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TOGETHER WE
ACHIEVE MORE

Behind every successful company is a team that is passionate about the work they do and the people they serve.

Vistaar is fast growing to be a leading player in India’s MSME finance space. Core to our success is the natural vibrancy of the segment we serve, but in equal measure our team across who work tirelessly to offer the best possible set of products and services to underserved entrepreneurs across the nation.

Board Of
Directors

Chandrashekhar Bhaskar Bhave

Non-Executive Chairman & Independent Director

Mr. C.B. Bhave has over 41 years of vast experience in regulatory and financial services sector. He is a 1975 batch IAS officer. He worked in different positions in the Central and State Governments and also won awards from the Government of Maharashtra for his outstanding work in the area of family welfare and excellence in administration. He then worked in Securities and Exchange Board of India (SEBI) as a Senior Executive Director from 1992-1996, helping create the regulatory infrastructure for Indian capital markets.Mr. Bhave took voluntary retirement from the IAS to set up the National Securities Depository Limited (NSDL), the first depository, in 1996 and was its Chairman and Managing Director from 1996 to 2008. Mr. Bhave worked as the Chairman of SEBI, India’s capital market regulator, from 2008 to 2011. During this time, he was also the Chairman of the Asia-Pacific regional Committee and a member of the Technical and Executive Committees of the International Organization of Securities Commissions (IOSCO). He was responsible for revolutionising the Indian capital market by getting market players to accept the new system of dematerialised shares and debentures.
Mr. Bhave is currently a member of the Board of the Public Interest Oversight Board (PIOB), which is a not-for- profit foundation registered in Madrid, Spain. He is also a trustee of the IFRS foundation based in London and a member of the Regulatory Committee of Abu Dhabi Global Markets.
Mr. Bhave has a bachelor’s degree in Electrical Engineering from Jabalpur Engineering College.

Manju Agarwal

Independent Director

Ms. Manju Agarwal has a career span of over three decades in the banking sector. Her last assignment was with State Bank of India, as Deputy Managing Director (Digital Banking and New Businesses), wherein she was responsible for rolling out new digital initiatives in the Bank. She was also responsible for Debit Card Strategy, Acquiring Business, Transit solutions, Transaction Banking Business and Government Business of the Bank. Ms Agarwal has worked in SBI in multiple roles and locations including retail banking, SME banking, Agri loans, Operations.
Ms. Manju Agarwal has Core Expertise in
Retail Banking including Retail, SME and Agri-Loans, Financial Inclusion, Operations and Customer Service
Retail digital payments including IMPS, UPI, Aadhar Pay, Bharat QR.
Issuance and Acquiring business including Transit and Metro Transaction banking including Cash Management Products.
Ms. Manju Agarwal has a Post Graduate from University of Allahabad, An Associate membership of the Indian Institute of Bankers, Certification in Financial Inclusion, by Harvard Kennedy School, USA and Certification in Marketing, by IIM, Kolkata.

James Abraham

Independent Director

James Abraham has over 25 years of experience as management leader in technology companies in Americas and South East Asia. He started his career with Bell Canada, developing advanced services and business models for emerging technologies (he helped develop and launch Canada’s first Frame Relay service).
He joined The Boston Consulting Group (BCG) in Toronto in 1994 and has worked in industries as diverse as paper, appliances, oil & gas, and automotive.
In 1998, he moved to Mumbai and later Delhi to help lead the office during its early period. During this period, the BCG offices in India grew from 18 people to over 180 in 2009.
For more than 10 years with BCG in India, he has been involved in infrastructure development projects in the transport and power sector and core manufacturing. He has worked on projects in roads, buildings, oil & gas, power, and manufacturing, on issues ranging from business planning, acquisitions, organisation, and financial structuring. In 2009, James was a Senior-Partner with BCG, when he left to start and head Sunborne Energy. Sunborne is working to make solar power no more expensive than conventional power, using Indian engineering and development skills. In 2014, he launched SolarArise, which focuses on financing and managing solar-power plants over their life-time. SolarArise aims to turn solar plants into low-risk, lucrative investment vehicles, and so attract the large capital flows necessary to grow the sector. James is a fellow of the Aspen Global Leadership Network, the India-Leadership-Initiative of the Ananta-Aspen Institute, and a moderator of Aspen’s values-based leadership programs.
James earned a Bachelor of Science degree in electrical engineering from the University of Waterloo, an M.B.A. (Palmer Scholar) from Wharton, and an M.A. from Johns Hopkins University.

