Mr .Govindarajan .K in Retail lending products such as Home Loans, Loan against Property, Personal Loans, Small ticket loans, Consumer Loans and TW loans to name a few, spans over two decades. Have handled sales, credit, Operations, Risk & Collections in these Retail Assets products in the last 2 decades, over 24 years have been in Pan-India sales, Product, Risk & Collections activities spread across 81 cities and towns. In this time, I met people from all walks of life and diverse locations, gaining a keen foresight into the varied kinds of financial behaviour of the people of India and the risks and returns involved in lending of Assets. I started my career with Mc Dowell Krest Finance (Jr. Manager Finance ) and subsequently worked with GE Countrywide (Area Manager), HDFC Bank (Regional Manager), Axis Bank ( Vice President - Product Head - LAP & Head Collections, in different period), and presently with SPHM as Head Customer Management. He has completed B.Com., MBA., PGDBM, eMDP from IIM Kozhikode in Strategic Management. Pursuing my PG Certification in Forensic Accounting & Fraud Examiner. Did the certification course in Leadership skills from XLRi Jamshedpur.
Meenakshi is a qualified Chartered Accountant having experience of more than 7 years in the field of Accounts and Finance. She has experience in the field of financial analysis including budgeting, forecasting, variance analysis, revenue recognition and financial reporting. She has experience in dealing with Foreign Clients, handling regular monitoring and financial analysis of the data prepared in accordance with US GAAP.Prior to Swarna Pragati, she has worked with Accenture Solutions Pvt Limited and Tata Consultancy Services as Financial Analyst. At Swarna Pragtati she's designated as Financial Controller and heads the Accounts & Finance function which includes, conducting monthly financial assessments and generating reports to be submitted to the BOD, developing financial plan and projections of the company, managing and providing ongoing training to accounting personnel, liaison with lenders, auditors and other stakeholders.
Mr. Aditya is a Housing Finance Professional with 9 years of experience in Retail Assets Housing Loans, Affordable Housing Loans and Business Loans Products. By qualification, he is a Bachelor of Commerce and holds an MBA in Finance. He started his career with IDBI Finance Ltd in Retail Loans Division in Mumbai and later moved to Reliance Capital Ltd: Housing Finance Division, Mumbai. He has extensively worked in areas of Learning & Development, Trainings, Content Development, Credit Underwriting and Credit Appraisals for Retail Assets, Housing Finance and Affordable housing finance products. In his current assignment with Swarna Pragati Housing Microfinance Pvt. Ltd, he leads the Learning and Development Function.
A seasoned HR professional with 6.9 years of experience in Human Resource. Rinky holds a MBA Degree in Human Resource and Marketing Management. At Swarna Pragati she head’s the Human Resource department which includes managing the complete employee life cycle from On-boarding to Exit. Also skilled in area of Employee engagement, Employee relations, HR policy formulation, Talent Management. Her past experience includes employment with ACC LIMITED and Abhijeet Group of companies among others.