Chief Financial Officer
Mr. Chintan C Desai is a qualified Chartered Accountant. He has worked with Gujarat Lease Financing Limited (Flagship Company of torrent group), HDFC Bank Limited, Sol Group of Companies (UK) and SAI Consulting Engineers Pvt Ltd. In Pahal, he is handling Strategic Business Planning and Budgetary Control, Equity Capital and Debt Syndication, Treasury Management, Accounting and Taxation.
Mr. Pushkar Parashar has 15 years of experience in the financial sector. He has worked with Banks, NBFC, Financial trusts organization, Business correspondents and other developmental institutions. He started his career with one of largest microfinance institutions – BFIL (earlier known as SKS Microfinance). He was appointed as the Chief Operating Officer of the Company on September 2017.
Chief Operating Officer (COO)
Mr. Dharmesh Shah has joined Pahal as General Manager Operation on March 7, 2015. Before joining Pahal he was working in RBL Bank Limited as Business head in retail banking handling half of Gujarat region. He was also associated with ING Vysya Bank. He has more than 29 years of experience of working in Financial Sector.
Mr. Premprakash Patel has more than 28 years of Rich Retail Finance experience.He has extensive exposure across a gamut of functional areas including Business Strategy & Development, Operations, Sales & Marketing, Legal & Compliance, Audits & Governance, and P & L Management. He has worked with esteemed organizations like GRUH FINANCE, BAJAJ FINANCE LTD & HDFC BANK LTD. He is a B.com graduate and holds master’s in business administration (marketing & financial services).
Business Head - Secured Loans
Mr Digvijay Singh Udawat has more than 20 years of cross functional experience in the areas of Sales, HR and Administration. He has worked with esteemed organizations like Royal Resorts and Videocon Telecommunications Limited. He has done PGDM in General Management from Amrut Mody School of Management, M.A. in Tourism and Hotel Management graduate from IHM Goa.
Mr. Yadav has more than 20 years of experience with organizations like Saija Finance, Indokem Limited & Nyanza Bottling Co. Ltd. He has valuable experience in implementation of SAP B1, Microsoft dynamics NAV, Orien ERP, Ebizframe & Omni Enterprise (Core Banking System) & Sage Pastel Evolution. He has completed his Information and Software Management from NIIT Mumbai.
Ms. Nikita Sharma was appointed as Company Secretary and the Compliance Officer of the Company on April 1, 2015. She holds a master’s degree in commerce (Accounting and Taxation). She is a qualified Company Secretary from Institute of Company Secretaries of India.
Ms. Firuzi M Vakil has worked in retail branch banking and has overall banking experience of 19 years. She was associated with HDFC Bank in Retail branch Banking for 17 years and the later with Indusind Bank for 2 years. She Joined Pahal as Head Operations looking after the operations part of JLG, IL & SL.
Alternate Product Head
Mr. Jugal Desai holds a MBA degree with majors in marketing, and has more than 16 years of experience in the albeit field. He has hands on experience while working with companies like Amul, Wipro, and Swadhaar.
Mr. Giridhari Behera holds an MBA (Finance) from Alagappa University, Tamil Nadu & B. Com (Hons) from Utkal University, Odisha and done certification in flagship courses i,e JAIIB, CAIIB (Risk Management), AML & KYC and Risk in Financial Services from IIBF, Mumbai. He is a result-oriented Audit & Risk Catalyst with more than 19 years of experience in BFSI sector. His expertise exists in Risk Based Internal Audit (RBIA), Integrated Operational Risk, Credit Risk, Market Risk and Fraud Risk Management (FRM), He was associated with BASIX, Ujjivan Financial Services, Jana Small Finance Bank. His last assignment was with Satin Creditcare Network Ltd as Chief Risk Officer before joining PAHAL in August 2021 as Head Audit & Risk. Mr. Behera was an instrumental team member in setting up Internal Audit and Fraud Risk Management Function in Ujjivan and Jana Small Finance Bank and he has successfully established the risk function in SATIN.
Head - Audit & Risk