VIkas Muttoo
Managing Director & CEO
Gunjan Grover
Chief Operations Officer
Adapa Sridhar Kumar
Chief Human Resources Officer
Dhrumil Dalal
Chief Information Officer
Deshvir Singh Ahluwalia
Head-Consumer Business
Biju Peter
Head-Internal Audit
Anshu Mohta
Company Secretary & Head of Compliance
VIkas Muttoo
Managing Director & CEO
An industrious and compassionate professional, Mr. Muttoo comes with a rich and vast experience of more than two decades in the Banking and Finance spectrum along with half a decade in Rural Markets and Micro Finance.
Mr. Muttoo has extensive leadership and business expertise in various streams like Retail & Commercial Banking, Consumer Finance, Distribution Management, Risk Management, Profit and Loss Ownership and Change Management.
Mr. Muttoo has been associated with top foreign banks and Financial Inclusion organizations like ANZ Grindlays, Standard Chartered, ABN AMRO, RBS, Bharat Financial Inclusion Ltd. He firmly believes that “a customer centric business coupled with right technology and operational excellence is the way to expand financial inclusion in India”
Mr. Muttoo is differentiated by financial services expertise combined with business acumen with which he has built businesses of scale and imbibed sectoral values. An avid reader and elocutionist Mr. Muttoo loves to share his experiences.
Mr. Muttoo holds an MBA degree in Marketing and Finance from the University of Pune, with further specializations from INSEAD, Singapore and ISB, Hyderabad.
Gunjan Grover
Chief Operations Officer
Mr. Gunjan Grover, as COO, leads Operations at RBL FinServe. Mr. Grover has a rich experience of over 14 years in Inclusive Finance. He has worked with over 120 financial institutions across 18 countries on projects involving Risk Management, Credit Ratings, Equity valuations, Due-diligences, Portfolio, and Compliance audits. He has also been a trainer for MFIs on subjects including Governance, Risk management, and Internal controls.
Mr. Grover has worked for over 10 years with a global microfinance credit rating company and in his last engagement was leading the FI partnerships team at a fintech providing wealth management services to the underbanked customers. Mr. Grover is a CFA Charterholder, Company Secretary and an MBA (Gold Medalist) from IRMA.
Deshvir Singh Ahluwalia
Head-Consumer Business
Deshvir Singh Ahluwalia brings with him 25+ years of experience in consumer banking & financial services amalgamating consumer loans, branch banking & wealth management verticals.
Prior to joining RBL FinServe Limited, he has held key positions & led businesses at reputed organizations viz. Bank of America, ABN AMRO, Standard Chartered Bank (SCB) and Tata AIA Life Insurance.
He is a compassionate and collaborative team player with the ability to work along and build hi-performing teams. Committed to achieving goals with integrity, tenacity, adaptability and hard work.
He holds MBA degree in Marketing from Faculty of Management Studies (FMS, BHU) with a Financial Planning & Wealth Management (FPWM) certification program from INSEAD, Singapore.
Manouj Kabra
Chief Financial Officer
Mr. Manouj Kabra, as CFO, leads the Accounts and Finance function which covers Accounting, Taxation, Regulatory and Management Reporting, Business Planning and Analysis.
Mr. Kabra comes with over 18 years of experience in Banking and Financial Services Industry and has handled diverse roles encompassing Accounts & Finance, Budgeting & MIS, Audit, Taxation, Business Strategy, Profit Centre Management, Financial Planning, Wealth Management, Product & Business Development, Client/Franchisee Relationship Management, Digital Strategy, Risk Management, Compliance Monitoring, Development of Systems/ Processes, Internal Controls.
Prior to joining RBL FinServe Ltd., Mr. Kabra was associated with ICICI Bank, ICICI Securities, Angel Broking and SHCIL Services Ltd. Mr. Kabra is a qualified Chartered Accountant from the Institute of Chartered Accountants of India and holds a Bachelor’s degree in Commerce from Mumbai University.
