Kalpana is Co-founder and Managing Director at Svakarma Finance. She is a senior banking professional with about 30 years of experience across the Indian financial services sector with a specific focus on building consumer businesses such as banking, consumer finance, financial inclusion and unsecured lending including credit cards.

Over a 16-year career at Citibank, she was the founding member of the Cards Business for Citibank India, Head of their Women’s Banking segment and Head of Microfinance for the Consumer Bank with Citibank India. She was also Co-Founder and Director of IncValue Advisors, a boutique consulting services firm focused on strategic and execution consulting for financial institutions, private equity firms and banks, where she worked in an advisory capacity with Jana Small Finance Bank, Asirvad, Suryoday and Intellecash.

In recent years, she has been associated with the financial inclusion sector through consulting assignments and board positions.

Kalpana is a Chartered Accountant and holds a Bachelor’s degree in Commerce.

Vivek is Co-founder and Executive Chairman at Svakarma Finance. He is a senior financial services professional with over 30 years’ experience in leading and managing business initiatives across retail loans, payment products, housing finance, and has extensive experience in managing relationships with the regulators, government, public sector, financial institutions, JV partners and investors in different parts of the globe.

Previously, in addition to leading business lines in India, Poland and Taiwan, he has also managed country level responsibilities across all functions as the Country Head (Consumer) of Citibank for Turkey and Saudi Arabia and as the Country Head (Retail) for Centurion Bank in India. Vivek was also the Managing Director and Group CEO of Destimoney Group.

In recent years, he has been associated with the financial services sector through board positions.

Vivek is an MBA from IIM Bangalore and holds a BE (Hons).

Kaushik is Co-founder and Executive Director at Svakarma Finance. He is a financial services professional with over 30 years of global experience in setting up Operations, Delivery and Customer Service.

Previously, he has over 20 years of experience in Banking across senior roles in Operations & Technology with Citibank (over 15 years) and Samba Financial Group (Saudi Arabia), as Group Head – Operations & Technology at Samba and as a board member of E-serve, the BPO subsidiary of Citibank. Outside of Banking, Kaushik has been the COO of Tata-AIG General Insurance Company and has been the Global Delivery Head for General Atlantic, a US based PE fund.

Kaushik had also co-founded IncValue Advisors Pvt. Ltd, a boutique consulting services firm focused on strategic and execution consulting in the financial services sector. In recent years, he has been associated with the financial services sector through consulting assignments and board positions.

Kaushik is an MBA from IIM Ahmedabad and a fellow Member of the Institute of Chartered Accountants of India and B. Com from the University of Mumbai.

Anuradha is Co-founder and Executive Director at Svakarma Finance. She is a financial services professional with over 30 years of experience in leading and advising new business initiatives in Corporate banking, Financial inclusion and Asset management.

Previously, she held senior roles in Corporate Banking with ANZ Grindlays Bank and Standard Chartered Bank, including as Head Financial Institutions Group. During her assignment with TCS, Anuradha led the BPO initiative to craft the strategy for the new business. Later on, she led the setting up of a green-field mutual fund - Lotus India, a JV between Temasek Singapore and Sabre Capital. At Russell Reynolds Associates, she set up the Financial Services practice for the executive search business.

In recent years, she has been associated with the financial inclusion sector through consulting assignments and board positions.

Anuradha is an MBA from IIM Bangalore, a Chartered Financial Analyst (CFA), from Institute of Chartered Financial Analysts of India and holds a B. Com from the University of Pune.

Sundeep is a financial services professional with over 24 years of experience across Payments, Cards, Retail Banking and Service Delivery across diverse geographies covering India, Saudi Arabia and US.

Previously, Sundeep was with Samba Financial Group as the Business Head for the Debit Cards and Merchant Acquiring Unit. Sundeep also worked with Citibank (over 13+ years), where his last role was as Vice President for the Offshore Processes unit to monitor customer satisfaction metrics across Citibank branches.

Sundeep is a Chartered Account and holds a PGDM from Nagpur University.

Surabhi has over 15 years of financial services experience across MSME lending, wholesale lending and investment banking.

Previously, Surabhi was Vice President at Avendus Capital, where she led assignments in the financial advisory practice for financial institutions, small business finance, affordable housing finance, fintech and microfinance. Later, Surabhi founded UdyogCredit - a credit enabling and capacity building platform for MSMEs - which was recognized and empanelled by SIDBI as a handholding agency for MSMEs under the ‘Startup Mitra’ campaign.

Surabhi holds a post graduate degree in management from XLRI, Jamshedpur.

Suresh Kulkarni has over 25 years of financial services experience across Credit and Risk Management, Operational Risk, Collections, Product Development, Operations and Technology, Business Planning and Financial Control, Legal and Compliance. He has executed complex assignments, such as centralizing of back offices, developing global technology platforms and product development.

Previously, he was associated with Citibank as a Vice President – Head of Risk Management Support (Commercial Banking) and was a founding member of Fullerton India Credit Company Ltd. Later, Suresh had founded TieDot Consulting, where he provided consulting support to financial institutions across multiple advisory assignments such as setting up credit processes for SMEs.

Suresh is a Chartered Accountant, Company Secretary and has an MBA in General Management.

Taposh has over 13 years of extensive experience in project implementation, process management, and financial operations.

Previously, Taposh was associated with Yes Bank as Vice President, Risk Management, where he led the setup of the MSME Loans Credit Control Team for post-approval review of MSME loans. Previously, Taposh was associated with Volkswagen Finance and ICICI Bank in multiple roles in Operations.

Taposh is a Management Graduate from the University of Lucknow.

Sumeet is an HR professional with over 17 years of experience across key HR functions such as Performance Management, Compensation and Benefits, Manpower Planning, HR Audits, Talent Acquisition, Process Automations and Employee Engagement. Sumeet’s experience spans across multiple companies in ITES, Pharmaceuticals and NBFCs space.

Previously, Sumeet was with Manappuram Finance as Head HR for the Vehicle & Equipment Finance division. Sumeet has led multiple employee engagement initiatives and supported large teams at Firestar International (Senior. HR Business Partner); at Wockhardt (Senior Manager – Corporate HR) and at Datamatics (Senior Executive – Corporate HR).

Sumeet holds an MBA – HR from Narsee Monjee Institute of Management Studies.

Nishanth has over 7 years of experience across key functions such as business intelligence, treasury, financial planning & analysis in the financial inclusion space.

Previously, Nishanth was Assistant Vice President at Grameen Impact Investments, where he oversaw financial planning, fund-raising and portfolio origination. Nishanth was also associated with IFMR Rural Channels as a Senior Manager.

Nishanth has an MBA from the Indian School of Business and a B. Tech from IIT Madras.

Meenal has over 22 years of financial services experience across SME banking, where she led key functions such as strategy planning, team management, relationship management, project appraisals, financial analysis, and business development for banks and other FIs.

Previously, Meenal was associated with RBL Bank as Head of the SME division (Commercial Banking) for Mumbai; RBS Bank as the Head of the SME (West and South) – Commercial Banking (Mumbai) and senior positions at China Trust Commercial Bank and IDBI.

Meenal is a Management Graduate and has a MSc in Physics.

Hema is a finance professional with over 8 years of work experience across Finance, Management of Accounts Payables & Receivables, Taxation, Audit and Statutory Compliance.

Previously, Hema was with Hinduja Global Solutions Limited, where she worked as a Senior Associate, handling Finance & Accounts.

Hema is a Chartered Accountant and holds an MBA in Finance.