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    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.


    Brahmanand Hegde (Founder at Vistaar Finance)
    Brahmanand Hegde


    Brahmanand is the Founder 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 (Founder at Vistaar Finance)
    Ramakrishna Nishtala


    Ramakrishna is the Founder 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.

    Board Of

    Chandrashekhar Bhaskar Bhave (Non-Executive Chairman & Independent Director at Vistaar Finance)
    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 at Vistaar Finance)
    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 at Vistaar Finance)
    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.

    Narendra Ostawal (Nominee Director at Vistaar Finance)
    Narendra Ostawal

    Nominee Director

    Narendra Ostawal is based in Mumbai, joined Warburg Pincus in 2007 and since then has been working with the firm's Indian affiliate. He is involved in the firm's Investment Advisory activities in India and evaluates opportunities in Financial Services and Healthcare sectors in India. Prior to joining Warburg Pincus, Mr. Ostawal was an Associate with 3i India and McKinsey & Company. Mr. Ostawal holds a Chartered Accountancy degree from The Institute of Chartered Accountants of India and an M.B.A. from Indian Institute of Management, Bangalore.

    Hemant Mundra (Nominee Director at Vistaar Finance)
    Hemant Mundra

    Nominee Director

    Hemant Mundra is based in Mumbai, joined Warburg Pincus in 2017 and since then has been working with the firm's Indian affiliate. He is involved in the firm's Investment Advisory activities in India and evaluates opportunities in Financial Services and Consumer sectors in India. Prior to joining Warburg Pincus, he worked at Kedaara Capital with a focus on Financial Services and Consumer and Industrial sectors. Hemant received his B-Tech in Chemical Engineering from the Indian Institute of Technology, Bombay and an M.B.A. from the Indian Institute of Management, Ahmedabad, where he was a Gold Medallist.


    Mr.Avijit Saha(MD & CEO at Vistaar Finance)
    Mr.Avijit Saha

    MD & CEO

    Avijit Saha is a well-known business professional in the fields of Banking, He has experiences across varied field of Rural Banking, Phone Banking Operations, Liability Business, Chemical Trading, Market Research, FMCG Business, and Corporate Social Responsibility. With over 30 years of experience in these areas, he has been responsible for creating and implementing different business models to develop a profitable and sustainable businesses. He has been a change agent for converting loss-making businesses to a profitable one in many of these fields. As of August 2006, he has been working with ICICI Bank Ltd. in Mumbai. As the Head of Rural & Inclusive Banking he was responsible for building up the CSR strategy for the bank as well. He served as the Business Head - Rural and Inclusive Banking. During his tenure, he was the architect in building business model for providing complete financial solution in the rural market for the Bank. During his tenure, Bank could establish a profitable business model for rural market and book grew 2 times in two years, and profit grew 3 times in the same period by converting the business from an asset-centric one to a complete banking solution to rural customers. Before ICICI, he worked at ICI Paints Ltd., Gurgaon, where he served as the Business Head for Refinish Business. He was responsible for the refinish business for ICI Paints, which was converted into a profitable one within his tenure, and as the National Sales Head for Advanced Refinish Paints, he regained ICI as the market leader with a profit growth of 80% in that period. He possesses extensive board experience that includes being a Nominee Director in FINO Payment Bank, and a Nominee Director in NERL, to name a few. Avijit Saha's academic qualifications include a PGDM (Marketing & Operations) from IIM, Lucknow, India, and a BE (E & TC) from Indian Institute of Engineering Science & Technology, Sibpore, India. He has won several awards for his finance initiatives such as Best Financial Inclusion Initiative by IBA in 2011, Awarded ICICI DNA exemplar for ‘Leadership through Execution' in 2016, and much more.

    Amit Mukherjee (Executive Vice President & Chief Risk Officer at Vistaar Finance)
    Amit Mukherjee

    Executive Vice President

    Chief Risk Officer

    Amit Mukherjee is the Chief Risk Officer at Vistaar Financial Services Pvt Ltd. He comes with a rich experience of 20 years in lending and banking Industry. He started his banking career with ICICI Bank Ltd, worked in various areas of underwriting and risk functions of Mortgage Loans, Vehicle loans , Commercial Business, Channel finance – SME and other working capital , Unsecured loans, Cards underwriting, Rural Agri business across Geographies. His last stint in ICICI bank was in leadership role , heading all retails products underwriting and retail operations team for Eastern Zone of the Bank. Before joining Vistaar, he was with Bajaj Finance Ltd as the Chief Risk Officer responsible for SME- Secured Business. Amit holds a bachelor degree in Commerce from Calcutta University and Post Graduate qualification of Chartered Account from ICAI.

    Dr. Ashok Nagpal (Executive Vice President & Head- Products at Vistaar Finance)
    Dr. Ashok Nagpal

    Executive Vice President & Head- Products

    Dr. Ashok Nagpal is one of the founder employees of Vistaar & presently heads the Products. With over 17 yrs of varied experience, he is skilled in Product Development, Business Operations & Expansion, Marketing, Business Planning, Analytics, Credit, Collections, Risk Management (incl. RCU, Ops Risk & Internal Audit), Process Standardisation, Strategy & Human Resources. He is a Veterinarian (Gold Medalist) with PGP-ABM from IIM-Ahmedabad.

