Mr Ranjan Sharma, Managing Director of Kisan Rural Finance Ltd (KRFL)

Mr. Ranjan Sharma in addition to being the Managing Director of KRFL, is also a Director on the Board of IFFCO Kisan Sanchar Limited (IKSL) representing M/s Star Global Resources Limited and also holds the position of the Director of Star Global Resources Limited. He has a rich experience in the Indian Corporate Sector and has worked extensively in the rural domain. He has profound interest in exploring new concepts and innovative ideas for the development of the country, in particular rural India. He was a major force behind the formation of KRFL and is also one of the founders of IKSL.

Mr. Sharma conceptualized the idea of financial inclusivity to the last mile, with the goal of giving access to financial services to all farmers in the deepest rural pockets of India, where farmers predominantly rely on money lenders who charge exorbitant rates of interest from farmers in need of money. Often such farmers, who resort to money lenders for loans end up in a cycle of never ending debt as the exorbitant interest charged keeps piling up. Mr. Sharma has thus dreamt of bringing access to loans to such farmers to help them realize their dreams and help them to grow economically.

After becoming an entrepreneur in 2006, he floated an NBFC under the name and style of Star Global Resources Ltd which invests in diversified businesses after evaluating their long term business potential.

Mr. Sharma has varied experience in the Indian corporate sector spanning over 30 years. He has worked with traditional Indian business houses as well as multinational companies mainly in the fertilizer sector. His major accomplishments include implementation of mega sized projects, putting together management teams and financial structures for these ventures and setting up systems for running the businesses. He concluded more than a dozen international collaborations during his working career. He has exposure in dealing with top level government functionaries in Central as well State Governments in agriculture.

Mr. Sharma is a Cost Accountant, Company Secretary and Law graduate by qualification.

Mr. Sandeep Malhotra, Director

Mr Sandeep Malhotra joined IFFCO Kisan on 13th January, 2015 as Chief Executive Officer. He is vested with the overall responsibility of IFFCO Kisan’s affairs. He began his career with HCL and worked with Uptron, Siemens and ICICI Group before joining IFFCO Kisan.

Mr. Malhotra has more than 25 years of experience out of which 16 years were in the financial sector. During his tenure at ICICI Bank, he worked as a Project Finance Officer, financing a number of projects in manufacturing, services and infrastructure sector. He interacted extensively with Government on the policy initiatives and regulatory aspects of various infrastructure sectors like power, telecom, rural roads and railways. His last position within the Bank was General Manager, Corporate Banking – Northern Region. He has worked extensively with both corporate and public sector clients and was involved in a number of financing transactions across Asia, Europe and North America.

He has handled product segments like project finance, corporate loans, banking products like CMS/Trade Finance, treasure products, investment banking products on debt and equity side, structured products, M&A advisory and Financing and Private Equity.

Born on 13th December, 1965, he has obtained Master’s degree in Management and Systems from Indian Institute of Technology, Delhi in the year 1994 and Bachelor’s degree in Electronics & Communication Engineering from REC, Kurukshetra. He did his High School from Model School, Rohtak. He is a Gold Medalist from MD University.

Mr. Rakesh Kapur, Director

Mr. Rakesh Kapur is the Director on the Board of Kisan Rural Finance Ltd. (KRFL). He has a keen interest in adoption of ICT for the betterment of the lives of people living in rural India. Mr. Rakesh Kapur is also the Managing Director on the Board of IFFCO Kisan Sanchar Limited (IKSL), and under his guidance, IKSL has grown from a fledgling initiative to a sustainable venture.

Mr. Kapur also holds the position of Joint Managing Director and Chief Financial Officer in IFFCO. He is responsible for planning, managing and monitoring all finance and accounts related functions of IFFCO. He has also been extensively involved with all the new Projects, Acquisitions, Joint Ventures and Diversification initiatives of IFFCO from their stage of inception.

