Mr. Kusal Roy is the Managing Director of Tata Capital Financial Services Limited. Mr. Roy is a management professional with 23 years of experience, largely in Retail Unsecured Lending and Payments, at Citibank NA, Barclays Bank Plc. and ICICI Bank Ltd. In his last role from 2010-18, Mr. Roy was Senior General Manager and Head of Payments Businesses and Unsecured Loans at ICICI Bank Ltd. In this role, he headed the Cards (Credit, Debit, Prepaid) and Personal Loans and Business loan businesses. Prior to this, Mr. Roy was a founding partner with IncValue Advisors, an advisory firm engaged in management consulting, financial intermediation, and incubation, apart from being associated with Barclays and Citibank India. Mr. Roy has graduated from Indian Institute of Technology (IIT), Kharagpur in 1993, and post-graduated from Indian Institute of Management (IIM) Ahmedabad in 1995.
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