance sector.
Nagendra holds a B.Sc. in Agriculture and an MBA.
Head Credit - MSME
Head Credit - MSME
Pravin has over 20 years of experience in financial services, with expertise across business development, credit underwriting, project management, institutional development, strategy and policy formulation.
Prior to joining Sindhuja, he worked with Accion, Utkarsh Small Finance Bank, Ujjivan Small Finance Bank and ICICI Bank. Over the course of his career, he has gained extensive experience in credit, business strategy, technical assistance, project execution and team management.
Pravin holds an MBA from Xavier Institute of Management (XIM), Bhubaneswar.
National Sales Manager - MSME
National Sales Manager - MSME
Dr. Satyapal brings over 20 years of financial services leadership to Sindhuja as National Business Head–MSME. He commands the national portfolio strategy, specializing in private credit, institutional risk governance, and asset quality optimization across emerging markets.
Prior to Sindhuja, he held senior executive roles at Mahindra Finance, HDB Financial Services, Freedom Financial Planners, and Sundaram Finance. He has an exceptional track record of spearheading greenfield operations, establishing regional frameworks, and driving multi-fold MSME asset growth across North and Central India while maintaining absolute control over delinquencies.
He holds an internationally vetted Ph.D. from Bharathiar University evaluating MSME Financing Schemes, with peer-reviewed publications in Kanpur Philosophers and Bengal Past & Present alongside frameworks presented at the Financial Innovations Conference and ICSSR Seminar. Additionally, he holds an MBA in Finance from NIT Tiruchirappalli, a Master’s in IT from MAHE University, and a B.Sc. in Mathematics from CCSU Meerut.
Senior Zonal Head - MFI
Senior Zonal Head - MFI
N. Ramakrishna has over 20 years of experience in microfinance and MSME financing, with extensive expertise in business development, branch expansion, credit underwriting, operations, and portfolio management. His strong grassroots experience has given him a deep understanding of customer needs, market dynamics, and the operational aspects of the microfinance sector.
Prior to joining Sindhuja Microcredit, he worked with reputed organizations including BASIX, Trident, Fullerton, Sub-K, and Pradakshana Fintech Private Limited. He has significant experience in managing business growth, improving operational efficiency, and implementing new products and processes. He holds an MBA from Osmania University, awarded in 1996.
Zonal Head - MFI
Zonal Head - MFI
Rajeev has over 15 years of experience in inclusive finance and microfinance, with expertise in business growth, branch expansion and managing operations across diverse geographies.
Prior to joining Sindhuja, he worked with Satin Creditcare, Belstar, MIMO and Shikhar. In his most recent assignment with Inditrade Microfinance, he was responsible for business operations across Gujarat, Madhya Pradesh and Bihar. His experience spans multiple markets across North, Central and Western India.
He holds an MBA in Rural Management from G.B. Pant Social Science Institute, Allahabad, and has undergone training on Client Protection Principles.
Zonal Head - MFI
Zonal Head - MFI
Chandan has over 10 years of experience in microfinance, with expertise in business development, portfolio management, team building and training.
He has extensive operational experience across Jharkhand and Uttar Pradesh and has previously worked with Spandana Sphoorty Financial Limited and Utkarsh Small Finance Bank. His experience includes managing business growth, portfolio quality and field teams across diverse markets.
Zonal Head - MFI
Zonal Head - MFI
Vinod has over 20 years of experience in microfinance and banking, with extensive expertise in business development, portfolio management and large-scale field operations.
Prior to joining Sindhuja, he held senior leadership roles with Svamaan Financial Services, Fusion Microfinance, Fino Finance and Utkarsh Small Finance Bank. His experience includes managing large microfinance and MSME portfolios and extensive branch networks across multiple states as UP, BR JH with responsibility for business growth, portfolio quality and large field teams.
Vinod holds a B.Ed. from Agra University. M B.A. in marketing and Finance from Swami Vivekanand Subharti University.
Company Secretary & Chief Compliance Officer
Company Secretary & Chief Compliance Officer
Pankaj has over 16 years of experience in corporate secretarial, legal and compliance functions, with expertise in corporate governance, regulatory compliance, company law and legal matters.