Mr. Rakesh Kapur is an ex-IRS Officer of 1978 Batch, who held the rank of Commissioner of Income Tax in his parent cadre before he was absorbed in IFFCO in October 2005. He was awarded the “Best Probationer’s Silver Medal” in the IRS Batch by the National Academy of Direct Taxes, Nagpur. He has wide experience in Finance, Management, Business Strategy, Accounts and Taxation. He held various senior assignments in the Government of India, which included Joint Secretary (Commercial), Telecom Regulatory Authority of India (TRAI); Director in the Ministry of Chemicals & Fertilizers, Department of Fertilizers; Additional Assessor & Collector, Municipal Corporation of Delhi apart from the postings in the Income Tax Department as Additional Commissioner of Income Tax, Deputy / Jt. Commissioner of Income Tax since 1978. He had also worked in Technical Services Department of the Indian Oil Corporation Ltd. (Marketing Division) during 1975-78

Mr. Kapur has travelled widely and participated in various national and international Seminars and Conferences, and presented papers on different subjects.

Mr. Kapur holds B. Tech Degree in Mechanical Engineering ( First Class with Distinction) from Indian Institute of Technology (IIT), New Delhi and a Post-Graduation in Management.

Mr. Atul Kalepatil , National Sales Head

Mr. Kalepatil has 11+ years of rich experience in the financial sector both in Secured as well as Unsecured Loans segments. He has in depth understanding of all the aspects of business though key areas include Executive Leadership, Strategic Planning & Execution, Sales & Marketing & Profitability Management.

Before joining Kisan Rural Finance Limited (KRFL), he played pivotal role in setting up Tractor Business, specially Used Tractor’s Business during his 5.5 years stint with TVS Credit., prior to which he had worked with HDFC Bank for over 5 years.

Mr. Kalepatil is a Post Graduate in Management from Prin. L. N. Welingkar Institute of Management, Mumbai University and he had completed B.tech from Dr. B.A.T.U., Lonere- Raigad.

Mr. Rakesh Dhasmana, Chief Financial Officer (CFO)

Mr. Dhasmana is a commerce graduate from Delhi University and qualified as a Chartered Accountant (C.A) in the year 1999.

Mr. Dhasmana has more than 17 years of work experience in various industries in India and abroad. He joined Indian Farmers Fertiliser Cooperative Limited (IFFCO) in 1999 and worked in various capacities in Finance & Accounts functions. He has worked in IFFCO’s JV/ Subsidiary in Egypt and U.A.E and then worked in IFFCO Tokio General Insurance Co. before joining IFFCO Kisan.

 

Mr. Dhiraj Gupta, National Credit Manager

Mr. Dhiraj Gupta has a total experience of more than 12 years, in depth knowledge of rural Finance domain and has worked across NBFC and BFSI sectors in organizations like TVS Credit Services, Axis Bank, HDFC Bank and with the State Bank of India. He has profound expertise in product management, credit analysis, IT platform development for Rural Finance, business development, and team management.

In his last assignment as Regional Credit Manager at TVS Credit services Ltd he was involved into entire Rural Credit & risk management of Rajasthan . During his last assignment he has won several accolades including famed ICON award for best employee in Pan India under Category of Innovation in Rural Credit . He has also been Instrumental in Successful launching of many project which helps in establishing Tractor finance business in Rajasthan with continuous growth under New & Used tractor segment.   

Mr. Gupta is a Graduate in Veterinary Science from Rajasthan Agricultural University and JAIIB from Indian Institute of Bankers.

Mr. Vijayandranath Banerjee, National Head Operations 

Mr. Banerjee is a resolute and committed professional offering commendable experience of 13 years of Product Diversified Skills in end-to-end customer lifecycle for Retail Asset Lending in Rural Lending, Mortgage Lending, Auto & Two Wheeler Lending & Consumer Durables lending. Mr. Banerjee is Experienced in Managing and Re-engineering the Centralized Processing Centre including Process and risk mapping with the front end operation. Experience in handling end to end customer lifecycle ( from Mortgage/Lending Origination, Credit Investigation, Loan Servicing and termination, KYC and other regulatory Compliance, designing & monitoring the Record Management ( Physical and in digitized format).

He comes from a Background of diversified entities like ICICI, CITI, HDFC & SREI. His last stint was as Regional Head Operations for North Zone in Srei Equipment Finance Ltd.

He is a star performing professional with experience in Business Process Reengineering , Mapping of Business Process to SOP, Quality Monitoring , New System development and handling improvement projects. He has having hands on knowledge of all leading applications like Finnacle (LOS and LMS), Newgen Omniflow (Origination & Collection), Omnidocs, Sungard LMS (Ambit) and CRM.