Shailesh J Mehta

Nominee Director

Dr. Shailesh Mehta is the nominee director. He has over 45 years of vast experience in Financial sector. He was in the founding team of First Deposit Corporation, the predecessor Company Providian. Dr. Shailesh Mehta was the Executive Vice President at the Ohio based Ameritrust Corporation (now Key Corp), where he worked for twelve years. He served as Operating General Partner at West Bridge Capital, General Partner at Invesco, Partner at Indian Operations at Providian Financial Corporation, Venture Partner at Clearstone Venture Partners. He founded the SJM School of Management in IIT- Bombay.
Dr. Shailesh Mehta did his BS from Indian Institute of Technology, Mumbai and MS from Case Western Reserve University. He holds two PhD’s from California State University and Case Western Reserve University.

Badri Pillapakkam

Nominee Director

Badri Pillapakkam is the Director,Investment Partner at Omidyar Network India Advisors.
Badri sources and executes investments across the Access to Capital initiative for Omidyar Network India, with a particular focus on financial inclusion, property rights and consumer Internet and mobile organizations. His role builds on his extensive experience in the finance and investing fields.
Immediately before joining Omidyar Network, Badri served as the vice president of investments and fund operations at Xander Advisors, a private equity firm focusing on real estate investments in India. In this role, Badri identified, evaluated, and executed investments and acquisitions; he was also responsible for numerous fund operations, including legal and tax matters surrounding investment in India. Previously, Badri worked in the financial risk management division at Exl Service, a leading provider of business process outsourcing services. He began his career in the assurance and business advisory services division of PriceWaterhouse Coopers India, where he worked on statutory and tax audits, due diligence reviews, and feasibility studies for Indian and multinational companies.
Badri is an associate member of the Institute of Chartered Accountants in India. He graduated with an MBA from the Indian School of Business, where he made the dean's list, and earned his Bachelor of Commerce from the University of Madras.

Sumir Chadha

Nominee Director

Sumir Chadha, Co-founder and Managing Director, WestBridge Delaware Advisors LLC.
Sumir has over 15 years of investing experience in India spanning public companies, private equity and venture capital.
Sumir currently serves or has served on the board of many successful investments that he has been instrumental in making including Applabs, GlobalLogic, MarketRx, Pangea3, QuickHeal, Scioinspire, Shaadi, Star Health Insurance and SKS Microfinance.
Sumir is the co-founder of WestBridge Capital and Sequoia Capital India. Prior to that, Sumir was part of the Principal Investment Area at Goldman Sachs & Co, based in New York and Singapore, where he focused on venture capital investments in services and software companies in both the United States and India. He began his career as a management consultant at McKinsey & Co., based in New York and New Delhi.
Sumir served as the Chairman of the Indian Private Equity and Venture Capital Association (IVCA), for which he led the effort to re-write a constitution. Sumir also serves on the India Advisory Board of Harvard Business School, and on the Advisory Board of the Princeton Institute for International and Regional Studies.
Sumir has an MBA (with Distinction) from Harvard University and a BSE degree in Computer Science from Princeton University.

Sandeep Farias

Nominee Director

Sandeep Farias is a Founder and Managing Director of Elevar Equity (www.elevarequity.com), a thesis based investor focused on backing entrepreneurs who deliver essential services to disconnected communities underserved by global networks. He founded Elevar on the view that: “Lack of access to basic services for any individual is really an issue of discrimination and must be challenged. It is imperative that we leverage the power of markets to scale and provide access to life changing services to millions of individuals and communities.” It is this idea that drives Sandeep to provide equity to entrepreneurs who challenge discrimination, help them prove their business model, establish the right governance, and raise additional capital to grow.
Previously, Sandeep founded the India operations of Unitus (a global microfinance accelerator) in 2004 and was Chief Innovation Officer of Unitus in 2007. He conceptualized Unitus’ India strategy, built the India team and launched a number of strategic projects for the organization. Sandeep came to the impact space from Nishith Desai Associates (NDA), one of India’s leading law firms where he founded the firm’s development sector practice, incubated new practice areas and led its corporate law practice. He also established the firm’s offices in Palo Alto, California and Bangalore, India.
Sandeep serves as a Director of Vistaar Finance, Aarusha Homes, Glocal Healthcare, Shubham Housing Finance and Madura Microfinance and has served as a Director of Ujjivan. Sandeep has an integrated Law & Arts Honors Degree from the National Law School of India University in Bangalore, India.

