OUR BOARD

ABHISHEK SHARMAN

Nominee Director

Abhishek Sharman is Founder and Managing Director at Carpediem Capital Partners , an SME focused private equity firm targeting investments in consumer and services focused themes. Mr Sharman was previously Principal at India Equity Partners, a $350Mn India focused private equity fund. During his tenure at IEP, he worked across diverse sectors such as Healthcare, Education, Managed Services, Consumer and Financial services. Mr. Sharman has served on the boards of Ikya Human Capital Solutions, ILFS Education, Sagar Ratna Restaurants, RG Stone Hospitals and Axiss Dental and also played key role in IEP's investments in Coldex and Manappuram. Prior to IEP, he was an investment professional with SUN Group, a private equity firm focused on emerging markets, primarily Russia and India, with $2Bn in investments.
Mr. Sharman has close a decade of experience in private equity and has played a key role in investing, portfolio management and exits across more than 15 companies. Mr. Sharman serves as a member of economic affairs sub-committee of the Confederation of Indian Industries (CII). Mr. Sharman received a management degree from Indian Institute of Management, Calcutta and an engineering degree from Indian Institute of Technology, Delhi.

ARVIND C NAIR

Nominee Director

Mr. Arvind C Nair has over 35 years of operating and private equity experience across retail and consumer products companies. He provides guidance and mentoring to the investment team. Further, he is a key strategic advisor and mentor to the portfolio companies and their CEOs. Arvind Nair himself has been CEO of various well regarded Indian consumer companies and has cultivated strong relationships while building an extensive network of industry partners.
Mr. Arvind C Nair was previously Managing Director of Domino’s Pizza India, where he re-invented the business model, and restructured the team to achieve a remarkable turnaround of the business. He was responsible for differentiating the Domino’s Pizza brand by introducing to India a 30-minute delivery guarantee. Prior to this role, he was the global CEO of Jumbo Electronics Dubai, where he managed 18 divisions across multiple locations. As the Managing Director of DLF Retail, he led efforts for mall development and management of 20 malls, and launched DLF Emporio, India’s leading luxury mall.
He serves on the board of the following Fund I’s portfolio companies, Nyssa Retail Private Limited (1- India Family Mart) and Thea Kitchen Private Limited (Biryani Blues).
Mr. Arvind C Nair has received Management degree from the Indian Institute of Management (IIM), Ahmedabad.

SANDEEP PHANASGAONKAR

Independent Director

Sandeep is founder of ‘agileITvantages’ and advises enterprises, large consulting firms and PE/VC portfolio companies in digital business strategy, transformation and governance.
Sandeep was Group CIO at Access Bank, a dominant Nigerian and pan African bank. He was President & Chief Technology Officer for Reliance Capital Ltd. He led transformation in RCap in Virtualization, Mobility, Cloud Computing & Business Intelligence. Sandeep began his career with the State Bank of India. He then worked for Tata Unisys as consultant for banking technology for offshore development centers and product development. He later worked with Oracle Financial Software, a world leader in banking ERP systems as senior consultant for global pre-sales and implementations. Sandeep became Regional Technology Head of Deutsche Bank for Asia and saw the bank through its crucial Y2K phase and key implementation of cash management systems. He subsequently joined GE Capital as India CIO & took over as Global CIO of Genpact, India's largest BPO/ITES company. He led the critical IT Migration of Genpact from GE after its divestment.
Sandeep has an MBA in Finance from JBIMS, Mumbai University, a diploma in Digital Strategies for Business from Columbia Business School and certification in Artificial Intelligence, Design Thinking from MIT Sloan.

SMRITI CHANDRA

Nominee Director

Smriti Chandra runs NMI’s Indian office. Prior to joining NMI, she was a co-founder of a boutique Investment Banking outfit – First League Ventures – based out of New Delhi, for 3 years, focused on supporting start-up companies in M&A and raising seed to Series A venture capital funds across technology and consumer sectors. She has also worked at E&Y for over 10 years where she served clients in multiple sectors with a focus on transaction advisory services, including investment banking (M&A and private equity fund raising), financial due diligence and bid advisory services.
Ms. Chandra is a qualified Chartered Accountant from the Institute of Chartered Accountants of India and a Commerce graduate from Bangalore University.

