Mumbai, Maharashtra, India
Compliance and governance leader with 13+ years of experience across RBI-regulated financial institutions, operating at the intersection of regulation, risk, and business strategy. I work with Boards and senior leadership to build compliance architectures that translate regulatory expectations into scalable, business-aligned frameworks. My experience spans regulatory supervision, capital markets activity, and enterprise compliance transformation across multi-regulator environments including Reserve Bank of India and Securities and Exchange Board of India. Brought in during high-stakes regulatory and governance phases to stabilise, strengthen and scale compliance frameworks.
Axio - an Amazon owned NBFC • Brought in to lead the enterprise compliance and governance architecture for Axio and its subsidiaries during a phase of regulatory scale, Amazon acquisition and operational growth. • Building and strengthening the enterprise compliance and internal audit framework across the NBFC and group entities to align with RBI expectations and global governance standards • Chairing the Internal Committee under the POSH Act, reinforcing workplace governance standards
• Stepped in to additionally lead the corporate secretarial function following a leadership vacancy, ensuring continuity of governance oversight during a critical phase of regulatory and corporate due diligence in connection with the Amazon acquisition • Streamlining secretarial processes and strengthening governance documentation to support transaction readiness and regulatory scrutiny
• Stepped into the Company Secretary role during a period of regulatory restriction following RBI supervisory action and the resignation of the incumbent, ensuring continuity of governance and statutory oversight • Led the Rights Issue process raising ₹12.73 billion, strengthening the Company’s capital position and supporting the organisation’s path toward regulatory normalisation • Stabilised Board and governance processes while coordinating with internal and external stakeholders during a critical capital raise and regulatory engagement phase
• Joined the senior leadership team to strengthen regulatory governance across a diversified financial services platform operating under multiple regulatory regimes viz., RBI, SEBI, MCA and FIU-IND • Successfully managed the RBI special audit of the Company, supporting remediation efforts and enabling lifting of business restrictions Corporate Governance Responsibilities • Served as Principal Officer for FIU-IND and Chief Anti-Corruption Officer • Member of governance committees including IT & Security, ESG, New Products and Grievance Redressal Committees • Ombudsperson under the Whistleblower/Vigilance framework
• Entrusted with leading the compliance function for the debt-listed Housing Finance Company during a phase of regulatory strengthening under NHB and SEBI frameworks, TPG acquisition and business expansion. • Acted as the primary regulatory liaison, advising management on regulatory expectations and compliance risk management • Embedded stronger compliance culture through training, governance oversight and proactive regulatory advisory for business initiatives Governance Roles • Presiding Officer – Internal Committee under POSH Act • Member – Grievance Redressal Committee overseeing customer complaint governance
• Brought in as part of the organisation’s transition to a dedicated compliance function in line with evolving RBI expectations, with responsibility for defining the compliance team’s mandate, operating structure and key risk oversight areas. • Established the foundational compliance framework for the organisation, including defining the compliance function’s KRA structure, monitoring mechanisms and governance processes • Led compliance oversight for the RBI-regulated NBFC and its group entities operating across investment management, advisory and structured finance platforms • Supported the Company’s capital market readiness by leading preparation and filing of the Draft Red Herring Prospectus (DRHP) with SEBI as part of the proposed IPO process • Advised management on regulatory considerations relating to strategic expansion initiatives, including the acquisition of S.M.I.L.E. Microfinance Limited’s microfinance business and incorporation of Pragati FinServ Pvt. Ltd. to expand retail lending in rural and semi-urban markets • Oversaw regulatory compliance for subsidiaries engaged in Alternative Investment Fund (AIF) and Portfolio Management Services (PMS) businesses under the regulatory framework of Securities and Exchange Board of India
• Led legal, secretarial and regulatory compliance functions for the RBI-regulated NBFC and its associated entities. • Oversaw enterprise compliance across RBI and IRDAI regulatory frameworks • Managed regulatory inspections including RBI, statutory and internal audits • Led the Company’s registration as a Corporate Agent with IRDAI, enabling insurance distribution capability • Strengthened governance frameworks through policy development covering corporate governance, IT framework and internal audit Regulatory Responsibilities • Principal Officer – FIU-IND (AML compliance) • Nodal Officer – RBI Ombudsman Scheme • Grievance Redressal Officer – RBI Fair Practices Code • Specified Person – IRDAI Governance Role • Presiding Officer - Internal Committee, Prevention of Sexual Harassment (POSH) Act