Management Team

Mr. HP Singh

Chairman cum Managing Director

A law graduate and a fellow of The Institute of Chartered Accountants of India since 1984, Mr. HP Singh has over three decades of microfinance experience to his credit and is responsible for pioneering the unique concept of daily collection of repayments of loans. Aside from being an expert in lending, particularly in the microfinance field, Mr. Singh also has a wealth of experience across auditing, accounts, project financing, advisory services and company law matters. It is his financial engineering acumen, honed over almost thirty years of experience, that has helped SCNL achieve its success in operational strategy and efficiency.

Mr. Singh is a part of the industry forum, the Federation of Indian Chambers of Commerce and Industry (FICCI), where he lends his expertise as a Banking and Financial Institution Committee member. As the former Chair of Sa-Dhan, he contributed significantly to the organization’s growth and development over his two-year tenure. Mr. Singh has also been appointed as Trade Commissioner for the Indian ASEAN Trade Council, where he oversees the Council’s efforts to enhance trade and economic cooperation between India and the ASEAN region.

Mr. Singh has participated in Harvard Business School’s Accion Program on Strategic Leadership for Microfinance in 2009, as well as the leadership program organized by Women’s World Banking at Wharton Business School, University of Pennsylvania in 2011. Mr. Singh has been an inspiration right from the very beginning when the company came into being in 1990, till today where he continues to be actively involved in the company’s day-to-day operations. Under his leadership, SCNL has evolved into a leading microfinance institution in India, holding a strong national presence and serving millions of rural households with a diverse range of offerings including microfinance, MSME and affordable housing loans.

Mr. Jugal Kataria

Mr. Jugal Kataria

Group Controller

Mr. Jugal Kataria is a graduate from Shri Ram College of Commerce and is a Cost Accountant, Chartered Accountant and Company Secretary with approx. 33 years of relevant experience. He has participated in an ‘Internal Auditors Training Course’ for ISO 9000 and ‘Harvard Business School Accion Program on Strategic Leadership for Microfinance’. He attended leadership program organized by Women’s World Banking at Wharton Business School, University of Pennsylvania in 2011. Mr. Kataria worked with Apollo Tyres Limited and Berger Paints (India) Limited before joining SCNL in 2000.

Mr. Anil Gupta

Business Head – Products

With an MBA in Marketing Management from Leeds Business School, Leeds University, UK, and a B.Com (Hons) degree from Shri Ram College of Commerce, Delhi University, Mr. Gupta has spent over 40 years in the Sales, Marketing and P&L Management across various industries. In addition, he has attended courses at IIM Ahmedabad and IIM Kolkata and a Strategic Business Management course from Duke University, North Carolina, USA. Mr. Gupta joined SCNL, in February 2020, as Business Head – Products and Insurance. Prior to Satin, he was working with Shriram Refrigeration, Honda Power Products, Reliance Infocomm, Usha International, Idea Cellular (Aditya Birla Group), and Aircel. He has successfully spearheaded the launch of telecom services in Delhi, Haryana, UP, Rajasthan & HP besides leading them to be profitable ventures. He has successfully turned around the loss making businesses into profitable ones and ensured the long-term benefits to the Organization of the same. He has had vast exposure in Sales, Marketing, Operations and handling difficult situations and turning them into profitable ventures for the Company.

Mr. Amarjit Singh

Chief Audit Officer

Mr. Amarjit Singh holds an eminent MBA degree in Finance from the prestigious FMS-Delhi and a B.Com from SGTB Khalsa College, Delhi. He is a seasoned Banker with more than 32 years of expertise in Operations and Retail Banking. A strategic and enthusiastic business leader having extensive knowledge spread across the horizons of portfolio management, risk management, cross- selling, branch banking operations, branch and ATM expansion, business development and sales management etc, he is also a motivational speaker. He has worked with Allahabad Bank, Axis Bank, Janalakshmi Financial Services and Jana Small Finance Bank. He has been associated in multiple leadership roles like Branch Head, Zonal Retail Liability Head, Circle Head-Punjab, Head Business Operations and Distribution Channels for Retail Asset & Credit Card Sales. His former assignment was with Capital Trust Ltd as its Chief Operating Officer.

Ms. Aditi Singh

Chief Strategy Officer

Ms. Singh has over 16 years of experience in the financial services industry, across several functions. She possesses extensive knowledge in various areas such as Investment Banking, Private Equity, Fund Raising, Mergers and Acquisitions, Deal Structuring, Negotiations, and Alliances.

At Satin, her area of responsibilities includes Strategy, Investor Relations, Public Relations and Communication, Collections (PAR 90+ bucket and write-off recovery), Foreign Debt Raising from DFIs and Impact Lenders, Credit Ratings, Stakeholder Management, Environmental Social Governance, Corporate Social Responsibility, and Social Performance Management.

Prior to Satin, she has worked with CG Corp Global as Head M&A heading projects in Middle East, Africa, North America and South East Asia, UV Capital Pvt. Ltd, and IFCI Venture Capital Funds, where she attained diversified experience and led to her 360-degree understanding of the finance and business vertical.

She is a gold medalist in Economics (Hons.) from Banasthali Vidyapith and has done post-graduation in Management of Business Finance from the Indian Institute of Finance, Delhi.

