Leadership Team

Mr. Vinod Raghavan is the EVP & Chief Compliance Officer of SMFG India Credit Company Limited (Formerly Fullerton India Credit Co. Ltd.).

Vinod has over 19 years of experiences in the financial services sector. Before joining SMFG India Credit, Vinod served as Director & Group Head - Compliance, Legal & Secretarial at Navi Technologies. During his two-year tenure there, he played a pivotal role in providing oversight to the compliance, legal, and secretarial functions across Navi’s four distinct businesses, which included the holding company of Navi Technologies, NBFC, AMC, and General Insurance. Prior to Navi Technologies, he had a stint of over 15 years at Citigroup (Citi) across various entities and verticals. His last role at Citi was Senior Vice President - Compliance.

Throughout his career, he has been the recipient of multiple awards, a testament to his unwavering commitment to maintaining the highest ethical and compliance standards.

Vinod is a postgraduate in Management from SP Jain Institute of Management Research, Mumbai and has completed his B.Tech from NIT, Kozhikode.

Ajay Pareek is the Chief Business Officer of SMFG India Credit. He is responsible for leading all core businesses, Urban, Rural and Digital businesses. He also leads the Marketing and Customer Service functions.

Ajay has more than 24 years of experience in the financial services sector. He had a very successful stint of over 13 years as the Head of Urban Business at SMFG India Credit. During his tenure, he was responsible for designing the product strategy, setting up the secured and the unsecured businesses, expanding the branch network, and made significant contributions towards tapping the potential of emerging markets, third-party products, and more. He has also worked with Aditya Birla Finance Ltd., Jana Small Finance Bank, CitiFinancial Consumer Finance India ltd. and A. F. Fergusons & Co. In his career, he has been responsible for business planning, sales & distribution, launching new products & processes, credit underwriting, collections, product strategy and setting-up and running large distribution networks.

He is a Chartered Accountant and a Harvard SELPI alumnus.

As Chief Risk Officer of SMFG India Credit, Dhananjay Tiwari is responsible for identification, measurement and mitigation of risks along with inherent and control risks.

An engineer turned finance professional, Dhananjay has more than 26 years of experience across Urban, Rural and Home Finance businesses. Prior to joining SMFG India Credit, he had been associated with leading global companies including the Reliance Group, Vistaar Financials, HDFC Bank, Kotak Mahindra Primus Ltd. and Gujarat Lease Financing. He has an extensive experience in credit policy design, collection strategy, risk analytics and capacity planning. His areas of expertise include Retail credit risk management, market risk, operations risk and fraud risk.

Dhananjay holds a Master’s degree in Business Administration and a Bachelor’s degree in Mechanical Engineering from The Maharaja Sayajirao University of Baroda.

Sunil Kaw is the Head of Credit Underwriting at SMFG India Credit and is responsible for credit appraisal for all loan products.

A seasoned banker with 26+ years of experience, Sunil has an extensive experience in credit underwriting across secured and unsecured credit products of Retail and SME in India. He has a vast expertise across functions including Sales, Credit Policy, Underwriting, Analytics, Fraud Control and System development. Prior to his current role, he had also served as the Head of Risk Policy SMFG India Credit.  He has previously been associated with leading global banks such as Kotak Mahindra Primus, Standard Chartered Bank and Barclays Bank PLC.

Sunil holds a Post Graduate Diploma in General Management from EMERITUS Institute of Management, Singapore and a Bachelors’ degree in Science. 

Rahul Bhardwaj is the Chief Information Officer & Head of Operations at SMFG India Credit. In his earlier stint at SMFG India Credit between 2006-17, he held multiple leadership roles. He was responsible for designing and implementing the first full suite of Technology applications at SMFG India Credit, as well as the creation of a regional structure for operations and instituting a metric-driven delivery culture. In his illustrious career spanning more than two decades, he has also worked with Jio Payments Bank, ICICI Bank, Aptech Internet and Globus Stores.

Rahul holds a B.E in Electrical Engineering from Delhi College of Engineering and a PGDBM from IIM Bangalore.

As Chief Operating Officer (COO) for SMFG India Credit, Swami manages the operations, technology, legal, human resources, enterprise services, and CSR functions. 

With his extensive experience and proven leadership skills across a broad range of organizational priorities, Swami has played an integral role in the transformation agenda of the company. 

Driven by a strong business acumen and demonstrated versatility of operating in complex business environments, Swami has consistently delivered results and helped take strategic decisions with strong business impact. 

