Our Key People

Leadership Team

Leadership Team

Rajiv Sabharwal
Managing Director & CEO
Tata Capital Limited

Rajiv, a B. Tech from IIT Delhi and PGDM from IIM Lucknow, has over 26 years of experience in the banking and financial services industry. Rajiv is currently the Managing Director & CEO of Tata Capital Limited. He is also the Chairman of Tata Capital Financial Services Limited, Tata Capital Housing Finance Limited and Tata Securities Limited and is also on the Board of Tata Cleantech Capital Limited, Tata Capital Pte Ltd. and Tata Realty and Infrastructure Limited.

He has served as an Executive Director on the Board of ICICI Bank where he was responsible for several businesses including retail banking, business banking, rural banking, financial inclusion, technology and digital banking.  He has also served as the Chairman of ICICI Home Finance Company Limited and was on the Board of ICICI Prudential Life Insurance Company Limited. He was also on the Investment Advisory Committee (Real Estate) of ICICI Prudential AMC.

Rajiv has been widely acknowledged and credited for his contribution to the growth of the Retail Banking and Real Estate & Housing Finance market in India.

He also has experience in both Venture Capital and Growth Capital investing, through stints at both Sequoia Capital and True North. He has also been on the Board of a number of early stage and growing companies in the Financial services space.

He has also served on a number of RBI and IBA committees.

Rajiv has also had successful stints with the Godrej Group, SRF Finance, GE Capital and Times Bank.

Leadership Team

Avijit Bhattacharya
Chief Human Resources Officer (CHRO)
Tata Capital Limited

Avijit joined The Tata Group in 1996 as a TAS Officer in Tata Administrative Services and has worked on various assignments in the areas of automotive and financial services.

Currently Avijit is the Chief Human Resources Officer (CHRO) at Tata Capital. As CHRO, Avijit oversees all aspects of People Management, Infrastructure & Administration, Safety and Corporate Social Responsibility.

Avijit was the founding CEO of Tata Cleantech Capital Limited (TCCL), a joint venture between Tata Capital Limited and The International Finance Corporation, Washington from 2012-2015. TCCL is a specialized lender for Renewable Energy Projects, Water Management Projects and Energy Efficiency Projects. Prior to TCCL, he was the founding CEO of Tata Securities Limited (TSL) from 2007 to 2012. The primary businesses of TSL are Equity Broking, Investment Banking and Distribution. Both TCCL and TSL are subsidiaries of Tata Capital Ltd. of which Avijit was one of the founding members.

Prior to Tata Capital, Avijit worked with Tata Motors Ltd, the leading automobile manufacturer of India, from 2003 to 2007 in the Passenger Car Business and Corporate Finance. From 2003-2005, he was Head - Systems & Process and Business Excellence for the Passenger Car Business (PCBU) and Engineering Research Center (ERC) and was a member of the office of the Executive Director - PCBU & ERC. Thereafter Avijit moved to the office of Executive Director - Finance & Corporate Affairs as DGM - Corporate Affairs looking after Mergers and Acquisitions and Subsidiary Relationships.

As a TAS Officer, Avijit was involved in various assignments like the Launch of the Tata Indica, setting up of an online equity trading portal and retail broking business for Tata TD Waterhouse Securities and setting up of Concorde Motors, a captive car dealership chain.

Avijit is a B.Tech from IIT - Kanpur and MBA from IIM - Bangalore. He is a Fulbright Scholar, having undergone the Fulbright Program at the Carnegie Mellon University, USA. Avijit was recognized as a Young Leader by the British High Commission in 2013.

Leadership Team

Kusal Roy
Managing Director
Tata Capital Financial Services Limited

Kusal Roy is the Managing Director at Tata Capital Financial Services Ltd (TCFSL). Kusal comes with an extensive experience in the Retail Finance and Payments domain spanning across Indian Private Sector and Multinational Banks like ICICI Bank, Barclays Bank and Citibank. Kusal is an MBA from IIM Ahmedabad and an Engineer from IIT Kharagpur.

Leadership Team

Puneet Sharma
Chief Financial Officer
Tata Capital Limited & Tata Capital Financial Services Limited

Puneet is currently serving as Chief Financial Officer, Tata Capital Limited and Tata Capital Financial Services Limited.

He joined Tata Capital Limited in May 2008.  Prior to Tata Capital Limited, he has worked with Citibank N.A, The Boston Consulting Group and KPMG in India.

