Chief Financial Officer
Mr. Chintan C Desai is a qualified Chartered Accountant. He has worked with Gujarat Lease Financing Limited (Flagship Company of torrent group), HDFC Bank Limited, Sol Group of Companies (UK) and SAI Consulting Engineers Pvt Ltd. In Pahal, he is handling Strategic Business Planning and Budgetary Control, Equity Capital and Debt Syndication, Treasury Management, Accounting and Taxation.
Mr. Dharmesh Shah has joined Pahal as General Manager Operation on March 7, 2015. Before joining Pahal he was working in RBL Bank Limited as Business head in retail banking handling half of Gujarat region. He was also associated with ING Vysya Bank. He has more than 29 years of experience of working in Financial Sector.
Associate Director
Business Head - Secured Loans
Mr. Premprakash Patel has more than 28 years of Rich Retail Finance experience.He has extensive exposure across a gamut of functional areas including Business Strategy & Development, Operations, Sales & Marketing, Legal & Compliance, Audits & Governance, and P & L Management. He has worked with esteemed organizations like GRUH FINANCE, BAJAJ FINANCE LTD & HDFC BANK LTD. He is a B.com graduate and holds master’s in business administration (marketing & financial services).
Mr. Jitendra Priyadarshi belongs to Ahmedabad, holds a Masters of Business Administration degree from K.S School of Business Management – Gujarat University. He holds 12+ years of experience in the areas of Talent acquisition, Talent Management, Manpower Planning, HR Digital transformation, Rewards & Recognition, Employee Engagement, Performance Management, Stakeholder Management & Statutory Compliances. Before joining Pahal Finance, he has worked with Belstar Microfinance Limited in the capacity of Dy. General Manager – Human Resources. Prior to that he has worked for organizations like Equitas Small Finance Bank, Cholamandalam Investment & Finance Company Ltd. & Fullerton India.
Head -HR & Training
Head-IT
Mr. Yadav has more than 20 years of experience with organizations like Saija Finance, Indokem Limited & Nyanza Bottling Co. Ltd. He has valuable experience in implementation of SAP B1, Microsoft dynamics NAV, Orien ERP, Ebizframe & Omni Enterprise (Core Banking System) & Sage Pastel Evolution. He has completed his Information and Software Management from NIIT Mumbai.
Ms. Firuzi M Vakil has worked in retail branch banking and has 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. She Joined Pahal as Head Operations looking after the operations part of JLG, IL & SL.
Head Operations
Head - Audit & Risk
Mr. Deepak Billa has more than 18 years of experience with organizations like Prime M2i Consulting Pvt Ltd, SRMLT Pvt Ltd., SV Creditline Pvt Ltd, Pahal Financial Services Pvt Ltd. Prior to Pahal, he was with SAVE Solutions Pvt Ltd as Group Head – Risk & Audit. He brings with him a wealth of experience, expertise, and a proven track record in the field of audit, risk management and compliance.
At Pahal, he is managing the Internal audit, Risk, Social performance management and Customer grievance redressal functions, keeping eyes on detailed approach enabling effective and efficient operational controls. He is instrumental in assessing & mitigating significant competitive, regulatory and technological threats to the Company’s capital and earnings. He aims to add value and improve the effectiveness of operational efficiency, risk management, internal control system and governance process.
Mr. Rahul Kumar Singh has done his PGDFM – Post Graduate Diploma in Forestry Management from Indian Institute of Forest Management, Bhopal. He has over 16 years of experience in the microfinance industry.
He has worked with SKS Microfinance Ltd., Arman Finance (Namra Finance) & Utkarsh Small Finance Bank before joining Pahal.
Chief Operating Officer
Company Secretary
Ms. Dimple Padhiar was appointed as Company Secretary and the Compliance Officer of the Company on November 09, 2023. She holds a bachelor’s degree in business administration from Saurashtra University, Rajkot. She is a qualified Company Secretary from Institute of Company Secretaries of India. Before joining Pahal, she has worked with Abellon Cleanenergy Limited – Claris Group as Manager – Secretarial Dept., prior to that she has worked with Chiripal Group of Companies and has a vast experience of more than 9 years in the field of Corporate Compliance.
Ms. Anubhuti Kapadia was appointed as the Chief Compliance Officer of the Company on May 28, 2024. She initially joined as an Assistant Company Secretary in June 2018 and has been working as an Executive Assistant to the Managing Directors since December 2018. A qualified Company Secretary from the Institute of Company Secretaries of India, she brings over 6 years of experience in the Non-Banking Finance Company sector, particularly in Micro Finance. Her background includes expertise in legal and compliance matters, internal audits, fundraising, strategic management, and field operations.
Chief Compliance Officer
