Meet the team

Sanjay has over 31 years of proven expertise in general management, sales & distribution, new category development, brand management and backend operations including collections across large, blue chip financial services organisations. He has successfully launched and led new business lines for the consumer business of Citibank, HSBC and GE Consumer Finance in India and First Gulf Bank in the UAE. Prior to this, his role was to set up and manage the Lending and Payments business for Reliance Retail. Sanjay has completed his Master's in Business Administration from Lucknow University.

Rupa has over 23 years of work experience with subject matter expertise in credit risk management across retail lending products like mortgages, personal loans and credit cards. She has worked with Citibank India for over 16 years, handling various roles across retail assets and liabilities, post which she spent 3 years in the India Mortgage Guarantee Corporation Pvt Ltd. as one of the key members of the senior leadership team that launched the mortgage guarantee product in India. Rupa is a chartered accountant by qualification and has apprenticed with Price Waterhouse. She also holds a Bachelor’s degree in Economics honours with Mathematics and Statistics from St. Xavier’s College, Kolkata.

Rajesh has over 27 years of experience in Banking and Financial Services. He has done his Bachelors in Commerce from Shriram College of Commerce, Delhi University and MBA from Indian Institute of Management, Lucknow.

He Started his career with ANZ Grindlays Bank in Banking Operations and later was part of the team that launched Mortgage Loans for the Bank. Post that he moved to GE Capital India in their Consumer Finance Business and has held various positions across their group Companies. He was Regional Business Head for SBI Cards and helped the Company scale the 1 Million card mark. Post which he moved to GE Money as National Sales Manager to launch the large ticket Personal Loans wherein he built the business from start and scaled it to 70 + locations. In 2008 he took over as MD for GE Money Housing Finance and was MD for over 2 years. At GE he was recognised and awarded “GE India President’s Award” for Values and Performance Driven Culture.

In 2010 he moved to Global Delivery Centre of Bank of America as Sr. VP for Consumer Banking and Managed the Consumer Banking Operations in India. He also launched Philippines as a key delivery centre for the Bank.

In 2014 he joined DHFL Pramerica Life Insurance as Chief Distribution Officer. In a matter of 3 years he built the business significantly to establish a sales presence in almost every state of India. This resulted in DHFL Pramerica becoming one of the top 10 Life Insurance Players in India in terms of New Business Rankings.

He Started his career with T R Chadha & Co. in 2003, post which he joined GE Money Financial Services in 2005 in their Consumer Finance Business in the Internal Audit division. He also looked after the Financial Planning & Analysis (FP&A) function there.

In 2008, he moved to Religare Finvest Ltd as the FP&A Head for the NBFC division. Post-acquisition of their HFC, he was managing FP&A for both companies. He was responsible for managing the financial planning, monthly reporting, engagement with investors, portfolio buy-outs / sell-downs, assignments / securitization deals, etc. His last assignment was as the Finance Controller for both the companies responsible for closing of book of accounts, audits, inspections, planning & reporting to internal & external stakeholders.

In 2017, he moved to Hero Housing Finance Ltd. as their Chief Financial Officer. He was involved in setting up of the company across functions along with other senior members. He hired and established the finance function from scratch along with all the processes and policies for the smooth running of the company.

In his last role in 2021, he moved to Assets Care & Reconstruction Enterprise Ltd. as the Chief Financial Officer. There he was responsible for Financial closing & reporting, Internal audit, Fund raising & Information technology.

Vishal has done his Bachelors in Commerce from Kanpur University and is a Chartered Accountant (CA).

Sanjeev is a seasoned financial services professional with over 25 years of experience in Home Loans, Mortgages & Retail Assets. Prior to joining Shubham, he was heading the business and sales function for DHFL as its National Head and has also worked with leading organisations like Deutsche Postbank HFC, ICICI Bank & Aditya Birla Group at senior positions in various geographies across the country. He holds a PGCBM from XLRI and LLB from Delhi University.

HR Leader with a career span of 30+ years; 20+ years in the Indian Navy and the recent >10 years in the corporate domain across banking and NBFC sectors. Track record of positioning HR as a valuable strategic business partner vital to achieving any organization’s business growth objectives. Provide leadership and management of the full range of HR functions such as talent acquisition, employee engagement, PMS, OD/Change management, L&D, compliances, and stakeholder/team management. Partner with key executives across the businesses to drive employee engagement, morale, and performance in an environment experiencing both significant external and internal organizational change. Establish and implement short/long term corporate human capital plans, which include maintaining or improving employee relations, talent acquisition and development, succession planning, workforce planning, compensation and benefits, and performance management.

