EMPOWERING GROWTH WITH SMART LENDING

Ms. Sneh Chauhan Company Secretary - Compliance

Ms. Sneh Chauhan brings over nine years of expertise in governance, legal, and compliance matters. A qualified Company Secretary (CS) with a law degree and a master’s in commerce, she ensures VCPL’s adherence to legal and regulatory obligations. Her commitment to transparency and integrity strengthens stakeholder trust and supports the company’s focus on robust corporate governance.

Mrs. Ambily Santhosh HR

With over 20 years of experience in Human Resources, Mrs. Ambily Santhosh specialises in employee relations, recruitment, training and development, performance management, and policy implementation. Backed by a postgraduate degree in Human Resource Management, her strategic approach to HR fosters organisational growth and cultivates a culture of inclusivity and collaboration.

Mr. Rishabh Agarwal Credit and Operations

Mr. Rishabh Agarwal, holding a Bachelor’s degree in Law and a graduate degree in Commerce, oversees Assessing credit applications and deciding loan eligibility, Managing the approval of loans and lines of credit, Monitoring borrower accounts to ensure that repayment terms are being met, Reporting to senior management on portfolio health and credit risks and support the company’s operations and growth.

Mr. Suman Shekhar Finance and Accounts

Mr. Suman Shekhar is a qualified Chartered Accountant with a strong foundation in audit, direct tax, and indirect tax. Over the years, he has gained diverse experience through roles in leading organizations, including the Corporate Banking Group at ICICI Bank. He began his professional journey with articleship at TKC, where he developed a solid understanding of financial compliance and assurance services.

Kaval Bali Sales and Marketing

With over 18 years of extensive experience in sales and marketing, including a successful 8-year tenure with Allahabad Bank, Mr. Kaval Bali brings a wealth of industry knowledge and strategic insight to our team. Known for a results-driven approach and a deep understanding of customer engagement, he has consistently delivered growth through innovative marketing strategies and strong relationship-building.

Ms. Nikita Tyagi Treasury

Ms. Nikita Tyagi is an accomplished professional with a broad range of responsibilities at Vallabhi Capital Private Limited. With her diverse background in finance, law, and commerce, combined with extensive experience in microfinance and the NBFC sector, she is playing a crucial role in driving the financial strategy and operations of the company.

Her focus is on compliance, liquidity management, and continuous improvement is key in maintaining financial stability and ensuring that Vallabhi Capital operates efficiently. Managing relationships with banks, lenders, and financial institutions is critical part of her role in securing adequate funding for business operations.

Mr. Rajiv Agarwal Founder & CEO

Mr. Rajiv Agarwal brings extensive expertise in the financial services sector. As a Chartered Accountant, he has developed a strong foundation in debt management, strategic business planning, risk management, and financial restructuring. Under his visionary leadership, Vallabhi Capital has built a robust structured lending model, targeting niche markets with a focus on MSME lending. His strategic insights and deep industry understanding have positioned VCPL as a provider of innovative financial solutions, empowering small and medium-sized enterprises to access capital and navigate complex financial landscapes.

Mr. Ishan Agarwal Director

With over a decade of experience spanning IT and ITES services, e-commerce, and FMCG, Mr. Ishan Agarwal has held key roles at leading organisations, including Tata 1mg and Patanjali Ayurveda Limited etc. His expertise in technology and innovation ensures that VCPL remains at the forefront of technological advancements, driving growth and delivering value to the company and its stakeholders.

Mr. Divesh Mishra Director and Business Head

Mr. Divesh Mishra brings four decades of extensive experience in the banking sector, having worked with industry giants such as the State Bank, HDFC Bank, Société Générale (A European financial services groups), and Bank International Indonesia. Being the National Head of Business Bank and MSME Lending, Corporate Banking, internet banking, credit management, financial inclusion, and operations, he pioneered electronic banking solutions for large corporates. An alumnus of IIM Kashipur, Mr. Mishra plays a pivotal role in shaping VCPL’s strategic direction.

Dr. Nirmal Bansal Independent Director

Dr. Nirmal Bansal offers four decades of rich experience in banking and financial services, having served organisations like HDFC Bank, Corporation Bank, Times Bank, and FINO Payment Bank. His expertise spans wholesale banking, government business, digital solutions, financial inclusion, and payment solutions. Holding a Ph.D. and a D.Litt. in Banking and Finance, Dr. Bansal provides valuable insights and guidance to VCPL’s strategic initiatives.