Kaushik Chatterjee – Group CRO


Kaushik is a seasoned professional who brings along an extensive experience of more than 17 years in retail mortgage business. He has worked in diverse functions spreading across risk, policy, products, regulatory framework, credit, sales, team building, new initiatives and development of franchise. He joins us from India Infoline Housing Finance where he has been the Chief Risk Officer and instrumental in the launch of retail home loans with complete bouquet of products offerings within a very short span. Kaushik was also the Head of Credit & Policy with Indiabulls Housing Finance prior to joining India Infoline. Even prior, he has worked in multiple capacities with ICICI Bank Home Loans & BHW Birla Home Finance. As the Group Chief Risk Officer, Kaushik heads the complete risk infrastructure of our lending business.

Kaushik is a Science Graduate from Andhra University followed by a Post-Graduate Diploma in Business Finance from Indian Institute of Finance, New Delhi.

Vishwas Shrungarpure – Group COO

Vishwas Shrungarpure brings a wealth of experience spanning two decades in Credit/Risk, Sales, Operations and Collections in Mortgages. His core competencies include handling entire gamut of functions for Housing Finance – Credit, Sales, Collections and Risk. He also has a complete grasp of Legal and Technical aspects of Mortgages. Vishwas joins us from Tata Capital Housing Finance Ltd, he has been instrumental in achieving profitability and volume targets along with satisfactory portfolio quality and  also formulating & implementing strategies for achieving medium-to-long term objectives of the organization.

Before joining CGCL, Vishwas has worked in various capacities with leading organizations like Tata Capital Housing Finance Ltd, GE Money, ICICI HFC and Maharishi Housing Finance.

Vishwas has done his Bachelor of Engineering (Mechanical) from National Institute of Technology, Bhopal. He has also done MBA in Finance from Institute of Management Studies, Devi Ahilya University, Indore.

Ameya Ghanekar – Head of Credit


Ameya Ghanekar has an experience that spans over two decades in the Finance Industry. Before joining CGHFL, he was associated with Dewan Housing Finance Corporation Ltd, where he was instrumental in managing the entire credit function for home loan business.  His work deliverables also included managing the credit policy, reviewing the portfolios, taking corrective actions and managing the team.

Across his professional career, he has worked with organizations like Aadhar Housing Finance Ltd( DHFL Group), Indiabulls Financial Services Ltd, ING Vysya Bank Ltd, GE Money, CITI Financials, ICICI Home Finance Co Ltd and B K Khare &  Co.

Ameya is a commerce graduate and a professionally qualified Chartered Accountant.

Vikram Rooprai – National Sales Head


Vikram brings along an extensive experience of more than a decade in sales and marketing, loan administration, client relationships and team management. His core competencies include managing New Markets, Product management & Policy formulation.

Prior to joining CGHFL, Vikram has worked with organizations like ICICI Bank, Reliance Capital, Fullerton India, GE Money Finance, ABN AMRO and India Infoline Finance Limited.

Vikram is a Commerce graduate from Delhi University. He has completed his Diploma is Mass communication from New Delhi YMCA. He has also done his Post Graduate Diploma in Sales & Marketing from National Institute of Sales, New Delhi and Post Graduate Diploma in Business Management (Marketing) from Guru Nanak Institute of Management, New Delhi.

Harish Agarwal – Group CS


Mr. Agrawal has more than two decades of experience in fields of Company Secretarial and Corporate Legal matters. He is a Management & Law graduate (Delhi University) and Associate member of The Institute of Company Secretaries of India.

Ashok Agarwal – Group Compliance and Legal Head


With degrees in Chartered Accountancy and CS, Mr. Agarwal has spent more than 21 years in financial services, statutory audits, internal audits, bank audits, concurrent audits, management audits, secretarial matters, company law matters, taxation etc.

Bhavin Shah – Group Head – Finance, Accounts and Taxation

Bhavin ShahA Chartered Accountant, with over 14 years of experience in corporate and International tax matters. He has a long and illustrious career in various domestic and multinational organizations, where he has been the driving force for addressing their tax advisory, compliance, personnel tax, litigation and transfer pricing matters.

He has also represented various domestic and multinational organizations before the Indian Revenue and Appellate Authorities on tax matters. His robust experience spans across industries such as aviation, airports, oil and gas, media and entertainment, manufacturing and software development. In the past, he has worked with organizations such as EY, Chaturvedi & Shah and P.P. Shah & Associates.

Hemant Dave – Group Audit Head

Hemant Dave

Mr. Dave is a Chartered Accountant with over 18 years of work experience. His areas of specialization includes Internal Controls , drafting & implementation of Products Policies , Audit & Review of Policies & Processes, Frauds Controls Management , Operational Risk Management , BCP Implementation , Use of Insurance as risk transfer , KYC & AML Risk management , Receivables & Payables Management in Retail Assets Division of Banking & Financial Services Industry covering -- Commercial Banking (Emerging corporate group ,Commercial Vehicles ,Infrastructure funding, Agri. & Tractor Finance , Retail Gold loans) & Consumer Banking (Business Loans , Loans against Property , Housing Finance , Car Finance and Credit Card). He has held various positions in Kotak Mahindra Group like Retail Assets Domain Head in Operational Risk Management , Head Internal Controls in Retail Assets Operations, Regional Operations Controller in Car Finance Division. He has also worked in the consulting division of A F Ferguson.

Divya Sutar – Group HR Head

Divya Sutar is a seasoned HR professional, who brings along an extensive and comprehensive experience of more than 15 years (including 4 years of exposure in the USA) across all aspects of human resources. Her core competencies include aligning HR processes & practices  to business strategies, driving  specific interventions aiming at increasing efficiency levels of employees,  developing training programs, career development and succession planning, implementing  HRIS (Human resources information system),  mapping &  analyzing competency within the organization and acting as an interface with employees for the management and vice versa. Divya joins us from Viteos Capital Market Services, where she was responsible for end-to-end HR strategy and delivery.

She has worked in various capacities with organizations like Electron Group of Companies, Prithila Industries, XL Dynamics (India & USA). She has also handled consulting assignments at Capital Group (USA) and USAA (USA).

Divya is a B. Tech in Civil Engineering from Mumbai University and she also holds a Master’s degree of Science in Organization Development, from University of San Francisco USA.