His work experience broadly includes strategy formulation and implementation, core operations, risk control and reporting for a bank's rupee treasury activities, process redesign, transfer pricing, product control in transaction banking, financial planning and structuring, regulations, taxation, auditing, benchmarking and accounting support for the listing a large financial institution on NYSE.

Puneet is a graduate in commerce from Mumbai University; has completed his Chartered Accountancy and is currently an Associate Member; and has earned an MBA from the Indian School of Business, Hyderabad.

Leadership Team

P C Bandivadekar
Chief Risk Officer
Tata Capital Financial Services Limited

Pradeep Bandivadekar is the Chief Risk Officer at Tata Capital. Prior to this role, he was responsible for the setting up of the Commercial Finance and the Infrastructure lending businesses, directing them to meet their financial, operational and revenue goals. He was responsible for the overall business, growth plans and implementation, resources, processes, controls, strategy building, compliances and driving best practices and cost-efficient end-to-end solutions.

An Electrical Engineer and an MBA Graduate from Mumbai University, Pradeep's career, before Tata, consists of productive stints at Sicom Limited and Seimens, the latter being more prominent. During his 13-year long association with Siemens, he took up many responsibilities, chiefly Head- Strategic planning and Chief Manager-Corporate Treasury, handling all growth plans, new projects and collaborations for Siemens Limited.

Pradeep's journey at the Tata Group began in 2000, when he was appointed as the Treasurer for Tata Motors Limited. Five years later, he was named the CEO of Tata Motor Finance (CV, PC and CEQ business). Today, he is responsible for the overall business, growth planning and implementation, resources, processes, controls, strategy building, compliances, driving best practices and cost-efficient, end-to-end solutions.

Despite the vast expertise he possesses, Pradeep believes in constantly upgrading through executive education and training workshops. He's attended Strategic Planning MDI at Switzerland, Value through Financial Management at Wharton School of Business Management and Tata Group Strategic Management Workshop, TMTC. He has also conducted several training programmes and participated in training seminars at ICAI, Euromoney etc.

Leadership Team

Abonty Banerjee
Chief Marketing & Digital Officer
Tata Capital Limited

Abonty Banerjee is Chief Marketing and Digital Officer at Tata Capital. She is leading the Digital, Analytics, Brand Marketing and Corporate Communication at Tata Capital and comes with a rich background in banking, financial services and Market Research. Abonty in her previous role has worked with Ernst & Young, ICICI Bank & Neilsen in Digital Strategy and Innovation, Platforms and Products.

Board of Directors

Board of Directors

Farokh Nariman Subedar
Non Executive Director

Mr. Subedar has vast experience in the matters of company administration, finance and taxation, and accounts. He is on the board of various Tata companies and has been closely associated with several Tata Non - Banking Financial Companies. Mr. Subedar superannuated from Tata Sons Limited as the Chief Operating Officer and Company Secretary in September 2017 after a long and distinguished tenure of over 32 years. He continues to be associated with the Group as Finance Advisor -Tata Sons. He works with the Executive Chairman and Group CFO in this new role. Mr. Subedar is the current President of the Bombay Chambers of Commerce and Industry.

Board of Directors

Nalin Shah
Director

Mr. Nalin Shah, a qualified Chartered Accountant, has a rich experience in the field of finance and been an Audit Partner in major auditing firms throughout his career, initially at S. B. Billimoria & Co and later, at M/s Deloitte Haskins & Sells, Chartered Accountants. Mr. Nalin Shah has also been a member of the Accounting Standards Board of the Institute of Chartered Accountants of India ("ICAI"), ICAI's Expert Advisory Committee and a member of the Corporate Laws Committee of the Bombay Chamber of Commerce & Industry for one year. Mr. Shah is currently on the Boards of several companies including DCB Bank Ltd., Cholamandalam Investment and Finance Co. Ltd., Eimco-Elecon (India) Ltd. and Artson Engineering Ltd.

Board of Directors

Rajiv Sabharwal
Managing Director & CEO

Rajiv, a B. Tech from IIT Delhi and PGDM from IIM Lucknow, has over 26 years of experience in the banking and financial services industry. Rajiv is currently the Managing Director & CEO of Tata Capital Limited. He is also the Chairman of Tata Capital Financial Services Limited, Tata Capital Housing Finance Limited and Tata Securities Limited and is also on the Board of Tata Cleantech Capital Limited, Tata Capital Pte Ltd. and Tata Realty and Infrastructure Limited.