With 20 years of experience, Manjari has worked with GE for more than a decade in various roles across Operations and Underwriting and brings with her enormous experience and knowledge in these fields. She was a part of the core start up team at GE and Shubham as well and has helped shaped the core operational and credit processes and controls at Shubham.

Neeta has over 12 years of experience in Corporate legal and secretarial compliances of Listed and NBFC companies and is well conversant with SEBI, Trademarks, RBI, NHB authority norms and guidelines. She brings with herself an in- depth understanding of all regulatory and control frameworks for financial institutions in the Indian context.

With a vast experience of over 20 years, Nishant takes care of the Collection , Payment & Collateral Custody Operations at Shubham. He has a diversified operational and management experience in various domains like Hotels, logistics and e-payments. He has been a part of successful start-ups like Bill Desk and Techprocess ( Ingenico ) in his earlier assignments. He has strong man management skills and a robust process cum target oriented approach.

Tejbir is a qualified member of the ICAI and has had vast knowledge and an experience of over 12 years in the areas of Financial accounting, Auditing, Direct and Indirect Taxation, Budgeting & analysis as well as reporting. He has proven capability to structure, manage and drive financial interface and statutory compliances of an organisation with a strong ability to manage profitable growth through critical analysis of loan accounting, expense and revenue streams of the company. At Shubham, he is responsible for the management and control of all financial systems as well as reporting including direct and indirect tax compliances.

Devesh has 10+ years of work experience in the financial sector. He is a specialist in Corporate Budgeting, Financial Planning, Taxation & Banking. Devesh holds a Bachelor’s Degree in Commerce (H) from University of Delhi and he is a qualified Chartered Accountant from ICAI”.

A Post Graduate in Marketing Management and B-Com with over a decade and a half of leadership in financial retailing with leading BFSI companies in India. Successfully launched and built profitable and sustainable retail finance business.

Currently, working as National Sales Head of Shubham Housing Development Finance Company Limited since July, 2016. Leading business expansion and consumerism, in line with the Company’s Founding Vision of enabling financial access to the informal income segment.

Earlier assignments:-
•As Zonal Sales Manager at DHFL (Joined Deutsche Postbank Home Finance Ltd later amalgamated with DHFL) for 6 Years.
•Was also a part of leading and reputed organizations like ABN AMRO Bank, N.V., Reliance Home Finance (by RCL) and ICICI HFC.

Keen understanding of the housing finance industry, Informal Income, Low and Middle Income (LMI) consumer segment to drive responsible and all-inclusive consumerism.

Simmi has over 14 years of experience in retail assets & mortgages. Simmi started her career in HDFC Bank followed by mortgage credit stints in Standard Chartered Bank and Tata Capital Housing Finance. Her last assignment was with the India Mortgage Guarantee Corporation where she had the opportunity to conduct process due diligence and portfolio review of multiple mortgage lending institutions thereby gaining a wealth of knowledge on industry best practices in the housing finance industry.

Deepak has over 20 years of experience in Sales and recovery throughout his professional career. He has done hi masters from Allahabad University, MBA from Jaipuria Institute of Management, Lucknow and LLB from Chatrapati Shauji Maharaj University, Lucknow. During his tenure he has worked in India Bulls Housing Finance, U-Flex, UPL.

Gouri Shankar is a Post Graduate from IIM Lucknow & B.E. from Rajiv Gandhi Technological University, Bhopal(MP). He comes with 13+ years’ of experience in the field of Analytics & Decision Science and has a great passion towards data and analytics.

Prior to joining Shubham, he was VP-Analytics in Biz2Credit. Prior to Biz2Credit, he was associated with IBM and Mahindra Satyam.

In his previous roles, he was responsible for building and managing highly skilled team of analysts providing high end analytics (Scorecard development, Predictive modelling, Data Warehousing, Automations, Visualizations, MIS & Reporting). He has also developed Artificial Intelligence (AI) & Machine Learning (ML) solutions e.g. automated image classification, digital KYC, bank statement analyser etc. to solve business problems and build expertise in state of the art analytics.

Rohit has done his Post Graduate Diploma in Business Management from IMS, Ghaziabad and he is also a Certified Fraud Examiner (C.F.E) from Association of Certified Fraud Examiner (ACFE), USA in 2014.

He comes with around 15 years of rich experience in BFSI domain. Prior to joining Shubham he was Heading the RCU function for retail business in Dewan Housing Finance Limited.

Prior to DHFL, he was associated with Clix Capital, Hero Fincorp, Tata Motors Finance and ICICI Bank, and had served in multiple roles in Risk, Fraud control, process review and compliance domain. He has been instrumental in his past assignments in handling critical high level Investigation, Fraud loss minimization, Risk Management Automation Projects, Fintech tie-ups and Business Process Re-engineering in high volume business.