Mr. Deepak Mendiratta has more than 22 Years of experience in banking and financial services industry across lending, deposits and payments. During his journey he was involved in Risk, Credit, Underwriting, Business and Product roles and evolving how each of these can be fundamentally affected through the use of data and technology. He has previously been associated with JioMoney as Head of Consumer, Product & Segment, Standard Chartered Bank as Senior Product Manager, Citi as Assistant Vice President (AVP) & Capital One as Business Manager & Data Analyst.

Mr. Manish Kulkarni has more than 25 years of experience in business management, product development, finance, and balance sheet management across all banking products, both retail and wholesale. He has hands on experience of inorganic sell/ purchase, managing and growing mortgage book, creating value proposition for customer segment, entering partnerships.

He also has rich experience in financial planning and analysis, budgeting and forecasting, financial modelling, balance sheet analysis and branch profitability etc. He has previously worked with reputed organizations which amongst others includes DBS Bank India Limited, Standard Chartered Bank, Yes Bank, Reuters (I) Pvt Ltd, Schindler (I) Pvt Ltd, Xerox (I) Ltd (erstwhile Modi Xerox) and Thermax Ltd.

Gurmeet Singh Mission is an accomplished compliance and legal professional with around 25 years of experience including in the BFSI sector. Since 2020, he has led the compliance and corporate secretarial function at PayU Finance (NBFC-ML), ensuring adherence to RBI regulations and offering strategic legal and regulatory guidance.

Previously, he served as Vice President – General Counsel and Company Secretary at Credit Suisse (2008-2020), overseeing compliance, legal, and governance for Indian entities. He has also held key role at Future Group, VIP Industries (Piramal Group), and Raymond Group, guiding organizations through regulatory and governance challenges.

Gurmeet is a Certified Compliance and Ethics Professional – International (CCEP-I), and holds qualifications as a Company Secretary, LL.B., and B.Com

Mr. Ashok Patil is a Chartered Accountant with over 22 years of extensive experience in policy formulation, risk analytics, portfolio management, credit underwriting, collections, operational risk management, and fraud control. His expertise spans across diverse portfolios, including retail (secured/unsecured), SME, and rural lending, managing portfolios exceeding $5 billion.

He brings a strong background in implementing and managing customer acquisition processes through automated credit decisioning, utilizing statistical models, multi-bureau strategies, and decision engines. He is also credited with establishing robust frameworks for portfolio monitoring, governance, operational risk, and fraud risk management.

Previously Ashok served as the Chief Risk Officer at SMFG Home Finance Co. Ltd, where he was instrumental in improving portfolio performance and achieving one of the lowest credit costs since the company’s inception. His previous experience includes roles at DCB Bank Ltd, IDFC First Bank Ltd (formerly Capital First Ltd), Standard Chartered Bank, and Citi.

 Nadeem brings over 17 years of rich experience in credit risk management and lending strategy, having worked across four global markets – the USA, Canada, Africa and India. Prior to joining us, he spent nearly four years at Apollo Agriculture, where he built and led the credit infrastructure to serve smallholder farmers in Africa.

 He has also played a key role in scaling the lending business at Capital Float and earlier in his career, spent a decade at Capital One managing the credit card portfolio, followed by a stint at Wells Fargo overseeing risk for their Private Label Credit Card business.

Nadeem is an engineer from IIT Delhi and brings with him a sharp strategic mindset and hands-on approach to credit risk management.

Ms. Anuradha Kumari is an experienced finance and strategy professional with 11+ years of diverse industry experience, including strategic finance, Chief of Staff and investment banking roles. Global exposure in London, Dubai, and managing PayU's fintech markets across India, Eastern Europe, Latin America, and Southeast Asia. She is skilled in building and leading high-performing FP&A teams, transforming finance into a strategic unit. Strong focus on providing actionable insights to the leadership team, leveraging the power of data analytics to drive business strategy.

Previously, she was the Global FP&A Head at PayU and holds a Bachelor of Engineering and Master of Business Administration degrees.

Mr. Ramesh Mantripragada holds a Master’s degree in Computer Applications. He has an overall experience of 25+ years in building large scale systems across Fintech and manufacturing domains including leading charters for Netbanking, UPI, Risk Management and Merchant experience. He has built systems for some of the largest global brands including General Motors, Toyota, Fujitsu, OCBC bank and has experience of working in various jurisdiction including India, US, Japan and Thailand.

Mr. Nivesh Seth brings over 16 years of experience in innovating and launching zero-to-one product initiatives, scaling mission critical projects and developing high-performing teams and in his previous roles has worked at Google, Amazon, Flipkart and Motorola. He holds a Post-Graduate Programme in Management certificate from Indian School of Business (ISB), Hyderabad and Bachelor of Engineering degree from Delhi College of Engineering (DCE).

Ms. Sangeeta Lobo has 18+ years of experience in human resource function. Prior to joining PayU group she has worked with reputed organisations like Citrus Payment Solutions, Neo Consultants, Catalyst Consulting and NCR Corporations.

Mr. Manish Dixit is currently the Interim Head of Internal audit at PayU Finance. He has around 15+ years of experience in Internal Audit, Risk management, Information security. He has worked previously with companies like HDFC bank, IDFC Bank, Tata AIG General Insurance.