A seasoned banking and finance professional with 23 years of extensive experience in the Indian banking industry. Devashish Chakravarty brings a strong founda on as a commerce graduate and is a cer fied Product Manager from the Indian School of Business (ISB). His exper se spans key areas including:

• Risk Management: Demonstra ng a deep understanding of risk assessment and sales strategies within the banking and finance sector.
• Deep Domain Knowledge in Lending: Proficient in commercial lending across various sectors, including Commercial Businesses, Micro, Small, and Medium Enterprises (MSMEs), Healthcare, and Prin ng & Packaging industries.

Proven track record of success in driving business growth and naviga ng the complexi es of the financial landscape.

• Citi Bank
• Yes Bank
• Kotak Mahindra Bank

A seasoned finance professional with 23 years of diverse banking and lending exper se. His career encompasses leadership roles at reputable ins tu ons, including CITI Bank, HDFC Bank, IIFL, ShriRam Equipment Finance Ltd, Moneywise , Clix Capital, and Poonawalla Fincorp Ltd. Throughout his extensive tenure, Tripathi has consistently demonstrated a strong commitment to serving Micro, Small, and Medium Enterprises (MSMEs). He has empowered numerous businesses by providing access to a comprehensive range of financial products, including:

• Equipment Finance:Mr. Tripathi possesses a deep understanding of both industrial and medical equipment financing, enabling MSMEs to acquire the necessary assets for their opera ons and growth.
• Auto Loans: He has facilitated the acquisi on of vehicles for businesses and individuals, suppor ng mobility and opera onal efficiency.
• Gold Loans:Mr. Tripathi has assisted clients in leveraging their gold assets for various financial needs, offering a flexible and accessible funding op on.
• Loans Against Property (LAP):: He has guided businesses and individuals through the process of u lizing property as collateral to secure funding for expansion, investment, and other financial requirements.
• Cash Credit and Overdra Facilities: Tripathi has provided essential working capital solutions, enabling MSMEs to manage their liquidity and operational cash flow effectively.

Mr. Tripathi's diverse experience across various financial institutions, from traditional banks to NBFCs, highlights his adaptability and broad knowledge of the lending landscape. His expertise spans multiple product lines, showcasing his versatility in addressing the distinct financial needs of MSMEs. His proven track record reflects a strong focus on building client relationships, understanding business requirements, and delivering tailored financial solutions. In summary, Pankaj Tripathi is a highly skilled and accomplished finance professional dedicated to empowering MSMEs through strategic financial solu ons and fostering strong client rela onships within the banking and lending sector.

Nirakar Behera is an accomplished finance professional with 25 years of invaluable experience in the banking sector. Having held key positions at prestigious institutions such as HDFC Finance, PNB Finance , American Express, Standard Chartered and ING Vysya Bank, Behera has a proven track record of success in various aspects of finance.

Throughout his extensive career, Behera has been instrumental in supporting the growth and development of Micro, Small, and Medium Enterprises (MSMEs). He has facilitated their access to crucial financial resources through a diverse range of products, including:

• Equipment Finance:Specializing in both industrial and medical equipment financing, Behera has empowered MSMEs to acquire essential assets for their operations.
• Home Loans and Loans Against Property (LAP): He has guided individuals and businesses through the process of securing home loans and utilizing property as collateral for business expansion and other financial needs.
• Cash Credit and Overdraft Facilities: Behera has played a vital role in providing MSMEs with flexible working capital solutions to manage their day-to-day operations effectively.

Mr. Behera's contributions to the MSME sector are particularly noteworthy. He has consistently demonstrated a commitment to fostering their success by bridging the gap between their financial needs and the available banking products.

In essence, Nirakar Behera is a highly skilled and experienced finance professional with a strong commitment to empowering businesses through strategic financial solutions and fostering strong client relationships within the banking sector.