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accounts iconLeadership Team


Leadership Team

Mr. Vasudevan P N holds a Bachelors degree in Science from University of Madras. He is a qualified company secretary from the Institute of Company Secretaries of India. He has extensive experience in the financial services sector and had served as the Head – Consumer Banking Group in Development Credit Bank Limited, for more than one and half years. He has also worked for about two decades in Cholamandalam Investment and Finance Co Limited, part of the Murugappa Group, where he joined as a management trainee and resigned as vice president and business head of vehicle finance. He was also the chairman of the managing committee of the South India Hire Purchase Association for the Financial Year 2006.
Mr. Raghavan H K N is the Senior President of Retail, Assets and Outreach Banking at ESFBL. He joined the Equitas Group on December 8, 2008. He holds a Bachelors degree in Commerce from Osmania University and Executive Program in Business Management from Indian Institute of Management, Calcutta. Prior to joining EMFL, he had worked in various fast-moving consumer goods companies like Hindustan Unilever Limited, Agro Tech Foods Provident Fund, Henkel SPIC India Limited, Dabur Foods Limited and Subhiksha Trading Services Limited.
Mr. Sanjeev Srivastava is the President & Country Head of Branch Banking, Liabilities, Product & Wealth at ESFB. He has an immense banking experience of almost three decades, and has closely seen how industry has evolved and transformed with continuous technology upgrades. Prior to joining Equitas, Mr. Srivastava has worked with several banks like IndusInd, ING Vysya and IDBI. Over the course of those years, he has been instrumental in managing and growing the business of branches, increasing distribution network, building teams, and enhancing revenues across the country.
Bhadresh Pathak (prefers being called as ‘Bhadresh’) is a versatile banker with experience in SME, Retail and Corporate Banking spanning over twenty four years. Bhadresh began his career as an Electrical Engineer with Godrej Industries Ltd and entered into financial services industry after his Management degree. He has served reputed institutions like GLFL, IDBI Bank, Axis Bank and Yes Bank. In his previous assignment, he worked as the Head of Business Banking at Yes Bank. Bhadresh has carried out several prestigious assignments like setting up Small Business Banking & Supply Chain Finance Business at Axis Bank and transforming the SME business at Yes Bank. He was born and brought up in Ahmedabad. He has acquired the qualifications of BE, MBA and LLB from Gujarat University.

Mr. Sridharan N is the Chief Financial Officer at ESFBL. He joined the Equitas group on August 16, 2010. He holds a Bachelors degree in Commerce from University of Madras and is also a qualified chartered accountant from the Institute Chartered Accountants of India. He has over three decades of experience in finance and accounts. He started his career with CMC Limited in 1986 and he was Deputy General Manager- Finance and Internal Audit at the time of resignation. His prior experience includes SRA Systems Limited as General Manager- Finance for nine years and was associated with Subhiksha Trading Services as Vice President – MIS and Commercial Control.
Natarajan is a career banker having nearly 30 years of service in multiple banks. He started as a Probationary Officer in Canara Bank - Bangalore in Treasury from 1988 and served the Bank till 1997 before moving to one of India’s leading private sector banks – IndusInd Bank. He headed ALM, Fixed Income and FX trading desks there. In 2007 he moved to Bank of Nova Scotia (Scotia Bank) - Mumbai to head the Treasury for India and Egypt and served there till recently.

He was born and brought up in Chennai having undertaken his schooling and college in Chennai. He is a Graduate of Commerce and is a Certified Associate of Indian Institute of Bankers.

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Kalyanaraman M, joined Equitas SFB in September 2017 and heads the bank’s Outreach Banking efforts. The Banking Correspondent (BC) network is an important channel in ESFB’s growth plans with continuous efforts to consistently deliver banking services, seamlessly, across geographically diverse touch points. The Outreach Banking team works closely with all the banking departments to help establish the BC franchise.

By qualification Kalyan is an engineer with post-graduation in management. Kalyan has nearly three decades of experience in the Indian BFS sector and has worked in teams across NBFCs, Investment Bank and MNC bank. His exposure covers the start-up, maintenance and building of loan portfolios, across India geography; like-wise, dealing with different customer profile(s) – Corporate, Commercial, SME and Retail.

Dheeraj Mohan heads Corporate Strategy, Investor Relations and Analytics at ESFBL. An Alumnus of Kirloskar Institute of Advanced Management studies, with over 16 years of experience has worked with some of the leading NBFCs and Captial Market participants like Cholamandalam, Edelweiss and Anand Rathi Financial services before joining Equitas in 2015.

​​Mr. Ramasubramanian is the Business Head of Emerging Corporates Group ( ECG). He joined the Bank in March 2017.

Ram has rich experience in Financial Services, Accounting, and IT Space and has played Leadership roles in Financial Services and IT space like Cholamandalam, Hexaware Technologies, HCL, Polaris, to name a few.

He is a Cost Accountant, holds a Post graduate degree in Commerce and a Post graduate diploma in Financial Management.
Sharad Goklani completed his MCA from University of Rajasthan, Jaipur, in 1994. He carries a rich experience in creating and managing software systems, through which, he has contributed to the growth of IT, Telecom, and BFSI industries over the last two decades.

As a General Manager at Bharti Airtel Limited, he headed the technology team to create India’s first semi-closed wallet at scale – Airtel Money. He was later the CIO of Airtel’s Enterprise Business. He also setup a Testing Center of Excellence at Airtel, before joining ESFBL in August 2016 in a senior management role, and has been driving delivery of innovative products and solutions here since then.

Alok Gupta is a professional risk manager with work experience in banking, mutual funds, risk advisory and technology. In his experience of close to 20+ years, he has worked with organisations such as Kotak Mahindra Bank, ICICI Bank, Cholamandalam Mutual Fund, Oracle and SunGard.

He is a post graduate in business administration (PGDBM) with global risk management certification – Financial Risk Manager (FRM) from GARP. His risk management experience largely covers enterprise risk management, asset liability management, market risk, funds management, portfolio and risk analytics, etc.

He joined Equitas from Kotak Mahindra Bank, Mumbai, the city where he practically started his career at Cholamandalam.

After work, you can find him spending time with his twin little daughters, and going out with family & friends.

He is an avid cricket fan but also likes to watch other sports and listen to light music.