Dhrumil Dalal
Chief Information Officer
Mr. Dhrumil Dalal comes with a rich experience of over 20 years in managing IT solutions spanning both in the domestic and international markets; mainly U.S.
Mr. Dalal has worked with brands like MicroSoft Consulting, Northgate Gonzalez, Kelley Blue Brook and others. In his last assignment with Bharat Financial Inclusion Ltd, Mr. Dalal was heading the IT Team as Senior Vice President.
Anshu Mohta
Company Secretary & Head of Compliance
Ms. Anshu Mohta is a trained professional in secretarial, legal and corporate affairs and working as Company Secretary for the company since 2008.
Ms. Mohta has over 14 years of varied and rich experience in areas of Compliances (both Legal and Statutory), IPO, Private Placement of Equity, Formulation of ESOP, Listing Agreement Compliances, Foreign Direct Investment in Unlisted Companies and Due Diligence for Private Investment.
Ms. Mohta is an associate member of Institute of Company Secretaries of India and is a Gold Medalist (LLB) from Pt. Ravishankar University.
Yashoda B Reddy
Head-Corporate HR
Yashoda B Reddy comes with an experience of over 16+ years in managing employees and employee life cycle.
Prior to joining RBL FinServe Limited, she had worked across industries like IT, ITES, Manufacturing, BFSI, CPGRLH, KPO – Analytics, Retail & Apparel and in Future 500 companies like Genpact India Private limited, Omega Cube technologies, Oracle India Private Limited and Arvind Mills.
Her domain expertise includes Business Partnering for new & existing set-ups, Talent Planning & Acquisition, Employee Relations & Engagement, Performance Management, Learning & Development, Rewards & Recognition, Policies, Procedures and Knowledge Management.
She holds Master Degree in Psychology & Master in Business Administration with a specialization in HR & Finance.
Biju Peter
Head-Internal Audit
Biju Peter brings over 19 + years of work experience to the Company. Prior to joining RBL FinServe Limited, he had worked with banking institutions like Jana Small Finance Bank and HSBC.
During his career, Biju Peter has handled diverse roles under various capacities in Internal Audit, Internal Process Control, Quality Assurance, Collections Operations and Debt Management covering a range of products under Retails Assets and Microfinance. He has a proven track in setting up new functions from scratch including strategy development, process documentation, recruitment, training and execution.
Biju Peter has done his MBA from Amity University and is certified in Applied Financial Risk Management from IIM, Kozhikode.
Ajit Mehta
Deputy Chief Financial Officer
Ajit Mehta comes with over 15 years of rich experience in Banking and Financial Services Industry
Prior to joining RBL FinServe Ltd., he was associated with Axis Securities Limited, Reliance Nippon Asset Management Limited and ICICI Bank Ltd. He has handled diverse roles in Mutual Fund, Broking and Banking Industry encompassing Accounts & Finance, Budgeting & Financial Planning, Audit, Taxation, and Treasury Management, Development of Systems / Processes and Internal Controls.
He holds a Bachelor’s degree in Commerce from Devi Ahilya Vishwa Vidhyalaya, Indore. He is a qualified Chartered Accountant, along with Diploma Degree in Information Systems Audit from the Institute of Chartered Accountants of India.
Mohammed Irshad Shoukath
Business Head -MSME
Mohammad Irshad Shoukath comes with a career spanning over 20 years in banking and financial industry.
Prior to joining RBL FinServe Limited, he has worked with ICICI Bank, Kotak Mahindra Bank, Barclays finance and RBL Bank in Sales, Risk and Distribution.
He has been instrumental pillar in setting up and building two-wheeler loans, small ticket personal loans and high ticket personal loans for ICICI bank, Unsecured and secured loans in Barclays finance. While working with RBL Bank, he has managed secured loans and drop line OD products.
