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Management Committee

Sudeep Bhatia, Chief Finance Officer

Sudeep is a senior business leader from Banking and Financial Services industry, with over 18 years of rich experience in Business Development, Corporate Finance, Business Strategy, Mergers & Acquisitions, Investor Relations, Private Equity, Capital Raising, Financial Control, Taxation and Regulatory Matters.

He started his career with Deloitte and has garnered extensive experience, including several international assignments, during his success journey. He has performed in several key Senior Leadership, Executive Committee and Board positions with large conglomerates, banks and financial institutions including Macquarie, Tata Capital, Citi Bank, GE Capital, Unilever and Infrastructure Leasing & Financial Services.

Sudeep is a qualified Chartered Accountant, Cost Accountant and Certified Public Accountant from United States. He likes to invest his time reading professional and wisdom literature and follows an active lifestyle regime.

Tushar Chandorkar, Head – Sales

Professional with a 15+ years of experience in launching and managing retail asset finance products including Secured & Unsecured Loans in various organisations and has managed large teams across geographies through direct & indirect channels.

Previously with Bajaj Finance Ltd. based at Pune as Project Head - Mortgages managing Sales productivity & special projects for Loan Against Property. Extensive knowledge and rich experience in Channel Management, Debt Management, Sales & Distribution, Retail Asset Finance, NBFC Operations, large business Alliances.

Prior to Bajaj Finance, he has also worked with Tata AIA Life, American Express, HSBC, E-Serve and Coca-Cola in Sales & Collections. His exposure to diversified industries has helped him in formulating marketing strategy, development of an economic business case and execution of business plan. Hands-on experience in managing new business through key accounts & establishing strategic partnerships. Established credentials in handling various products like Business Loans, Personal Loans, Professional Loans, Loan Against Securities.

Tushar graduated from DAVV, Indore in 1998 and has a Master’s degree in International Business from Devi Ahilya University, Indore. He has also completed a Executive Program from IIM, Kolkata in Sales & Marketing in the year 2011.

He was a National level Football & Basketball player having represented in Madhya Pradesh.

Ashutosh Puntambekar, Head - Alternate Products

Ashutosh Puntambekar is a banking professional with around 14 years of work experience. He has previously worked with Axis Bank where he worked on various products/segments like Cash Management Services, Current Accounts and SME Banking Group. He was part of a team which set up the Business Banking Lending business in Pune and Rest of Maharashtra.

Ashutosh then worked with RBL Bank Ltd where he was instrumental in setting up the Commercial Banking (SME and Mid-Corp)business for the Pune region from scratch. He also had a two year stint with Mahindra & Mahindra earlier in his career.

Ashutosh is a commerce graduate from Pune University and is a PGDM from Symbiosis, Pune.

He was also a national level table tennis player having represented Maharashtra in various tournaments.

Suhas Gore, Head – Credit

Suhas Gore began his career with the Company as a fresher in December 1995. He has served EFL at senior positions in different parts of the country, handling various responsibilities. He is credited with the addition of many machine tool manufacturers to EFL's list of principals, including some of the top ones, and has developed new business verticals at EFL. With his immense field experience, he is always a part of the strategic decision making at EFL, and currently heads its credit department.

Suhas holds a B.Sc. (Physics) and an MBA (Finance).

Kunal Dhingra, Head - Marketing & eCommerce

With a combination of technology and business know-how, Kunal's over thirteen years of professional experience encompass handling specialized areas of Online/eCommerce Business, Online Sales & Marketing, Business Development and Product Development (Online Portals). Being responsible for the Profit & Loss functionality of Strategic Business Units, Kunal has had the opportunity to lead large teams of individuals based out of multiple locations and varied functional areas.

His core expertise lies in handling P&L, Strategy, Business Development, Sales & Marketing and translating revenues using Online/eCommerce as the medium.

Kunal holds a Bachelor in Computer Engineering as well as Postgraduate Diplomas in Business Management (Marketing & International Business) and Senior Management Program from the Indian Institute of Management, Calcutta (IIMC).

Rajendra Bisht, Head - Information Technology

Rajendra is a senior IT professional with a rich experience of over 26 years in Information Technology (IT) domain, including IT Operations & Delivery Management, Program Management & Business Analysis. Having worked for various blue chip corporate, mainly in NBFC domain, Rajendra has provided cutting edge & cost effective solutions to businesses on various technology platforms, including Web, 3rd party Products, SAP, Mobility, Social media & more. Rajendra believes in the philosophy of being more of a strategic business partner to the business unit heads & assist them in achieving their business goals by discovering how to best leverage the technology.

Rajendra started his successful career with GE TFS Ltd., post which, he worked with Times Guaranty Financial Ltd, Tata Technologies Ltd. & his last assignment was with Tata Motors Finance Ltd., wherein he worked for over 18 years. In all his previous assignments, he has repeatedly & consistently adopted new technologies & application of new techniques while minimizing risk for businesses to achieve targets in cost effective manner.

Rajendra is a post graduate professional in Information Technology. Besides providing Technological solutions as a passion, Rajendra is also an avid long distance marathon runner with interest in spirituality & reading non-fictional books.

Amit Gadre, Head - Operations, IT, Admin & Accounts

After starting his career as a Financial Advisor & working in a broking firm for 4 years, Amit associated himself with EFL & since then he has handled multiple roles & responsibilities in the organisation, including Sales, Operations, Strategy, Accounts and Administration. Amit’s rich experience of over 24 years has contributed immensely to the growth of the company and today Amit heads multiple departments which include IT, Operations & Administration.

Amit has a M.Com and a Diploma in Financial Services, both from Pune University.

Being an ACE Table Tennis player, Amit has not only achieved accolades at the State & National level, but he also believes in passing on the skills to the younger generation & has coached more than 100 future champions.

Ashwini Shivram, Head - HR & CSR

Ashwini Shivram is a seasoned HR professional with more than ten years of experience in Human Resource Development and Management. She has wide-ranging industry experience, having worked in BFSI, manufacturing, service, and IT companies like Kalyani Steels, MINDA Industries, Paranjape Schemes & Supertech Solutions Ltd. Her key strengths include talent acquisition, performance management, succession planning, employee engagement, capability building and overall organizational development, and she is well-experienced in conceptualizing and implementing innovative HR practices in consultation with top management.

Ashwini holds a Master's Degree in HR and a Diploma in Training and Development.

Minhaj Malik, Head Collections

Prior to this, Minhaj was the Head-Task force at L&T finance limited. He was responsible for the resolution of chronic cases.

Prior to that he has worked with Srei BNP Paribas, Family Credit, GE Capital, Tata and Citigroup. During his tenure of 12 + years he has held many key positions in Sales and Collections. He has an extensive prowess in handling collections of commercial equipments, secured and unsecured funding.

Minhaj is a B.Com Graduate and holds PGDBM degree from Centre of Management Development, Modinagar.

Outside of his passion for collections, Minhaj enjoys exploring new places, watching movies and spending time with his friends and family.