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. 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.
Head-IT
Head Operations
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.
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.
Company Secretary
Chief Compliance Officer
Ms. Anubhuti Kapadia was appointed as the Chief Compliance Officer of the Company on May 28, 2024. She has been associated with the organization since June 2018. A qualified Company Secretary from the Institute of Company Secretaries of India, she brings over 8 years of experience in the Non-Banking Finance Company sector, particularly in Micro Finance. Her background includes expertise in legal and compliance matters, RBI Inspections, CGRM, internal & field audits, fundraising, strategic management, Technical Assistance Programmes and field operations.
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 developmental institutions. He started his career with one of largest microfinance institutions – BFIL (earlier known as SKS Microfinance). He anchored the microfinance operations in Bihar and was leading the overall operations. He was later heading microfinance operations in M.P and U.P in BFIL in its early days. Pushkar has also worked with Axis Bank heading the government business in the state of M.P. He was a part of corporate banking and was also handling the financial inclusion wing in M.P. and later moved to Capital Market Division of Bank. Pushkar was a part of Vaya Trust (Earlier known as SKS Trust) – original promoter of BFIL (earlier known as SKS Microfinance).
Pushkar was the first COO of Pahal in its early days has rejoined Pahal as COO in 2025.
Chief Operating Officer
Head- Internal Audit
Mr. Niteshkumar Mishra is a seasoned financial services leader with over 24 years of experience across Banking, NBFC, Small Finance Bank, and Microfinance. He specializes in Internal Audit, Enterprise Risk Management, Governance, Fraud Risk, Internal Controls, Credit & Operational Risk, and Business Process Excellence. He has held leadership roles with Pahal Financial Services, Namra Finance, Utkarsh Small Finance Bank, Fusion Microfinance, RBL Bank, HDFC Bank, and BSFL (BASIX Group). Mr. Mishra holds a Master of Commerce (M.Com.) and NIBM certifications in Risk Management, Credit Management, and Accounts & Audit, and is recognized for strengthening governance, enhancing internal controls, and driving organizational transformation.
Jitender Kalwani is a seasoned finance and operations leader with over 25 + years of experience in building, scaling, and governing financial services institutions across regulated and high-growth environments. He has served as Chief Operating Officer (BC) at Pahal Financial Services, where he drives operational resilience, governance excellence, and sustainable business growth.
Over the course of his career, he has held leadership roles including Executive Director, Chief Financial Officer and Company Secretary, with deep expertise spanning financial strategy, fundraising, risk management, regulatory compliance, and large-scale operational transformation. Jitender has led organizations through complex business environments requiring decisive leadership, stakeholder confidence, and disciplined execution.
An Chartered Financial Analysist (CFA), Company Secretary (CS), MBA (Finance), and Associate Certified Coach, he combines strategic insight with a people-centric leadership approach. Passionate about mentoring leaders, he frequently speaks on governance, crisis leadership, operational excellence, and navigating uncertainty with clarity and resilience.
HR-Head
