Mr. Nilesh Vikamsey is a Chartered Accountant with over 38 years of experience in auditing and consultancy. He holds a Bachelor's degree in Commerce from the University of Bombay and is a member of the Institute of Chartered Accountants of India since 1985. Additionally, he has completed specialised courses in Information Systems Audit and Business Consultancy Studies. Mr. Vikamsey is a partner at KKC & Associates LLP and serves on the boards of Allcargo Gati Limited, Thomas Cook (India) Limited, SOTC Travel Limited, Nippon Life India Trustee Limited, Thejo Engineering Limited, Tablespace Technologies Limited, BlackSoil Capital Private Limited, and Gati Express & Supply Chain Private Limited. He is also Member of Tirupati Devasthanam and PL Capital Performing Credit Fund and President of Indo American Chamber of Commerce.

A seasoned banking professional with over 38 years of experience, Mr. Sudarshan Sen is a distinguished professional with Master’s degrees in Science (Mathematics) from the University of Delhi and in Business Administration from the University of Birmingham. He has served as Executive Director at the Reserve Bank of India and holds directorships at The Federal Bank Limited and Cashpor Micro Credit and Asset Reconstruction Company (India) Limited.

A seasoned banking professional with over 38 years of experience, Dr. Tejendra Mohan Bhasin holds a Bachelor’s degree in Law from the University of Delhi, a Master's degree in Science from Meerut University, an MBA from the University of Delhi, and a Ph.D. from the University of Madras. He is a Certified Associate of the Indian Institute of Bankers and was honoured with fellowship by the Indian Institute of Banking and Finance in 2010. Dr. Bhasin has served as Chairman and Managing Director of Indian Bank and was a Vigilance Commissioner at the Central Vigilance Commission. He currently chairs the Advisory Board for Banking and Financial Frauds constituted by the Central Vigilance Commission. He also holds directorships at Patanjali Foods Limited, PNB Gilts Limited and SBI Life Insurance Company Limited.

Mr. Chandrasekaran Ramakrishnan brings over 38 years of rich experience in the information technology sector. He holds a Bachelor’s degree in Mechanical Engineering from the University of Madras and a Post-Graduate Diploma in Management from the Indian Institute of Management, Bangalore. Mr. Chandrasekaran’s distinguished career includes leadership roles at Cognizant Technology Solutions India Private Limited and Tata Consultancy Services Limited. He currently serves on the boards of LTI Mindtree Limited, L&T Technology Services Limited, KSL Digital Ventures Limited, and Newgen Digitalworks Private Limited.

Ms. Gita Nayyar holds a Master's degree in Business Administration from the Amos Tuck School of Business Administration, Dartmouth College, USA and brings 33 years of leadership experience. She currently serves on the boards of Oriental Hotels Limited, Transport Corporation of India Limited, Taj Sats Air Catering Limited, and Ask Investment Managers Limited. She is also a member of the Board of Governors of the Indian Institute of Management Udaipur and the Governing Body of HelpAge India. She is also recognised for her expertise in angel investing/ mentoring.

Mr. Pavan Kaushal is a Chartered Accountant with over 35 years of experience in the financial services sector. He holds a Bachelor's degree in Commerce from the University of Calcutta and a Master's degree in Financial Management from Jamnalal Bajaj Institute of Management Studies, University of Mumbai. Mr. Kaushal has held senior leadership roles at Fullerton India Credit Company Limited and IDFC First Bank Limited. He currently serves on the boards of Innoven Capital India Private Limited, Asset Reconstruction Company (India) Limited, Lendingkart Finance Limited, and Lendingkart Technologies Private Limited. He is also a Senior Advisor for IREP Capital and Vision Edge One.

Mr. Neeraj Vyas holds both Bachelor's and Master's degrees in Science from Vikram University, Ujjain, and brings 38 years of experience in the banking sector. Prior to joining us, he was associated with the State Bank of India. Mr. Vyas was initially appointed as an Independent Director on 15th April 2019, served as Managing Director and Chief Executive Officer, in the interim for a brief period from 28th April 2020 to 10th August 2020, and currently serves as an Independent Director since 12th August 2024.

Mr. Dilip Kumar Jain brings over 29 years of experience in the banking sector. He holds a Bachelor's degree in Commerce from Rajasthan University and is a Chartered Accountant since 1989. Currently, he serves as Chief General Manager and the Chief Financial Officer of Punjab National Bank.

Mr. Girish Kousgi, our Managing Director and CEO, holds an Executive Master’s Diploma in Business Administration from the Indian Institute of Commerce and Trade. He has over 27 years of experience in the financial services industry, having served in leadership roles at Can Fin Homes Limited, Tata Capital Financial Services Limited, IDFC Bank Limited, and ICICI Bank Limited. In addition to his leadership at PNB Housing Finance, Mr. Kousgi serves on the Boards of the subsidiaries, PHFL Home Loans and Services Limited, and PEHEL Foundation.