YASHVANT MALHOTRA

Independent Director

Mr. Yashvant Malhotra retired from the Indian Police Service (Bihar Cadre, 1975 Batch) with extensive experience in leadership positions, overseeing policing and intelligence for the State and Central Government Police organizations including the Central Bureau of Investigation (CBI), Central Industrial Security Force (CISF), Shastra Seema Bal (SSB) and the Central Reserve Police Force (CRPF). His experience includes economic and criminal investigations in India and abroad.
Post retirement from the Police Service, he has worked with the biggest private crude oil production company CAIRN ENERGY INDIA for a period of 5 years as Head of Security & Chief Advisor designing & implementing extensive initiatives of securing all the assets of the company spread all along India.
His area of specialization includes Field Intelligence, Economic and Criminal International Investigations and Security Audits. He retired in January, 2010 from the government services as the Special Director General of Police, CRPF. In his last posting in Bihar, he served as Addl. Director General CID & Crime looking after all major crimes including economic offences etc.
He has been awarded PM's medal for meritorious service and the President's medal for Distinguished service amongst other distinctions.

ABHISHEKA KUMAR

Co Founder & MD

Abhisheka brings to the table an unique experience of being the founding team member of a new generation Micro Finance Company and Small Finance Bank in India. He has proven expertise in funds planning & mobilisation, management reporting, business planning and managing investor relations.
Prior to Sindhuja he was the CFO of Utkarsh Small Finance Bank Ltd. and the founding member of Utkarsh Micro Finance where he as part of leadership team steered the start-up to a major MFI & then to a SFB. Prior to his more than 8 years journey with Utkarsh Micro Finance and Utkarsh Small Finance Bank, he was with ICICI Bank for more than 4 years. He also had over a year’s stint at Friends of Women World Banking where he worked closely with more than 35 MFIs across India.
He is alumnus of St.Xavier’s College, Kolkata and Institute of Rural Management, Anand (IRMA).

MALKIT SINGH DIDYALA

Co Founder & COO

Malkit brings over 12 years of experience in banking and finance with reputed financial institutions like Bajaj Finance, ICICI Bank and Utkarsh Small Finance Bank. His experience is steeped in business development roles across Microfinance, MSME Lending, Mortgage Lending and Institutional Lending.
In his last role he was the Business Head for MSME & Agri lending at Utkarsh Small Finance Bank. At Bajaj Finance he conceptualised and established the financial institutions lending business. He brings to the table hardcore business development & execution skills and an unique perspective on the rural economy having worked at AMUL & IWMI in his prior stints. He also has a keen interest in technological innovations impacting financial services and inclusive finance specifically and will drive adoptions of these at Sindhuja.
Malkit is an alumnus of Regional Institute of Education, Bhubaneswar & Institute of Rural Management, Anand (IRMA).

LEADERSHIP TEAM

Shailendra Kumar

Zonal Head – JLG Operations

Shailendra has 14+ years of experience in Microfinance Business Development, Portfolio Management, Training and Development of Employees.
He has Hands on expertise in branch expansion having opened and established 120+ branches across Uttar Pradesh, Bihar and Jharkhand. He has worked with Utkarsh Small Finance Bank, SKS Micro Finance & Bajaj Allianz.

KAMLESH PRASAD

DVP – HR & Admin

Kamlesh has around 15 years of extensive experience in HR functions in Banking & Financial, Manufacturing, Education and Insurance sector. He has expertise in handling HR Operations, Payroll & Statutory Compliance Management, HR System Implementation, Grievance Handling etc. He has previously worked with AU Small Finance Bank,Hero Financial Services, Haldiram Manufacturing Ltd, Max Life Insurance, Pearson Ltd.

MANOJ KUMAR SINGH

Regional Head – JLG Operations

Manoj has 10+ years of experience in Microfinance and Micro Enterprise operations in business development, portfolio management, recruitment and training. He was responsible for business expansion in Bihar & UP. He has previously worked with Satin Credit Care and Utkarsh Small Finance Bank.

