Ashish Mehrotra is the Managing Director and Chief Executive Officer of our Company. He also serves as the Non-Executive Chairperson of Pragati Finserv, rural finance arm of Northern Arc Group and is the member of the board for Northern Arc Investment Managers, that houses our Alternate Investment Fund and Portfolio Management Service. Ashish has over 25 years of experience across Retail & Commercial Banking, Wealth Management and Insurance. In his last role, he was the MD & CEO of Niva Bupa Health Insurance (previously known as Max Bupa Health Insurance). Before that, Ashish spent over 20 years at Citibank. He was previously a Managing Director and also the Retail Bank Head for Citibank India. Ashish holds a Master of Business Administration Degree.

Bama Balakrishnan is the Executive Director and Chief Operating Officer of our Company. She currently oversees the Financial Institutions, Mid-Market Origination Business and Markets Distribution for Northern Arc. She has also served previously as our Chief Financial Officer and Chief Risk Officer. In her role as chief financial officer, she played a key role in deepening access to liabilities and completing a significant capital raise for our Company. She joined our Company on August 13, 2012, as a senior risk officer in our Company. In this role, she led the strengthening of the risk management approach as the Company scaled up across multiple new sectors. Prior to joining our Company, she worked with ICICI Bank for 10 years. She is a director on the board of Dvara Research Foundation, an organization engaged in research and policy advocacy. She holds a bachelor’s degree in commerce from the University of Madras, a post-graduate diploma in management from the Indian Institute of Management, Ahmedabad and a professional diploma in software technology and systems management from the National Institute of Information Technology. She is also a member of the Institute of Cost and Works Accountants of India and a CFA® Charterholder.

Atul Tibrewal is the chief financial officer of our Company and joined our Company on May 18, 2021. He oversees the financial activities and performance of our Company. He holds a bachelor’s degree in commerce from the University of Calcutta. He is also an associate member of the Institute of Chartered Accountants of India. He has worked as an officer (marketing accounts) at Durgapur Cement Works, a unit of Birla Corporation Limited, and as an assistant manager at Magma Leasing Limited. Prior to joining our Company, he was a senior vice president and head-treasury at Magma Fincorp Limited. He has over 14 years of experience in financial roles.

Pardhasaradhi Rallabandi is the chief risk officer of our Company and oversees risk management and risk mitigation in relation to our Company’s operations. He joined our Company on July 2, 2018. He holds a Bachelor of Technology degree in mechanical engineering from Nagarjuna University and has obtained a post-graduate diploma in management from the Indian Institute of Management, Calcutta. He has been a banker for 21 years, with over 13 years at Standard Chartered Bank. He has also worked at Allahabad Bank, Globsyn Technologies Limited, Global Trust Bank Limited and IDBI Bank. Prior to joining our Company, he was engaged as a senior credit officer at Standard Chartered Bank.

Jagadish Babu Ramadugu is the managing director & chief executive officer of Pragati. He joined our Company on December 1, 2020. His role involves the building of a rural focused and technology enabled retail financial services business. He holds a bachelor’s degree in technology (electronics and communications) from Nagarjuna University and a post-graduate diploma in management from the Indian Institute of Management, Ahmedabad. Prior to joining our Company, he was the managing director and chief executive officer of Vaya Finserv Private Limited from 2015 to August 2020. He has also worked in management and executive roles with Satyam Infoway Limited, Hindustan Coca-Cola Beverages Private Limited, Spencer’s Retail Limited and Asian Paints (India) Limited. Mr. Ramadugu has over 20 years of professional experience. Previously, Mr. Ramadugu was elected as a member on the board of the Microfinance Institutions Network (MFIN), an industry body where he also served as the chair of the credit bureau task force and was member of its self-regulatory organisation committee and the fintech committee.

Saurabh Jaywant is the chief legal counsel of our Company and oversees the legal affairs of our Company. He joined our Company on August 13, 2012. Prior to joining us, he worked at ICICI Bank. He has over 15 years of experience in companies in the financial services sector. He holds a bachelor’s degree in arts and law from the National Law School of India University.

Srividhya Ramaswamy is the Company Secretary and Compliance Officer of our Company. She oversees statutory compliance by our Company. She has served in such capacity since December 5, 2011. She has 11 years of experience in secretarial matters. She has completed her bachelor’s in commerce from Stella Maris College, Chennai and is an associate of the Institute of Company Secretaries of India. Before joining our Company, she was a whole-time company secretary of Easyaccess Financial Services Limited, an NBFC that was a wholly owned subsidiary of Redington (India) Limited.

Kalyanasundaram Chandran is the chief accounts & audit officer of our Company. He has over 18 years of experience. He joined our Company on October 1, 2009. Prior to joining us, he worked with Bharani Engineering Industries (P) Ltd., Cholamandalam Investment and Finance Company Limited, Standard Chartered Scope International Private Limited, and IFMR Trust. Within the Company, he oversees financial reporting, functional consulting related to data warehousing, material accounting and cost structure development. He has completed the chartered accountant (intermediate) examination and has a bachelor’s degree in law from the Vivekananda College of Law, Bangalore University, and bachelor’s degree in commerce from the University of Madras.

Gaurav is the chief technology and information officer of our Company and joined our Company on July 18, 2022. In his current role, he is driving technology transformation and spearheading the digital platform initiatives for our Company. Gaurav brings in 23 years of experience in building enterprise products delivering business value for global Asset and Wealth Management firms and venture backed start-ups. He has created impact by partnering with business and building products focused on enhanced client engagement, digitised processes and reduced operational risks. Most recently in his role as Head of Engineering of Stock Broking and eCommerce platform at Dhani, he led the build out of mobile app for retail equity traders and investors. He led eCommerce platform evolution through multiple business pivots. Prior to Dhani, Gaurav was VP Technology at Innoviti Payments Solutions, where he drove the company's operations transformation strategy. Earlier, Gaurav held multiple key positions at J P Morgan Chase Wealth Management and at Goldman Sachs Asset Management technology divisions across 15 years. Gaurav holds a bachelor’s degree in technology from IIT, Delhi.

Umasree Parvathy Pratap is the chief people officer of our Company and joined our Company on September 27, 2016. She has over 20 years of experience in human resources and oversees all human resource functions at our Company. She has a bachelor’s degree in commerce and a Master of Arts degree in personnel management & industrial relations from Mahatma Gandhi University. Previously, she has worked with Hindustan Motors Limited, Caterpillar India Private Limited, Food World Supermarkets Limited, RPG Guardian Private Limited, Great Wholesale Club Limited, Spencer’s Retail Limited, Invensys India Private Limited and Matrimony.com Limited. She was awarded the 100 HR Super Achievers (India) by Times Ascent and World HRD Congress in 2018.

Ravi Vukkadala is the chief executive officer of NAIM and joined NAIM on November 22, 2016. He has over 12 years of experience in credit research, risk, and fund management. Prior to joining Northern Arc, he was a senior vice president and senior credit research analyst at Invesco Asset Management India Private Limited. He has also worked at Bharti AXA Investment Managers Private Limited, JM Financial Limited, and Merrill Lynch (India) Technology Services Private Limited. Mr. Vukkadala is a Chartered Financial Analyst (CFA Institute) and a Financial Risk Manager certified by the Global Association of Risk Professionals and holds a post graduate diploma in financial management from Narsee Monjee Institute of Management and Higher Studies, Master of Information Systems degree from the Virginia Polytechnic Institute and State University and a bachelor’s degree in engineering in chemical engineering from the University of Mumbai.