He has served as an Executive Director on the Board of ICICI Bank where he was responsible for several businesses including retail banking, business banking, rural banking, financial inclusion, technology and digital banking.  He has also served as the Chairman of ICICI Home Finance Company Limited and was on the Board of ICICI Prudential Life Insurance Company Limited. He was also on the Investment Advisory Committee (Real Estate) of ICICI Prudential AMC.

Rajiv has been widely acknowledged and credited for his contribution to the growth of the Retail Banking and Real Estate & Housing Finance market in India.

He also has experience in both Venture Capital and Growth Capital investing, through stints at both Sequoia Capital and True North. He has also been on the Board of a number of early stage and growing companies in the Financial services space.

He has also served on a number of RBI and IBA committees.

Rajiv has also had successful stints with the Godrej Group, SRF Finance, GE Capital and Times Bank.

Board of Directors

Ms. Aarthi Subramanian
Non Executive Director

Ms Aarthi Subramanian is the Group Chief Digital Officer at Tata Sons Limited reporting to the Group Executive Chairman. A professional with over  28  years   of   experience   in   the   global   technology   sector,   Ms. Subramanian started her career with Tata Consultancy Services (TCS) and worked in diverse roles in India, Sweden, the US and Canada, thereby gaining rich experience in consulting engagements and management of large-scale technology programs as well as operations. At TCS, Ms. Subramanian was an Executive Director and Global Head of Delivery Excellence, Governance & Compliance. Aarthi was responsible for driving excellence in service delivery, governance of key programs & initiativesas well as enterprise-wide compliance. Prior to this role, Ms. Subramanian was the head of Delivery for seven years with the TCS Retail & CPG Business unit, where she was responsible for several strategic accounts and major clients. She led the team to achieve excellence in customer service through relentless customer focus, rigor in service delivery, and proactive value addition focus. Ms. Subramanian played a key role in setting up the SAP Center of Excellence in Chennai. Ms. Subramanian started her career as a graduate trainee in TCS in 1989 and she went on to become an analyst, project manager and then moved from Account Management roles to a Senior Executive role in TCS.

She holds a B.Tech in Computer Science from National Institute of  Technology, Warangal (India) and a Masters degree in Engineering Management from University of Kansas (USA).

Her hobbies include listening to music, watching movies and reading management related books. Ms. Subramanian is also a fitness enthusiast.

Board of Directors

Mr. Saurabh Agrawal is the Chief Financial Officer of the Tata Group, having joined Tata Sons Limited, in June 2017. He has completed his undergraduate degree in Chemical Engineering from IIT, Roorkee and has a post graduate management degree from IIM, Kolkata. He is amongst the most successful investment bankers in India and has over two decades of rich experience in capital markets. Mr. Agrawal has a sterling record in both strategy and execution, covering a wide range of industries. Prior to Mr. Agrawal's appointment as the Chief Financial Officer of the Tata Group, he was Head of Strategy of the Aditya Birla Group.

Board of Directors

Mehernosh B. Kapadia
Additional and Independent Director

Mr. Mehernosh B. Kapadia (DIN: 00046612) has been appointed as an Independent Director of the Company w.e.f. October 24, 2017. He holds a Master's degree in Commerce from the University of Bombay and is a Member of The Institute of Chartered Accountants of India and The Institute of Company Secretaries of India.

 Most of his corporate career of 34 years has been with GlaxoSmithKline Pharmaceuticals Limited (GSK) where he has worked for over 27 years. He retired as the Senior Executive Director and Chief Financial Officer of GSK w.e.f. December 1, 2014. Over the years, he has been responsible for an extensive range of finance and company secretarial matters. He has also held management responsibility for other functions during his tenure with GSK, including Investor Relations, Legal and Compliance, Corporate Affairs, Corporate Communications, Administration and Information Technology and has held the position of Company Secretary for many years.

 Currently, Mr. Kapadia serves as an Independent Director on the Boards of HDFC ERGO General Insurance Company Limited and Tata Asset Management Limited. He is Honorary Member of the State General Committee of St. John Ambulance Association, Maharashtra State Chapter and Honorary Vice President on the District Council of East Bombay Bharat Scouts and Guides District Association.

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