Rajeev Jain

Rajeev Jain

Managing Director

At Bajaj Finance Rajeev has charted an ambitious growth path for the company. The company is at an inflexion point and owes its exponential growth from a captive finance company to a most diversified non-bank in India today. The cumulative experience at GE, American Express and AIG has helped him change the course of the company and put it on a high growth path.

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Rajeev was earlier with American International Group as a Deputy CEO of its Consumer Finance business. At AIG, he was responsible for building the strategic framework for AIG Consumer business entry in India, created a holding company and acquired two non-banking finance companies to establish a base for AIG in the Indian market.

Before that, he was with American Express where he spent more than eight years. During this period he did various roles across various products like credit cards, personal and business loans etc. At the time of leaving American Express, he was the Head of Personal and Small Business Lending in India. Rajeev is a Management graduate from T A Pai Management Institute, Manipal with a Bachelor’s Degree in Commerce


Anup Saha

Deputy CEO

Anup Saha, is responsible for leading the Urban Consumer Business & SME business in which company enjoys the market leadership positions across various business lines as Consumer Durable, Digital Products, Lifestyle Products, E- Commerce, Retail Emi Card, Personal Loans Cross Sell, Salaried Personal Loans, Cards, Wallets and SME portfolio that includes Business loans and Professional loans. He is also responsible for Operations, Services and Marketing function in the company.

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Anup Saha - President, Consumer Business

Anup joined us from ICICI Bank where he was Senior General Manager and Group Product Head - Retail Home Loan, Vehicle Loans, Developer Funding, Retail and Rural Collections. He has worked with ICICI Bank for 14 years in different roles. Anup has also served on the board of ICICI Bank HFC and TU CIBIL and has spearheaded ICICI Bank’s sales CRM and Big Data transformation projects. Prior to ICICI Bank, Anup has worked with GE Capital International Services (GECIS).
An alumnus of IIT Kharagpur and IIM Lucknow, Anup brings more than 24 years of diverse management experience spanning across sales, products risk, collection and business intelligence functions in various organisations.

Sandeep Jain - Chief Financial Officer

Sandeep Jain

Chief Financial Officer

Sandeep is the Chief Financial Officer and Head of Business Re-engineering and Investor Relations. He joined Bajaj Finance in 2008 & since then has been an integral part of the company’s growth & evolution journey from a mono-line Auto Finance company to a diversified financial services business. Between 2006 - 2008, he was a part of the Internal Audit team at Bajaj Auto handling audits in the area of materials, system, finance & indirect tax.

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He joined Bajaj Finance in the management accounting unit and since then has played various roles in the company that include FP&A, Strategic Planning, Executive Assistant to CEO, Investor Engagement & Head of Management accounting unit. In his current role as Head CFO and Business Head for Business Re-engineering & Investor Relations, he is responsible for improving business & functional processes with a sharp focus on straight through processes & bottom line benefits.
Sandeep is a rank holder Chartered Accountant from ICAI with a Bachelor’s Degree in Commerce from Nagpur University.


Deepak Bagati

President – Collections

Deepak Bagati is responsible for managing Collections vertical providing us a cutting edge in the industry.

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Deepak Bagati - Executive Vice President, SME Business

Since joining Bajaj, Deepak has integrated SME businesses to create Direct to Customer (D2C) businesses for SME. He has been key contributor in delivering cutting edge capabilities like Decision Support System for unsecured businesses & Mortgage Reengineering for secured business.

Deepak has extensive work experience in the services industry spread across printing solutions, reprographics, rating firms, supply chain management and lending. He joined us from Yes bank where he was the Zonal head for the unsecured business. Prior to which he has worked with HDFC bank, ONICRA, Mahindra & Mahindra and Modi Xerox.

Deepak is an Engineering graduate with a degree in Industrial Electronics.

Ashish Panchal - President Rural, Insurance & Liabilities and Chief of Staff

Ashish Panchal

President – Rural, Insurance & Liabilities and Chief of Staff

Ashish Panchal is responsible for managing and growing the Rural Lending and Insurance business and as Chief of Staff, is also responsible for driving corporate strategy, as well as managing retail and corporate liabilities.

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Ashish joined Bajaj Finance in Jan 2011 and has been instrumental in building various businesses grounds up. Under his leadership, personal loan cross sell grew 3x in volumes, salaried personal loan grew into a formidable business and salaried home loans tripped its volumes. He was also instrumental in launching two new businesses – salaried loan against property and urban gold loans and has successfully delivered a host of new capabilities.

Ashish has a rich and diverse work experience, across manufacturing, FMCG and Retail Banking. Within retail banking, he has worked with some of the marquee international firms like Citi, SCB and Barclays across a range of functions, at times in start-up situations. Previous to joining us, Ashish was with Barclays bank as the Head of Acquisition and Portfolio Actions, Credit Cards. Ashish is a Mechanical Engineering Graduate from Walchand Institute of Technology and has completed his Management Education from the Jamnalal Bajaj Institute of Management Studies.


M M Muralidharan


M M Muralidharan is responsible for the overall treasury strategy, policy, fund planning and mobilization, SLR and Non-SLR investments, working capital management and optimization of overall cost of fund at the entity level. He manages the entire resourcing for the company encompassing borrowings from Banks and Money markets as also the assignment/securitization portfolio.

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M M Muralidharan - Treasurer

He is responsible for entire investments of the company in SLR and non-SLR portfolio of investments including liquidity buffer. His experience in this field adds immense value to the business. Prior to taking charge of Treasury function Muralidharan was heading finance and direct & indirect taxation function of Bajaj Finance Limited from 1998 to 2006.

Muralidharan joined us in 1996 from Indian Seamless Steels and Alloys Limited, Pune (ISSAL) where he was working in finance department. In his earlier role he worked as head of Costing department of ACC Babcock Limited, at its Heavy Engineering Plant in Karnataka.

Fakhari Sarjan - Chief Risk Officer

Fakhari Sarjan

Chief Risk Officer

Fakhari joined Bajaj Finance on Nov 2018 and is responsible for managing Risk, risk analytics and underwriting at the company.

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A management graduate from IIM Lucknow with a career spanning 25 years, he joined BFL from Barclays, USA, where he was working as Managing Director – Risk Management. Prior to that, Fakhari was the MD & Chief Risk Officer for Barclaycard in Germany.

In his earlier stints, Fakhari has worked with Deutsche Bank, ABN AMRO Bank, HSBC, ANZ Grindlays Bank & Asian Paints. He brings with him a holistic and multi-geography experience covering collections, credit, policy, operations, risk, credit cards, analytics and fraud control, among others.