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 the most diversified non-bank in India today. His cumulative experience at GE, American Express and AIG has helped him change the company's course and put it on a high growth path.
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, creating a holding company, and acquiring two non-banking finance companies to establish an AIG base 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. When he left AmericanExpress, 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.
Deputy Chief Executive Officer
Anup Saha is the Deputy Chief Executive Officer at Bajaj Finance Limited, and a member of its executive management team. Anup joined the Company in 2017 to lead its consumer finance portfolio business. He heads all the Retail business lines of the Company, including its Urban Consumer Durable Loans, Personal Loan, Co-Branded Credit Cards, MSME, all Rural Loans, Fixed Deposits, Insurance, and the Payments business. He has also managed other portfolios such as Operations, Service and Marketing.
Prior to Bajaj Finance, Anup was with ICICI Bank as the Senior General Manager and Group Product Head of their Retail Home Loan, Vehicle Loans, Developer Funding, Retail and Rural Collections. He worked with ICICI Bank for 14 years across different roles. Anup has also served on the Board of ICICI Bank HFC and TU CIBIL and spearheaded ICICI Bank's Sales CRM and Big Data transformation projects. In his earlier stints, Anup worked with GE Capital International Services (GECIS), SBI Cards, Blow Past and BHEL.
With a solid track record of delivering top-line growth and bottom-line performance, Anup has been driving business productivity and improved profitability for the Company; further strengthening its market leadership position.
An alumnus of IIT Kharagpur and IIM Lucknow, Anup brings more than 28 years of diverse management experience across sales, product risk, collection, and business intelligence to deliver growth through performance and transformation of the Company, while striving towards the vision of becoming a dominant, omnipresent player in the ecosystem of financial services and payment business.
Chief Financial Officer
Sandeep is the Chief Financial Officer at Bajaj Finance Limited and a key member of it's executive management team. He has played an integral role in the growth and evolution of the organisation from being a mono-line Auto Finance Company to a diversified financial services business and onto its transformative journey of becoming a dominant player in the ecosystem of financial services and payments business.
Sandeep joined Bajaj Finance in 2008 to set up its management accounting practices. Over the years, he has played multifarious roles across Strategic Planning, CEO's Office, Financial Planning & Analysis to heading the organisation's Business Re-engineering and Investor Relations functions. He started his professional journey in the Internal Audit function of Bajaj Auto Limited, handling audits in the areas of materials, system, finance, and indirect taxation.
As the CFO of Bajaj Finance Limited, Sandeep oversees the Company's Finance, Treasury, Financial Planning and Analysis, focusing on controllership, compliances, liquidity, and driving continuous improvements in business and functional processes towards delivering significant enhancements in bottom-line benefits.
Sandeep is a Chartered Accountant from ICAI with a bachelor's degree in Commerce from Nagpur University.
President- Debt Management Services
Deepak Bagati is responsible for managing the Debt management services vertical, providing us with a cutting edge in the industry.
Since joining Bajaj, Deepak has integrated SME businesses to create Direct to Customer (D2C) businesses for SMEs. He has been a key contributor in delivering cutting edge capabilities like Decision Support systems for unsecured businesses & Mortgage re-engineering for secured businesses.
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. Before which he has worked with HDFC bank, ONICRA, Mahindra & Mahindra and Modi Xerox.
Deepak is an Engineering graduate with a degree in Industrial Electronics.
M M Muralidharan
M M Muralidharan is responsible for the overall treasury strategy, policy, fund planning and mobilisation, SLR and Non-SLR investments, working capital management, and optimisation of the fund's overall cost at the entity level. He manages the entire resourcing for the company encompassing borrowings from Banks and Money markets and the assignment/ securitisation portfolio.
He is responsible for the entire investments of the company in the SLR and non-SLR portfolio of investments, including liquidity buffer. His experience in this field adds immense value to the business. Before taking charge of the 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), working in the finance department. In his earlier role, he worked as head of the Costing department of ACC Babcock Limited at its Heavy Engineering Plant in Karnataka.
Chief Risk Officer
Fakhari joined Bajaj Finance in Nov 2018 and is responsible for managing risk, risk analytics and underwriting at the company.
A management graduate from IIM Lucknow with a career spanning 25 years, he joined BFL from Barclays, USA, working as Managing Director – Risk Management. Before 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 and Asian Paints. He brings a holistic and multi-geography experience covering collections, credit, policy, operations, risk, credit cards, analytics and fraud control, among others.
Chief Human Resources & Administrative Officer
Anupam is the chief human resources and administrative officer for Bajaj Finance Limited and a member of the company’s executive management team. In this role, he leads an enterprising team of human resources professionals to drive the company’s diverse efforts towards becoming the 'Place to be' by the existing workforce as well as future talents. Anupam has been leading the initiative of imparting skill-based, specialised training and development opportunities to a diverse workforce, to create a tight link between the business priorities and a plan to build the individual and organizational capabilities needed for implementing it.
Anupam joined Bajaj Finserv in 2016 as the Head of Group Learning Academy, where he was instrumental in creating a synergised learning approach to support the diversified financial services portfolio of the Group.
Prior to this role, Anupam was the Country Manager at the Center for Creative Leadership's (CCL) India, for over 8 years, where he grew the business from the ground up to build a strong team of professionals inside the organisation, and an extended community of high calibre associates.
An HR practice veteran with over 25 years of proven track record in building and nurturing the capabilities and expertise of an organisation's human capital management, Anupam has partnered with diverse businesses to deliver high impact leadership development solutions and critical talent to build robust leadership pipelines and high-performance teams.
Deputy CEO, Bajaj Finance Limited
Rakesh Bhatt is the Deputy Chief Executive Officer at Bajaj Finance Limited and a member of its executive management team. A Financial Services and Technology leader with an industry experience of over 29 years, Rakesh drives digital transformations to create successful commercial enterprises across the Bajaj Finserv group companies. As the Deputy CEO of the Company, he oversees the functions of Technology, Operations, Marketing, and Legal. He is also responsible for driving sustainable growth for all the company's strategic initiatives.
Rakesh's journey in the Bajaj Finserv group of companies started in 2009, working across diverse portfolios. He was the Chief Operating Officer at Bajaj Finance Limited until 2018 and led a large portfolio of critical functions, including Technology, Analytics, Credit Operations, Customer Experience and Quality. He was the CEO of Bajaj Finserv Direct Limited for 4 years and spearheaded the launch of a diversified Digital Marketplace business (Bajaj Markets) in Financial Services and eCommerce. Rakesh continues to serve on the board of Bajaj Finserv Direct and oversees its operations as the CEO.
In his stellar career span, Rakesh held various tech leadership positions in other leading companies such as AIG Consumer Finance, GE Money, Reliance Industries and 3i Infotech.
With a master's in Computer Applications, Rakesh brings in close to 3 decades of diverse industry experience and unmatched technical know-how to further accentuate our transformative efforts of bringing financial services solutions closer to the consumers.