Over the course of his career, he has handled Board and corporate secretarial matters, mergers and amalgamations, drafting and vetting of agreements, statutory and regulatory compliances, and liaison with regulatory and government authorities and legal advisors. Prior to joining Sindhuja, he worked with National Industrial Corporation Limited and Rama Paper Mills Limited and its subsidiary.
Pankaj is an Associate Member of the Institute of Company Secretaries of India (ICSI) and a Commerce graduate from Banaras Hindu University (BHU), Varanasi.
Head - Finance
Head - Finance
Rohit has over 14 years of experience in banking and financial services, with expertise in fund raising, financial planning, budgeting, forecasting and management reporting.
Prior to joining Sindhuja, he worked with India Shelter Finance Corporation, SVCL, HDFC Bank and HDFC Securities. His experience includes financial analysis and translating complex financial information into actionable insights to support management decision-making.
Rohit is a Commerce graduate and holds a Master's degree in Finance from ICFAI University, along with a CFA certification.
Head - Accounts
Head - Accounts
Akhilesh has over 10 years of experience in accounting and finance, with expertise in accounting, taxation, financial reporting and regulatory reporting.
Prior to joining Sindhuja, he worked with Utkarsh Small Finance Bank and AU Small Finance Bank, gaining experience in the accounting and reporting functions within regulated financial institutions.
Akhilesh is a Commerce graduate, holds an MBA in Banking & Finance, and has cleared Group I of the CA Final examination.
AVP - Audit and Risk
AVP - Audit and Risk
Pankaj has over 11 years of experience across financial services, fintech and other sectors, with expertise in audit, risk management, grievance redressal, business development and stakeholder management.
At Sindhuja, he has been leading the Audit, Risk and Grievance functions for over four years. Prior to joining Sindhuja, he worked with Jai Kisan, Paytm, AAVIN (Tamil Nadu Cooperative Milk Producers' Federation) and Tata Consultancy Services (TCS) across business development, key account management, marketing and technology roles.
Pankaj is a management graduate from the Institute of Rural Management Anand (IRMA) and holds a B.Tech. in Computer Science & Information Technology from Rohilkhand University.
AVP - Human Resource
AVP - Human Resource
Pallavi has over 13 years of experience in Human Resources across diverse sectors, with expertise in strategic HR, organisational development, talent management, employee relations, change management and statutory compliance.
Her experience includes strengthening organisational culture, employee engagement, performance management and HR operational effectiveness, with a focus on building people practices that support organisational growth.
Pallavi holds a Post Graduate qualification in Human Resources from IMT Ghaziabad in 2015 and a B.Tech. in Computer Science from JSS, Noida in 2011. She is also certified in performance management by Aon Hewitt.
AVP - Compliance
AVP - Compliance
Sanchiyta has over 15 years of experience in compliance, legal and corporate governance functions, with expertise in RBI regulatory compliance, corporate and commercial laws, statutory compliance, contract management and governance matters.
Prior to joining Sindhuja, she worked with SVCL, Religare Finvest and ZipLoan in the NBFC sector. Her experience includes regulatory and Board-related matters, legal advisory, drafting and vetting of agreements, compliance audits and liaison with regulatory and statutory authorities.
Sanchiyta is a Fellow Member of the Institute of Company Secretaries of India (ICSI), holds an LL.B., and is a certified POSH trainer.
DVP - HR, Recruitment & Training
DVP - HR, Recruitment & Training
Vimal has over 18 years of experience in Human Resources across BFSI and consulting, with expertise in talent acquisition, talent management and development, performance management, workforce planning, HR compliance and HR analytics.
Prior to joining Sindhuja, he worked with Indiabulls Housing Finance, Max Life Insurance, Canara HSBC Life Insurance and Adecco India. His experience spans strategic HR planning, employee engagement, HR systems and process development, and managing large-scale recruitment and people initiatives.
Vimal holds a Master's degree in Human Resources from GJU, Hisar, a Post Graduate Diploma in Human Rights, and an LL.B. (Hons.) from MDU, Rohtak. He is also OPQ32r psychometric assessment certified by SHL.