    Chandrashekar Natraj (Senior Vice President & National Collection Head at Vistaar Finance)
    Chandrashekar Natraj

    Chief Debt Servicing Officer

    Chandrashekar has an overall 23 years of experience in sales, marketing & collections with diverse experience across industries varying from BFSI, Retail, TimeShare, Telecom & Payment Solutions. He has a demonstrated history of managing large businesses, distribution networks, business expansion, collections, cross-functional Team Leadership, P&L and business strategy. Chadrashekar has strong business acumen with expertise in creating business development procedures, distribution channel standards, sales & marketing penetration strategies as well as service plans and guidelines with a clear understanding & experience of operating each of the designated territories / business / Collection units as a separate profit centre. He has led large teams through the lending journey, impacting lives of many customers & employees with innovative products, solutions and services. He has a proficiency in managing business operations with key focus on bottom line profitability and customer satisfaction by ensuring optimal utilization of resources as well as hand holding of business partners & other key stakeholders. Chandrashekar’s professional pursuit is to build great teams, spark creativity, innovation and ethics in people while leading them to create a better livelihood. He has a Graduate degree from Bangalore University with an Executive Programme in Business Management at IIMC.

    Prashant Kani (Senior Vice President - Chief Financial Officer  at Vistaar Finance)
    Prashant Kani

    Senior Vice President - Chief Financial Officer

    Prashant Kani is the Chief Financial Officer at Vistaar Finance. He is responsible for functions of Finance, Treasury & Compliance. He has experience of more than 15 years in the area of audit, financial control and reporting, budgeting & planning, treasury management, MIS and investor relations. He has previously worked with John Distilleries. Prashant is a qualified Chartered Accountant and Company Secretary.

    Nirbhay Kumar Singh (Executive Vice President Chief Information Officer at Vistaar Finance)
    Nirbhay Kumar Singh

    Executive Vice President
    Chief Information Officer

    Nirbhay carries more than 20 years of experience in Software Development, Delivery and Onshore/Offshore production support experience with last 6 years in business relationship, strategy, program management and delivery, program budgeting, operations and resource management. Nirhhay exhibits strong Project Management skills with experience in BFSI and Healthcare domain and has an extensive on-site software development and Implementation experience in India and in abroad (japan/US). He earlier worked with Nucleus Software Exports Ltd where he was working as a Global Delivery Head.

    Kapil Bharatan (Chief Human Resource Officer at Vistaar Finance)
    Kapil Bharatan

    Chief Human Resource Officer

    Mr. Kapil Bharatan is the Chief Human Resource Officer of Vistaar Finance. He has over 20 years of experience primarily in the BFSI sector. He has previously worked in the organizations like HDFC AMC, Axis Bank, Kotak Mahindra Bank and Flextronics Inc. His core areas of interest are job evaluation, organization development & talent management, change management, HR technology and human process work. Mr. Kapil Bharatan has done his PGDM from Kirloskar Institute of Management

    Mayank Vajpeyee (Vice President & Head – Central Operations at Vistaar Finance)
    Mayank Vajpeyee

    Vice President & Head – Central Operations

    Mayank Vajpeyee, is Head of Central Operations. He has more than 16 years of experience in Banking and Finance industry, having worked with ICICI Bank Ltd and HDFC Bank Ltd, before becoming part of Vistaar. Mayank is a certified Six Sigma Black Belt professional and, after completing his Engineering in Electronics, did his PGDM in Marketing from Nirma Institute of Management.

     Maria Thomas Raj (Deputy Vice President & Head - Internal Audit at Vistaar Finance)
    Maria Thomas Raj

    Deputy Vice President & Head - Internal Audit

    Thomas has 15+ years of experience that encompasses all aspects of handling in-house and overseas clients, Internal Audits, Strategic & Account planning, Taxation, Budgeting, Financial & Statutory Audits, Process Improvement, Consultancy Services, Tax Assessments, Training & Development including Team Management. He was earlier associated with Sunil Fernandes & Associates, Chartered Accountants, Bangalore. At Vistaar, Thomas is responsible for monitoring Internal Audit processes and providing an objective report to the Board Audit Committee on Governance, Risk Management & Controls. Besides, ensuring compliance with statutory requirements and periodic review of the adequacy of existing systems and controls. Thomas is a CA-Inter and a Graduate of Commerce from CHRIST COLLEGE (Deemed to be University), Bangalore, Karnataka.

    Shivani Agarwal (Chief Compliance Officer & Company Secretary at Vistaar Finance)
    Shivani Agarwal

    Chief Compliance Officer & Company Secretary

    Shivani, a Commerce Graduate and seasoned Company Secretary, boasts a rich professional trajectory spanning over 9 years. Specializing in Secretarial & Legal Compliances and Corporate Governance, she brings a wealth of experience to her role. Prior to joining Vistaar, Ms. Agarwal held the position of Company Secretary at Janakalyan Financial Services Private Limited, an RBI-registered NBFC-MFI. Her noteworthy contributions were pivotal in ensuring regulatory adherence and fostering governance within the organization. In her earlier engagements, Ms. Agarwal showcased her proficiency while working with Jamuna Transport Private Limited, a prominent freight company in the eastern region, and Venkateshwara Industrial Promotion Co. Ltd, a distinguished CSE listed entity. Her diverse background underscores her ability to navigate complex regulatory landscapes and contribute meaningfully to corporate success.


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