Think Cash
Think Lendingkart

Committee Members

Ms. Uma Subramaniam

Chairman - Independent Director

Mr. Harshvardhan Lunia

Member - Managing Director

Mr. T.V Rao

Member - Independent Director

Member - Non-Executive Director

Ms. Uma Subramaniam

Chairman - Independent Director

Ms. Uma Subramaniam, the former Principal Chief General Manager of the Reserve Bank of India, and the former Chief General Manager in charge of the Department of Non- Banking Supervision, has been associated with the RBI for 36 years, with over two decades of experience in supervision.

During her lasting and remarkable journey at the RBI, she had been closely involved in the multifarious avenues of the banking and financial services sector ranging from rural credit, monitoring of small sick industrial units, currency management, customer service for government departments, to carrying out AFIs, Portfolio reviews, special scrutiny and overseeing banking and non-banking institutions.

She has been part of two of the most crucial departments at RBI, viz Department of Non-Banking Supervision (DNBS) and the Department of Banking Supervision (DBS) at the Central Office.

As the Chief General Manger in charge of the DNBS, Central Office, in addition to leading the non-banking regulation and supervision, she was also the Secretary to the Usha Thorat Working Group and was instrumental in shaping the supervisory approach to the Non-banking Sector, regulatory framework for the ARCs, companies lending against gold, MFIS and factors.

While serving at the DBS, she was involved in overseeing numerous banks including banks with overseas presence, creation of the OSMOS framework for reporting by banks, preparation of the Inspection manual.   

In addition to being part of multiple working groups set up by the RBI and the Central Government, she has also represented India in the Steering Group for Resolution of Financial institutions at Bank for International Settlements, Basel, Switzerland.

She has actively contributed to the academic sector, by overseeing the erstwhile Bankers Training College, Mumbai and the Reserve Bank Staff College, Chennai and streamlining the contemporary concepts of smart classrooms, e-learning and virtual learning.

Mr. Harshvardhan Lunia

Member - Managing Director

Mr. Harshvardhan drives the primary aspect of business – designing innovative credit solutions and delivering them in the most simple and efficient manner to SMB’s. He started his career with large private sector and multinational banks in their small loan divisions. Early in his career he was intrigued by passion of small business owners who inspite of being credit worthy were not served by existing lenders. Credit decisions in banks take months. His vision is to implement Big data credit scoring with analytics and artificial intelligence. He is a Chartered Accountant and pursued his Post Graduation from ISB (Indian School of Business, Hyderabad). In his free time, he loves walking and exploring the world with his wife.

Mr. T.V Rao

Member - Independent Director

Mr T.V Rao has over 35 years’ experience in Banking, Foreign Trade and Housing Finance Sectors with specialization in Management of Treasury, Investment and Corporate Finance Operations, Securitization and Structured Finance, product development (Reverse Mortgage etc.), Training, Research, Capacity Building and Regulation and Supervision of Housing Finance Institutions. He is director on the boards of corporates in NBFC, HFC, Insurance and Manufacturing sectors.

Mr. Rao has been the Faculty in several Training Programmes and Symposia on Treasury and Investments, MBS organized by NHB and other renowned Research and Training Institutions in India. He has also been a distinguished speaker in various universities and autonomous educational institutions. He has headed the Treasuries of National Housing Bank, SIDBI and India Exim Bank.

He is a Practicing Chartered Accountant by profession

Mr. Anand Pande

Member - Non-executive Director

Mr. Anand Pande is a Non-Executive director of the Company nominated by Fullerton Financial.                  

Mr. Anand Pande is the Founder of the independent Singapore based advisory firm ‘The Growth Paradigm Partnership’ (“GPP”). GPP works with financial institutions and fintechs on the business strategy side.

Mr. Pande has nearly 30 years of industry experience in corporate banking and global transaction banking covering Asia, Europe, North America and Middle East. He has also been a Group CEO of private equity loss making investee company in the area of equity and fixed income research outsourcing, which he helped turned around and position to a successful exit.