CHANDAN SINGH

Regional Head – JLG Operations

Chandan has 10+ years of experience in Microfinance and in business development, portfolio management, recruitment and training. He has worked extensively in Jharkhand & UP. He has previously worked with Spandana Spoorthy Financial Services and Utkarsh Small Finance Bank.

RAHUL BHATIA

AVP Audit & Risk

Rahul has 9+ years experience in software technology and Microfinance . His key interest areas are audit, risk and business analytics. He has previously worked with software company and S V Creditline. He is a post Graduate from Institute of Rural Management, Anand (IRMA).

AKHILESH DUBEY

AVP Accounts

Akhilesh has 8+ years of experience in Accounting,Taxation, Financial Reporting, Regulatory Reporting. He has previously worked with Utkarsh Small Finance Bank and A U Small Finance Bank.He is a commerce graduate and has done MBA –Banking & Finance and CA Final Group 1.

KAMLESH SONI

AVP IT

Kamlesh has 9+ years experience in leading the IT function for developing and spearheading IT strategy & initiatives, integrating the business operations through IT network, augmentation and maintenance of IT systems and infrastructure, Security and administration of IT databases and ensuring efficiency and effectiveness of utilization of all IT resources. He has previously worked with M Power & Fusion Microfinance.

MOHINDER SHARMA

Regional Head – JLG Operations (Rajasthan)

Mohinder has around 10 years of experience in Microfinance Business Development, Client Relationship and Training and Development. He has expertise in business expansion in new area, Risk mitigation and can manage large volumes of sales force.
He has previously worked with Tata Capital, Sahayata Microfinance, IIFL, Swadhaar Finserve and M Power.

OUR PARTNERS

BC PARTNER

TECHNOLOGY PARTNER

SOLUTION PARTNER

INSURANCE PARTNER

Aditya Birla Health Insurance Co Ltd

INSURANCE PARTNER

BRANDING & MARKETING

STATUTORY AUDITOR

KOTAK MAHINDRA LIFE INSURANCE

OUR INVESTORS

Carpediem Capital is an Indian private equity fund manager focused on the India consumption opportunity through investments in emerging SME (small and medium enterprise) leaders. Carpediem Capital’s investments are centered on two broad consumption themes - companies that are creating consumer brands or are providing organized services that have been traditionally unorganized and fragmented.

Led by senior professionals, Carpediem Capital has a strong team with a clear vision to best leverage this opportunity. The senior team has both investing and operational skills, and has rich experience and deep understanding of the sectors it focuses on.

Nordic Microfinance Initiative (NMI) was established in 2008 in Oslo, Norway as a partnership between the public sector and private investors. Norfund and IFU, the Norwegian and Danish governmental investment funds for developing countries, represent the Norwegian and Danish States. The private investors are DNB Livsforsikring, Ferd, KLP, Storebrand and TD Veen.

NMI is registered with The Financial Supervisory Authority of Norway as Alternative Investment Fund Manager (AIFM). NMI's overall goal is to strengthen the position of the poor in developing countries by helping to create jobs and prosperity on a sustainable basis. NMI combines existing experience in the field of microfinance and international development cooperation, with the capital strength and financial experience of institutional investors.

OUR LENDERS

NBFCs

Ambit Finvest Pvt Ltd

Ananya Finance For Inclusive Growth Pvt Ltd

Annapurna Finance Pvt Ltd

Arohan Financial Services Ltd

Caspian Impact Investments Pvt Ltd

Hero Fincorp

Hinduja Leyland Finance

Incred Financial Services

Kissandhan

Mas Financial Services ltd

Northern Arc

UC Inclusive Credit Pvt Ltd

Vivriti Capital

Western Capital Advisors Pvt Ltd

BANKs

Indian Bank

Bank of Baroda

Canara Bank

DCB Bank Ltd

ESAF Small Finance Bank

Federal Bank

State Bank of India

Union Bank of India

NCDs

Creation Financial Services Ltd

Registered and Corporate Office

Sindhuja Microcredit Pvt Ltd, Office No 15, 16, Fourth Floor, The I-Thum, Tower B, Plot A-40, Sector 62, NOIDA, Dist.Gautam Budh Nagar, UP 201 301

Email Address

info@sindhujamicrocredit.com

Contact Now

0120-6870873

Be Social