Kaushik is a seasoned professional who brings along an extensive experience of more than 17 years in retail mortgage business. He has worked in diverse functions spreading across risk, policy, products, regulatory framework, credit, sales, team building, new initiatives and development of franchise. He joins us from India Infoline Housing Finance where he has been the Chief Risk Officer and Instrumental in the launch of retail home loans with complete bouquet of products offerings within a very short span. Kaushik was also the Head of Credit & Policy with Indiabulls Housing Finance prior to joining India Infoline. Even prior, he has worked in multiple capacities with ICICI Bank Home Loans & BHW Birla Home Finance. As the Group Chief Risk Officer, Kaushik heads the complete risk infrastructure of our lending business.
Kaushik is a Science Graduate from Andhra University followed by a Post-Graduate Diploma in Business Finance from Indian Institute of Finance, New Delhi.
Vikram brings along an extensive experience of more than a decade in sales and marketing, loan administration, client relationships and team management. His core competencies include managing New Markets, Product management & Policy formulation.
Prior to joining CGCL, Vikram has worked with organizations like ICICI Bank, Reliance Capital, Fullerton India, GE Money Finance, ABN AMRO and India Infoline Finance Limited.
Vikram is a Commerce graduate from Delhi University. He has completed his Diploma is Mass communication from New Delhi YMCA. He has also done his Post Graduate Diploma in Sales & Marketing from National Institute of Sales, New Delhi and Post Graduate Diploma in Business Management (Marketing) from Guru Nanak Institute of Management, New Delhi.
Mr. Agrawal has more than 16 years of experience in fields of Company Secretarial and Corporate Legal matters. He is a Management & Law graduate (Delhi University) and Associate member of Institute of Company Secretaries of India.
Mr. Shah is a Chartered Accountant (ICAI) and a Certified Public Accountant (CPA-USA), with more than 22 years of experience in the Finance & Treasury field with proficiency in Financial Accounting, Treasury Management, Auditing, IGAAP, IFRS, Financial Analysis and Compliance. In the past, Mr. Shah has worked with organisations such as BSE Limited (Bombay Stock Exchange (BSE)), Unichem Laboratories Limited and Hymerc International Inc
With degrees in Chartered Accountancy and CS, Mr. Agarwal has spent more than 21 years in financial services, statutory audits, internal audits, bank audits, concurrent audits, management audits, secretarial matters, company law matters, taxation etc.
Mr. Dave is a Chartered Accountant with over 18 years of work experience. His areas of specialization includes Internal Controls , drafting & implementation of Products Policies , Audit & Review of Policies & Processes, Frauds Controls Management , Operational Risk Management , BCP Implementation , Use of Insurance as risk transfer , KYC & AML Risk management , Receivables & Payables Management in Retail Assets Division of Banking & Financial Services Industry covering -- Commercial Banking (Emerging corporate group ,Commercial Vehicles ,Infrastructure funding, Agri. & Tractor Finance , Retail Gold loans) & Consumer Banking (Business Loans , Loans against Property , Housing Finance , Car Finance and Credit Card). He has held various positions in Kotak Mahindra Group like Retail Assets Domain Head in Operational Risk Management , Head Internal Controls in Retail Assets Operations, Regional Operations Controller in Car Finance Division. He has also worked in the consulting division of A F Ferguson.
Ms. Divya has more than 15 years of experience in Human Resources (including 4 years of exposure in the USA). She started her career in HR with Electron Group of Companies and through her career has moved through entities such as Prithila Industries, XL Dynamics (India & USA). She has done consulting assignments at Capital Group (USA) and USAA (USA). Before joining Capri Global, Divya was working as Senior Manager at Viteos Capital Market Services and was responsible for end-to-end HR strategy and delivery.
Her past experiences include, aligning HR processes, practices and measures to business strategies, drive specific interventions aiming at increasing efficiency levels of employees, employee engagement, deployment of development training programs, career development and succession planning, implementation of HRIS (Human resources information system), enhancing the appraisal process, mapping and analyzing competency within organization and act as an interface with employees for the management and vice versa.
Divya has done her Bachelor of Engineering (Civil) from Mumbai University and has done Masters of Science in Organization Development, from University of San Francisco USA.
Jayesh is an accomplished professional and brings along an extensive hands on experience of over two decades in the field of Banking & Financial Services. His core competencies include setting up end to end operations, conceptualizing to implementation of computerized systems, customer service quality, setting up processes and change management.
Before joining CGCL he was working with PNB Housing Finance Ltd. as National Head-Customer Services & Operations where he played a vital role in business process re-engineering and designing internal control procedures to ensure quality & uniformity across the organization.
Across his career, he has been associated in various capacities with organizations like ICICI Group, GE Money and Gujarat Lease Financing Ltd.
Jayesh is a Commerce Graduate also holds a Post Graduate Diploma in Finance.