Brahmanand Hegde

Executive Vice Chairman

Brahmanand is the Executive Vice Chairman of Vistaar Finance. He is one of the Promoters of Vistaar.
He was a Director – Microfinance in Fullerton India, as a core member of the team which conceptualized, developed and started the Microfinance Business from mid 2007.
Prior to that Brahmanand worked in ICICI Group between 1992 and 2007, in the Rural and Microbanking Group with a range of responsibilities covering Strategy to Execution. During this phase, he worked very closely with the microfinance sector, lending to over 80 MFIs in the country with an aggregate exposure of over Rs.3,000 Cr. In his initial years in ICICI he worked for Project Financing in the Agri Business Division, responsible for implementing a special project, namely Agriculture Commercialisation & Enterprise (ACE) programme for USAID.
Brahmanand is a Post-Graduate with M.Sc from University of Agricultural Sciences, Bangalore and qualified CAIIB from Indian Institute of Bankers, Mumbai.

Ramakrishna Nishtala

Managing Director & Chief Executive Officer

Ramakrishna is the Managing Director & Chief Executive Officer of Vistaar Finance. He is one of the Promoters of Vistaar.
He headed the Microfinance Business of Fullerton India and was a core member of the team which conceptualized, developed and started the Microfinance Business from early 2008.
Prior to this he was responsible for coordinating the rollout of Fullerton India's 800-branch network encompassing technology, people and premises.
Prior to this Ramakrishna worked for over 20 years in the Eicher Group, in a variety of sectors including commercial vehicles, tractors and auto components in various functions ranging from Sales and Marketing, Strategic Planning and Implementation.
He was head of Corporate Strategy, and worked on re-structuring the Eicher Group's portfolio.
Ramakrishna is a Post-Graduate in Industrial Engineering from NITIE, Mumbai and completed his Graduation in Mechanical Engineering from Jawaharlal Nehru Technological University, Kakinada, Andhra Pradesh.

Management
Team

Sudesh Chinchewadi

Executive Vice President Chief Financial Officer and Company Secretary

Sudesh has more than 22 years of experience in handling the financial, accounting, taxation and compliance functions in various industries. He has worked with reputed MNCs like Coca Cola, Givaudan, Wienerberger prior to joining Vistaar. He is a Chartered Accountant from The Institute of Chartered Accountants of India and Company Secretary from The Institute of Company Secretaries of India.

Dr. Ashok Nagpal

Senior Vice President Head - BPS, Operational Risk and Collections

Dr. Ashok Nagpal is one of the founder employees of Vistaar and presently heads the Operational Risk, Analytics, BPS, Products & Marketing functions at Vistaar. Dr. Ashok has over 14 years of vast & varied experience ranging from Veterinary Life Sciences to various functions of the financial industry viz. Livelihood Services, Business Planning, Product Development, Rollout, Marketing, Human Resources, Strategy, Business Operations, Internal Audit, Risk Management, Credit & Collections.

Nikhil Bandi

Executive Vice President Chief Information Officer & Head of Operations

Nikhil has 21 years of experience in IT and has worked in India, US and Japan. In the past he worked as Head of IT Applications for TATA AIA Life Insurance and managed more than 40 business applications across technologies. He holds a Bachelor’s degree in engineering from Bhilai Institute Of Technology and Advanced Diploma in Business Administration from Welingkar Institute of Management Mumbai.

Sunand Sahu

Head – Internal Audit

Sunand Sahu heads the Internal Audit function at Vistaar and has a work experience spanning over 19 years.
Sunand is responsible for monitoring process adherence, ensuring compliance to statutory requirements and reviewing the adequacy of existing systems and controls from time to time.
He was associated with the Bharat Financial Inclusion (Formerly known SKS Microfinance), one of the leading microfinance company in the country and then with Fullerton India Credit Company Limited in the Internal Audit Function. He was associated with one of the largest BC in Hyderabad which had the maximum number of PSU as their corporate agents.
Before moving to Vistaar he was associated with RBL Fin serve Limited (Formerly known as Swadhaar Fin serve private limited, in Mumbai)
Sunand holds post graduate in MBA finance from the Indian School of Business Management and Administration, Mumbai.

Vinod Kumar

Head of Credit & Policy

Vinod Kumar V is the Head of Credit, & Policy at Vistaar. He comes with a rich experience of 24 years in Financial Industry. He started his banking career with State Bank of Travancore (Associate of SBI). Later he had worked with Axis Bank, HSBC, Janalakshmi Financial Services, and Ujjivan Small Finance Bank.
In his stint with HSBC he worked in the capacity of the Head of Wholesale Credit Approvals (Offshore) for the Asia Pacific Region. Before joining Vistaar he was with Ujjivan Small Finance Bank as the National Credit Manager for MSE Loans.
Vinod holds a bachelor degree in Science from MG University, PGP in Business Analytics and Business Intelligence from Great Lakes Institute of Management, and CAIIB from Indian Institute of Banking and Finance.

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