Management Team

Prior to being with SPHM, Prashant was with BSE-listed Gilada Finance & Investments Limited (GFIL) as their CEO. Amongst the various other responsibilities, including some pertaining to sister companies, he was solely responsible for setting up the MSME Lending Business at Bengaluru. Prior to GFIL, Prashant supervised the fundraising efforts, accounting processes, and compliance function during his 3+ years with Light Microfinance Pvt. Ltd (LMPL). The banking stint just prior to LMPL was with Yes Bank Limited for 6+ years across two geographies wherein he had exposure to varied businesses with a focus on agribusiness and infrastructure. Prior to Yes Bank, Prashant was part of the Business Analyst Team at the credit rating agency, Acute Ratings & Research (earlier name Small & Medium Enterprises Rating Agency-SMERA). Prashant is an IRMA Alumnus (2006).

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.

Fellow Member of Institute of Company Secretaries of India and a Law Graduate. She also holds Diploma in Forex and Treasury Management from ICFAI, Certifications in Corporate Governance (NSE), Public Issue Management (NSE) and Arbitration & Conciliation (ICSI). She has over 12 years of experience in areas of Company Secretarial, Legal Affairs, Documentation and Statutory Compliance. Her past experience includes employment with WNS Global Services and Tatsuno India Private Limited among others. With her experience in legal and secretarial matters she is responsible for looking after Corporate Legal, Regulatory Compliance and Company Secretarial matters of the Company.

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.

With 14 years of experience in Credit Management Dipali leads the Credit Team She is a MBA in Finance and Rural Development. She has completed B.Sc. (Agriculture) and is currently pursuing Doctorate in Rural Finance. She started her career in Agriculture Research and later moved in BASIX, Bharatiya Samruddhi Finance Ltd and worked for 5 years. She also worked for HDFC Bank in Microfinance Division. She is with Swarna Pragati from last 7 years. Dipali brings wealth of experience in maintaining credit control and interpreting all customer business models. She has sound knowledge of various tools to perform credit analysis. She has gained her profound knowledge from real time interaction with the root level customers and has the exceptional ability to administer and operate all credit control systems.