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.


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.


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).


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).


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.


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.


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.


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.


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).


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 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.


AVP - Finance

Rohit has more than 8 years experience in BFSI sector. He has previously worked with HDFC Securities, HDFC Bank and S V Creditline. In his last assignment, he was managing relationship of more than 35 lenders which included PSU banks , Private Banks, Financial Institutions. He also handled the rating agencies and statutory auditors. He is well - versed with Relationship Management, Fund Raising , Financial Modelling , Credit Appraisal, Treasury Management, Management reporting, IRR and sensitivity analysis , Liquidity Management etc. He has done his Masters in Finance and is a Chartered Financial Analyst.


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.






Aditya Birla Health Insurance Co Ltd






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.


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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

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