He holds a Master Degree in Marketing from Madras University
Kaustubh Mishra
Zonal Business Head -East
Kaustubh Mishra brings nearly 17 years of rich work experience in managing overall company business.
Prior to joining RBL FinServe Limited, he has worked in shaping businesses in various companies like Airtel, ABN Amro and many entrepreneurial assignments. In his last assignment with Bharat Financial Inclusion Ltd, he was managing various aspects of business as Vice President.
He has done his PGDM from IIM Lucknow.
Navin Dhawan
Zonal Business Head -West
Navin Dhawan brings over 20+ years of rich experience in managing business across industries and sectors.
Prior to joining RBL FinServe Ltd., he has worked with Bharat Financial Inclusion Limited, Janalaxmi Financial Services Ltd., Viridian Developers Pvt. Ltd, Vardhman Infra Developers Private Limited, Barclays Bank PLC, ABN Amro Bank, ICICI Bank Ltd and Andromeda Marketing Private Limited.
He holds Bachelor Degree in commerce from Delhi University.
Gaurav Kumar
Zonal Business Head -North
Gaurav has a rich domain experience of 16+ years in the Banking & Financial Services Industry.
Prior to joining RBL FinServe Limited, his last assignment was with BFIL as Zonal Business Head (West and East). He was based out of Head Office in Hyderabad thereby contributing to Processes, Policy Formulations, Product Development and Training.
His core strengths include but are not limited to Strategic, operational management and handling large teams, a passionate and result oriented professional and is a certified trainer. He has relevant and diverse cross functional expertise in setting and scaling up financial services businesses and has worked in and outside India thereby exposing him to International banking/financial markets. His employers include BFIL, Rak Bank (Dubai), Reliance Money Ltd and ICICI Bank Ltd.
Gaurav has done his MDPs from IIM Ahmedabad and Indore.
Sarat Chandra Tripathy
Head Business -HR
Sarat Chandra Tripathy comes with an experience of over 21+ years in managing the entire gamut of HR.
Prior to joining RBL FinServe Limited, he has worked across various industries like BFSI, Manufacturing, Telecom and Mining.
He comes with an extensive experience of working in various domains of HR in reputed organizations like Bharat Financial Inclusion Ltd, Enzen Global Solutions Pvt. Ltd, Gulf Oil Corporations Ltd, IDL Explosives Ltd, Reliance Communications Ltd, RSB Transmissions Ltd, Ujjivan Financial Services Pvt. Ltd, Share Microfin Ltd and Gimpex Ltd.
He has done his Post-Graduation in Personnel Management from NIPM, ICMAI and holds a Bachelor’s Degree in Commerce from Utkal University.
Adapa Sridhar Kumar
Chief Human Resources Officer
Mr. Sridhar Kumar Adapa has led successfully Human Capital development interventions for reputed organizations in India for more than 20 years. As a passionate HR leader, his focus is to build a workplace to support the transformative growth and ensure organizations achieve the status of employer of choice. This also includes building robust people policies and practices and driving innovative practices to engage a diverse workforce.Mr. Sridhar's experience includes driving change, managing a diverse workforce, leadership enablement, employee brand communication, diversity & inclusion programs, organization effectiveness and leading innovative people practices.
Mr. Sridhar was leading Human Resources for BFSI leaders such as ING Vysya Bank, SKS Microfinance (now, Bharat Financial Inclusion) and was responsible for design, development and execution of Human capital interventions. He played a key role in aiding ING Vysya Bank and SKS Microfinance to be a Great Place to Work (GPTW) and scaled SKS Microfinance to Aon’s Best Employer list for Asia Pacific. Prior to BFSI, Mr. Sridhar was associated with Infrastructure & Property Development, Development Sector, Information Technology (IT) and Manufacturing. He has also played an active role as a Management Committee member of Hyderabad Management Association (HMA) and has led their initiatives successfully.
He has earned his full time MBA from Osmania University College of Commerce and Business Management in 1996
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