Swami has held leadership roles across various geographies such as Africa, Asia and Middle East, apart from India, for over 25 years of his experience in MNCs and Indian Business Houses. Before joining the SMFG India Credit family again in May 2021, he was with Sterlite Power, heading the HR function as Group Chief Human Resources Officer (CHRO) for India and Brazil. He has worked with leading companies across the globe during his career, such as Reliance Capital (as Group Chief People Officer), JP Morgan, Barclays, Standard Chartered Bank, and Accenture. 

He is a gold medalist in Engineering from Jadavpur University, and an MBA from XLRI Jamshedpur.

Pankaj Malik is the CFO at SMFG India Credit. His responsibilities include financial planning & accounting, taxation, company secretarial, corporate governance, and treasury functions.

Pankaj has over 25 years of experience and has worked in various capacities across finance & allied functions. Prior to joining SMFG India Credit, Pankaj was associated with COLT Telecom, an affiliate of Fidelity international. As their Financial Controller and Company Secretary, he was instrumental in setting up their India operations. In his earlier stints, he was associated with GE Commercial Financial and Motherson Sumi Systems Limited in various capacities.

Pankaj is an alumnus of Harvard Business School. He is also a qualified Chartered Accountant, Company Secretary, Cost Accountant and Certified Public Accountant from the State of Colorado, USA.

Sanjeeb serves as the EVP & Head of Internal Audit at SMFG India Credit, where he spearheads the organization's audit function. In this capacity, he is responsible for the overall implementation of risk based internal audit and provides vital assurance to the Audit Committee / Board and its senior management regarding the quality and effectiveness of the entity’s internal control, risk management and governance framework.

With a Chartered Accountancy background, Sanjeeb boasts a wealth of experience exceeding 20+ years in the realms of audit and risk management. His professional journey led him through pivotal roles at Citibank. During his impressive 17-year tenure at Citibank, Sanjeeb undertook key roles across all lines of defence, including internal audit, operational and emerging risk management, spanning various business lines such as retail branches, credit cards, personal loans, home loans, and other asset products. He also contributed towards strengthening mid-office functions like Treasury, Finance, and Operations, leaving an indelible mark. He spearheaded crucial projects related to GRC tool implementation and Regulatory Inventory, gaining invaluable insights into the Consumer business as a whole. 

His leadership extended seamlessly to managing inherent and residual risks within the Consumer business, with a specific focus on the 1st line of defence coverage for business lines like retail branches, ATMs, Digital Banking, and surveillance for Wealth Management, encompassing Investment and Insurance Products, as well as related support functions. He later joined Axis Bank following Axis Bank's acquisition of Citibank's India consumer business earlier this year.

Notably, he was instrumental in leading the project management office for the transition of Citibank's consumer business divestiture to Axis Bank. Sanjeeb's illustrious career also includes stints at HDFC Bank and ICICI Bank, where he contributed his expertise in Audit, Compliance, and Branch Operations.
 

Mr. Animesh Chatterjee is the Head of Treasury at SMFG India Credit Co. Ltd. (Formerly Fullerton India Credit Co. Ltd.). He has been working with SMFG India Credit for the better part of a decade, during which he has ensured seamless fundraising, investments, liquidity risk management, budgeting & planning and undertaken capital accretive activities including pool sale. He has also successfully headed the Treasury function for SMFG Grihashakti during this time, where he was responsible for overseeing fund raising, deployment of surplus fund, pool sales and maintaining lender and rating agency relationship.

Animesh Chatterjee is a Chartered Accountant with 20+ years of experience in Treasury and Finance. Prior to joining SMFG Group, he held senior positions at reputed NBFCs and MNC treasuries where he was responsible for scaling up domestic and international fund raising and surplus management.

Mr. Vinod Raghavan is the EVP & Chief Compliance Officer of SMFG India Credit Company Limited (Formerly Fullerton India Credit Co. Ltd.).

Vinod has over 19 years of experiences in the financial services sector. Before joining SMFG India Credit, Vinod served as Director & Group Head - Compliance, Legal & Secretarial at Navi Technologies. During his two-year tenure there, he played a pivotal role in providing oversight to the compliance, legal, and secretarial functions across Navi’s four distinct businesses, which included the holding company of Navi Technologies, NBFC, AMC, and General Insurance. Prior to Navi Technologies, he had a stint of over 15 years at Citigroup (Citi) across various entities and verticals. His last role at Citi was Senior Vice President - Compliance.

Throughout his career, he has been the recipient of multiple awards, a testament to his unwavering commitment to maintaining the highest ethical and compliance standards.

Vinod is a postgraduate in Management from SP Jain Institute of Management Research, Mumbai and has completed his B.Tech from NIT, Kozhikode.