Management Team

Mr. HP Singh

Chairman & Managing Director

A law graduate and 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 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 also 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 grown into one of India’s leading microfinance institutions in the North and is poised to further expand its operations across the country.

Mr. Jugal Kataria

Mr. Jugal Kataria

Group Controller

Cost Accountant, Chartered Accountant and Company Secretary with about 29 years of experience, Mr. Kataria is a graduate of the renowned Shree Ram College of Commerce. Aside from completing an Internal Auditors training course for ISO 9000, he was a part of the HBS Accion Program on Strategic Leadership for Microfinance and the leadership program organized by Women’s World Banking at Wharton Business School, University of Pennsylvania in 2011. Prior to joining SCNL in 2000, Mr. Kataria worked with prestigious brands such as Apollo Tyres and Berger Paints to name a few.

Mr. K Thangaraju

Chief Operating Officer

Kalidasan Thangaraju post graduated from Bharathidasan University,  has over 20+ years of experience in MFI, Banking and NBFC Sector.  He possesses strong command in Setting up distribution, retail assets – sales, recovery, credit for NBFCs, Modern and Small Finance Banks. He has worked with Hindustan Financial Management Limited, Kotak Mahindra Bank, Fullerton India Credit Company Limited. his last assignment before coming aboard the SCNL team was with Jana Small Finance Bank as Zonal Head.


Mr. Rakesh Sachdeva

Chief Financial Officer

Mr. Sachdeva has more than 30 years of experience across various domains of Finance Management, Business Operations, Human Resources, Project Management; Strategic Alliances and Contract Management. He is a versatile manager and his area of work involved fund management, administration and project management. He is a Fellow member of the Institute of Chartered Accountants of India, and worked with Apollo Tyres Ltd, Berger Group, Arcotech Group at various designations and his last project was with Earth – n – Heaven as Chief Executive Officer. Mr. Sachdeva is associated with Satin Creditcare Network Limited as Board member from April, 1999 to November, 2020. He has served on various committees (including Audit Committee) of the Board of Satin Creditcare Network Limited as Chairman and Member.

Mr. Subir Roy Chowdhury

Mr. Subir Roy Chowdhury

Chief Human Resource Officer (CHRO)

With a PGDHRM from IISWBM, Kolkata and a B.Com (Hons) degree from Kolkata University, Mr. Chowdhury has spent 21 years in the HR industry and across its functions. He is also a Gallup certified Strengths Coach and holds a certificate in the Advance Management Programme from INSEAD. Mr. Chowdhury joined SCNL in April 2016 as Chief Human Resource Officer, prior to which he was working with Magma Fincorp as Business & Corporate HR Head – he was responsible for initiating the competence framework, talent management, succession planning, PMS & Total Rewards at this organization. Before this, Mr. Chowdhury also worked with ICICI Securities, ICICI Prudential Life Insurance, Magma Leasing, Wacker Metroark Chemicals and Kotak Securities.

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 29 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.

Mr. Anil Gupta

Executive Vice President

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. Vipul Sharma

Company Secretary & Compliance Officer

Mr. Vipul Sharma is a B.Com and an Associate Member of the Institute of Company Secretaries of India. He has vast exposure in complying with the requirements of Company Laws, SEBI, and RBI-related matters. Mr. Sharma has more than 10 years of experience in the field of Secretarial Compliances, Corporate Governance, Mergers and Acquisitions, Stakeholders Management, Board Management, and ESOP matters. He is associated with Satin Creditcare Network Limited since May 2020 and is presently designated as General Manager – Secretarial before his appointment as Company Secretary & Compliance Officer. He has handled the maiden Rights Issue of Partly Paid Shares successfully along with other Secretarial and Legal matters of the Company. In his previous assignments, Mr. Sharma worked as Company Secretary and Compliance Officer of Bhilwara Green Energy Limited (Hero Group Company) and Hero Wind Energy Private Limited, Deputy Manager in Jubilant Life Sciences Limited, and Company Secretary in Jaypee Group Companies.