Mr. Anil Kwatra

Chief Business Officer

An accomplished financial services professional with over 17 years of experience in Sales and Operations. In his current role as Head of Operational Excellence and Innovation at Satin, he has been instrumental in propelling the organization’s success and growth through his strong business acumen, relentless efforts in re-engineering operational processes, and staying at the cutting edge of technological advancements. He is known for his collaborative leadership style, ability to align strategic goals with day-to-day operations, and fostering a culture of innovation.

Mr. Kwatra holds a postgraduate degree in Marketing Management. Before joining Satin Creditcare, he handled key roles at organizations such as Bharat Financial Inclusion Ltd, Max Life Insurance, Indiabulls Financial Services, and ICICI Prudential Life Insurance. His diverse background in these leading firms has equipped him with a deep understanding of the financial services landscape.

Mr. Sunil Yadav

Chief Information Officer

Mr. Sunil Yadav holds a Master’s degree in Computer Science and boasts over 15 years of extensive experience in the banking and finance industry and across its various domains. In addition to his education qualification, he also holds a certificate in Artificial Intelligence from IIT Roorkee.

Joining SATIN in 2016 as a Solution Architect, Mr. Yadav has ascended to the role of Head of Information Technology. In this position, he has been at the forefront of the company’s digital transformation efforts. He has played a crucial role in building a self-sustaining, high-caliber technology team that develops state-of-the-art, in-house solutions aligned with the organization’s vision.

Mr. Yadav’s skill set is diverse and robust, encompassing Enterprise Solution Architecture, IT Security, Technology Leadership, and Product Management. He excels in converting complex business requirements into comprehensive system designs and executing these designs with precision. His ability to integrate business strategy with technological innovation has been pivotal in driving SATIN’s growth and success.

Prior to working in Satin, he was working with Emvantage Payment Private Limited (Acquired by Amazon Payments) & Signet Payments (Acquired by IRCTC),Worked on ACI Worldwide Project, responsible for leading the architecture of various technology solutions catering to the Banking, Payments and Fintech ecosystem.

Mr. Dhiraj Jha

Chief Risk Officer

Mr. Dhiraj Jha is a Financial Risk Professional having over 17 years of experience with a varied skill base in the field of Portfolio Management, Risk Analytics and Management, Project Management, Risk Assessment/Quantification and Business Process Re-engineering. At Satin, he spearheads the Risk Management vertical for the company.

Prior to Satin, he has worked with Allahabad Bank and State Bank of India. He possesses a strong inclination toward automation in the Financial Industry using modern techniques/tools of Data Science.

His educational background includes a Bachelor in Computer Application, Post Graduate in Economics and PG Diploma in Financial Advising. He is also a Certificated Associate of the Indian Institute of Bankers (CAIIB) and Financial Risk Management (FRM) certificate holder of GARP-USA.

Mr. Vikas Gupta

Company Secretary & Chief Compliance Officer

A law graduate and fellow of Imperial College, London, Mr. Gupta has more than 14 years of experience as a Company Secretary and is an Associate Member of the Institute of Company Secretaries of India. Prior to joining Satin, he worked with Hero Group. He has extensive experience in secretarial and compliance functions, including private equity, rights issues, mergers, and acquisitions. He has worked with brands like Havells India Ltd.

Mr. Manoj Agrawal

Chief Financial Officer

Mr. Manoj Agrawal is a rank holder chartered accountant with an impressive 24-year journey in financial operations management, client service, risk and controls, regulatory compliance, and strategic transformation. Prior to joining Satin in August 2023, he has worked with organizations like J.P. Morgan Chase for about 13 years, where his last position was as Head – Operations and Client Experience, ICICI Bank Limited for about 8 years, and other reputed companies. Mr. Agrawal’s extensive expertise spans various domains and possess excellent Analytical and logical reasoning for rational decision making with an eye for details. He has led high-impact projects in global operations, finance and accounts, risk mitigation, and transformational initiatives, demonstrating his deep understanding of financial intricacies and strategic insight.

Mr. Harshit Malaviya

Head - Human Resources

With an MBA major in Human Resource Management and a BCA graduate from Birla Institute of Technology, Mesra, Ranchi, Mr. Malaviya has more than 13 years of extensive experience across various functions of the HR domain, which include, Talent acquisition and Retention, Performance Management, Statutory Compliances, Compensation and Benefits, Human Relations, Employee Welfare, HR automation, Training and development along with Succession and Career Planning.

Prior to Satin, he worked with reputed organizations like AU Small Finance Bank, Hero Fincorp, IndusInd Bank and Mahindra Finance, among others. In addition to his education qualification, he is certified in Strategic Management by IIM Indore, a PCMM Level 5 proficient as an Internal Assessor and international certification for the courses, People Analytics and Inspiring Leadership through Emotional Intelligence by Courser, a US-based course provider.

Mr. Malaviya has received numerous prestigious accolades, including being named one of the Top 25 Young HR Leaders for FY23-24 by the Economic Times, TAPMI, and GMA in collaboration with People Business Consulting. Additionally, he was honoured with the CHRO of the Year Award 2024 by CHRO Confex and Awards, Delhi Chapter.