Management Teams

Mr. Chintan Desai – Chief Financial Officer

Mr. Chintan Desai has more than 25 years of experience in banking and finance sector. He is a fellow member of Institute of Chartered Accountants of India. He has worked with Gujarat Lease Financing Limited (Flagship Company of torrent group), HDFC Limited, SOI Group of Companies (UK) and SAI Consulting Engineers Private Limited. He is associated with Pahal as CFO since 2015 and handling strategic business planning, budgetary control, Equity Capital and Debt Syndication, Treasury Management, Accounting and Taxation.

Mr. Pushkar Parashar – Chief Operating Officer

Mr. Pushkar Parashar has 15 years of experience in financial sector and being an entrepreneur. He has worked with Banks, NBFC, Financial trusts organization, Business Correspondents and other legal development institutions.  He started his career with BFIL and has also worked with Axis Bank heading the government business in state of M.P. He has experience in Financial inclusion, Capital Market, Mobile Banking. He was a part of Vaya Trust where he conceptualized the overall process, IT solutions, products and led the relationship with Bank to start credit led BC operations. He was also part of the team which prepared the proposal for banking license for Small Finance Bank to be submitted to Reserve Bank of India from Vaya. In the last assignment with Vaya Finserv, he was heading the partnerships and business.

Mr. Dharmesh Shah – Associate Director

Mr. Dharmesh Shah has more than 31 years of experience in the field of banking and finance sector. He was associated with Manesmann Rexroth (India) Limited, HDFC Bank, ING Vysya Bank and before joining Pahal he was working with RBL Bank Limited. He has an experience in Retail branch banking, handling liability portfolio, risk management and retail asset lead generation. He has worked in various geographies such as Karnataka. Gujarat, Maharashtra, Andhra Pradesh, Karnataka, Rajasthan, Madhya Pradesh, Maharashtra, Bihar. Mr. Shah has experience of handling team of more than 150 people in various banks including Cluster Head, Branch Manager, Sr. Branch Manager and other staff.

Mr. Prem Prakash Patel – Head Secured Loan

Mr. Premprakash Patel is having more than 27 years of rich Retail finance experience ranging from P & L Management, Retail loans in Auto, Consumer & Commercial Vehicle space from Sourcing Credit, Operations and Receivables management collection. He has extensive exposure across a gamut of functional areas including business strategy & development, operations, sales & marketing, legal & compliance, audit & governance. He has worked with esteem organization like Gruh Finance, Bajaj Finance & HDFC Bank Ltd. at key positions like Branch Manager, Regional Manager, Zonal Manager, National Head and CEO establishing operations of NBFC’s from scratch. He is a BSc. graduate and holds Master’s in Business Administration.

Mr. Deepak Billa – Head Audit & Risk

Mr. Deepak Billa has more than 13 years of experience with various organizations like Prime M2i Consulting Pvt. Ltd., SRMLT Pvt. Ltd. TARAhaat IMS Ltd and many more. He was lastly associated with SV Creditline Ltd. at Gurgaon as Head – Audit. He has rich and valuable experience in the field of Audit and analysis, research, advisory and consultancy, Franchisee Management, Business Development, Training and Development and much more. He has done MBA with specialization in Livelihood and Natural Resource Management, Ecotourism, EIA from IIFM (Indian Institute of Forest Management).

Mr. Digvijay Singh Udawat : Head HR & Training

He has done his PGDM from Ahmedabad University. He is also a M.A. in Tourism and he has done his Hotel Management from IHM Goa. He has around 12 years of experience in Sales and around 6 years of experience in HR & Administration. This varied experience helps him to see situations from different perspectives and helps in sound decision making. He started his career in Microfinance with PAHAL in December 2016 and has led Rajasthan to 20 branches with a portfolio of 90 crores as State Head and now he is associated with Pahal as Head HR & Training.

Ms. Nikita Sharma – Company Secretary

Ms. Nikita Sharma is Company Secretary and Compliance Officer of the Company.

She is a qualified member of Institute of Company Secretaries of India and also holds Master’s degree in Commerce with honors in Accounting and Taxation from International College for Girls. She has done her training from globally recognized manufacture & exporter of Lead metal i.e Gravita India Limited, an equity listed entity. She started her professional journey from Pahal Financial Services Private Limited and has around 04 years of professional experience.  She has a wide experience in fund raising, RBI compliance listing etc.

Ms. Firuzi M. Vakil – Head Operation

Ms. Firuzi M Vakil has worked in retail branch banking and have overall banking experience of 19 years. She was associated with HDFC Bank in Retail branch Banking for 17 years and the later with Indusind Bank for 2 years Have an in-depth knowledge of Retail banking Operation, Service Management, Process Management, Client Relationship Management and Team Management Joined Pahal as Head Operation looking after the operations part of JLG, IL & SL.