Mr. Tripathy has over 18 years of professional experience in the field of Financial Inclusion, micro/rural finance, MSME. He has worked across a variety of functions viz. Sales, Strategy and Business development, Product development, Business planning & analytics. He was leading MSME business in his last assignment at Bharat Financial Inclusion Ltd, prior to which he handled large sales & distribution network at BFIL disbursing micro-loans, mobilizing small savings & leveraging cross sell opportunities. Prior to CFL, Mr. Tripathy was associated with organisations such as YES Bank Ltd, ACCION International, IFMR Trust. He is an MBA from Institute of Rural Management, Anand (IRMA).

Mr. Ashutosh Sharma has 22 Years of professional experience in the areas of Secured & Unsecured Lending in NBFCs, Banking and Insurance. He has worked in various functions and was leading Business, Collections, Customer Service and Retention for North India in his last role with Shriram Housing Finance. Mr. Ashutosh Sharma was associated with Shriram Group, Indiabulls Housing Finance, HDFC, HSBC, Reliance Capital. He is having a vast experience in handling large sales and distribution network of big portfolios in his previous assignments with Shriram Group & Indiabulls Housing Finance. He is an Engineer with MBA in Marketing and Finance.

Mr. Melwin has 22+ years of experience in MSME Lending space with various banks and NBFCs. He has extensive experience in various functions, viz, Sales, business development, product design & development, product launch, credit underwriting etc. He has been in the leadership positions with ICICI Bank Ltd, HDB Financials Ltd, Capital First Ltd, Neogrowth Credit, Adani Capital Pvt Ltd. Prior to this he was heading the micro enterprise loan vertical at DvaraKGFS. He is an Economics graduate and MBA from Bharathiyar University, Coimbatore.

Mr. Venugopal is an experienced professional, over 22 years of rich and varied experience in the Banking and Financial Services industry. His expertise spans process management, internal controls, and client servicing, with significant proficiency in retail assets operations and microfinance. He holds an MBA and has completed executive certification programs in “Operations Management and Six Sigma” from IIM Raipur, and “Digital Transformation” from ISB. Prior to this, he worked at organizations such as BASIX, ICICI, HDFC, AXIS, L&T, AVANSE Financial Services, and IKF Home Finance.

Mr. Arun Kumar has an experience of over 19 years across NBFC’s & MFI in Sales, Distribution, Marketing and Strategy. He has experience of launching business in multiple organisations in the financial service sector. His last assignment was as SBH – Kerala in Bharat Financial Inclusion Ltd. Prior to this, he worked in organisations like Vanchinad Finance & CCIL. Mr. Arun Kumar holds a bachelor’s degree in commerce from Osmania University, Hyderabad.

Mr. Anand Vasudev Bhat is a seasoned professional with over 11 years of experience, including 6 years in Financial Services. A Law graduate from ILS Law College, Pune, he is also a qualified Company Secretary, holds a B.Com degree, and has cleared the Intermediate level of ICWAI. In his last role at TVS Credit Services Ltd. he served as Company Secretary and Compliance Officer, overseeing regulatory compliance, RBI inspections, statutory filings, equity infusions, and the issuance of debentures and commercial papers. He has also contributed to M&A and demerger activities, demonstrating expertise in legal, governance, and listing regulations. His prior experience includes roles at Asirvad Micro Finance, Agro Indus Credits, Nikitha & Associates, and Jeevan Telecasting Corporation.

Mr. Lakshmi Kanth is a versatile professional with expertise in quantitative environment and a strong business background. He has over 20 years of experience in credit underwriting and risk management for Home Loans, Mortgage Loans, Gold Loans, Commercial Vehicle Loans, and Healthcare Equipment Loans. Lakshmi Kanth has worked with several banks and financial services companies, including Ujjivan Small Finance Bank, Karvy, Deutsche Postbank Home Finance Ltd, Reliance Capital & IDBI Bank. In his most recent role, he served as Head of Risk, Audit, Product, Credit Compliance, and Digital Implementation at IKF Home Finance Limited. He holds an MBA in Finance from Nagarjuna University and a CFA from ICFAI University.

Mr. Murari has over 10 years of experience in the areas of Finance, Accounts, Audit & Taxation, Financial Reporting, Budgeting & Forecasting and regulatory audits. He is associating with Criss Financial Limited (CFL) since November 2021. Prior to CFL he was associated with organizations like PACCS Healthcare as HOD Finance & Accounts and in various leadership capacities with JSS Pro Services and Italia & Associates. Mr. Subrahmanyam Murari is a Chartered Accountant from the Institute of Chartered Accountants of India, a Cost Accountant from the Institute of Cost Accountants of India and holds bachelor’s degree in finance & accounts.

Mr. Praneeth has over 19 years of work experience. He was associated with BFIL as Application Head of business loans, where he was heading application team for all in house LOS application development and vendor based LMS application. He had various technical positions in the same company as application head for MFI, LAP and MIS systems. He holds an MTech from BITS Pilani and B-Tech in Computer Science Engineering from JNTU.

Mr. Amit Saxena has over 14 years of versatile experience in the field of Legal with different industries such as NBFC- MFI, Banking, Telecom and Oil & Gas industry. His expertise lies in handling key matters like Banking, Corporate & Financial matters, Property Search & related issues, Contractual Matters, Real Estate, Consumer Matters, Recovery Matters, Project Advisory, Land & Acquisition. He did his Master’s in business law and has done Law (Hon’s) 5 years integrated from Lucknow University. Prior to this, he worked at organizations such as Bharat Financial Inclusion Ltd, HDFC Bank, Indus Towers, Tower Vision, JV of GAIL India & Bharat Petroleum Ltd.

Mr. Vijay Kumar has over 13 years of experience in auditing within the NBFC and Microfinance sectors. His expertise includes MSME secured and unsecured loans, loans against property (LAP), housing loans, affordable housing loans (AHL), gold loans, and joint liability group loans (JLG). Mr. Vijay has worked with various NBFC-MFIs and NBFCs, including Muthoot Finance Ltd, RBL Finserv Ltd, HDB Financial Services Ltd, and Muthoot Homefin India Ltd. He has managed large audit teams and played a key role in the end-to-end digitization of audit systems in his previous assignments. He holds a bachelor’s degree in commerce from Andhra University, Visakhapatnam.

Mr. Gangadhar Anupoj, comes with 18+ years of experience in the areas of Risk Management and Business Analytics. Across his career he has worked with various Organizations like Utkarsh Small Finance Bank, ODA, TCS, HCL, Standard Chartered Bank, DBS. Cholamandalam and Indiabulls Securities. His was last associated with Grihum Housing Finance Limited as an Associate Vice President- Risk.

Mr. Naveen has 10+ years of experience in the areas of Cyber Security, Information & Network Security. He started his career as Research Associate in IDRBT which is RBI Subsidiary company. He carries ample amount of Tech knowledge into building robust Cyber Security posture. Prior to joining CFL, he was associated with IFTAS (Subsidiary company of Reserve Bank of India) as a Team Lead.

Mr. Jimmy Richard, a seasoned HR leader with over two decades of experience across the ITES, Healthcare, and BFSI sectors, possesses extensive expertise in overseeing diverse human resource functions. His proficiency is particularly evident in areas such as digitization, employer branding, process improvement, and cultural transformation. Prior to this, Mr. Richard made significant contributions to esteemed organizations including Apollo Healthcare, Yashoda & Graviti Pharma, GE Capital, HSBC, and Satyam Groupe. His academic credentials include a postgraduate degree in human resources from Symbiosis.