Sanjay is a Credit and Risk management professional, with a rich work experience of over 30 years, spread over industries like Office Automation, Telecom and Banking & Financial Services. His areas of specialization include all aspects of lending – Credit & Risk Policy, Credit Underwriting, Collections and Recoveries, Fraud Control, and overall risk management for the retail banking and lending business.
Sanjay is known for his eye for detail, passion for people management and people development as well as expertise in execution. He takes special interest in training and is a trained trainer. He is also a certified coach, and engages in coaching SMEs, Entrepreneurs and corporate executives.
Starting as a Credit Executive with Modi Xerox Ltd. in 1990, he rose to become the MD & CEO of Motilal Oswal Home Finance Ltd. Prior to that, he served as the Chief Risk Officer at Indostar Capital Finance Ltd. and Reliance Capital Ltd. for over 12 years. He has also worked with 3 private sector banks – handling national level assignments – ICICI Bank, IDBI Bank and Centurion Bank of Punjab.
Sanjay developed a special interest in SMEs, having closely studied various SMEs across sectors and geographies, in the process of granting loans to them over the last two decades. He has done extensive work in training and educating SMEs as a subject matter expert, thru’ various industry forums, and also by using digital and social media.
Sanjay strongly believes in the power of the SME segment in India’s growth story, and is of the strong view that if India has to become a $5 Trillion economy in the next 5 years, SMEs are going to play a pivotal role.