About Us

Board of Directors


Mr. Mukund S. Dharmadhikari (Independent Director)

Mr. Mukund Dharmadhikari was articled with Whinney Murray & Co., Chartered Accountants, London, UK, and qualified as a Chartered Accountant from the Institute of Chartered Accountants in England and Wales in 1975. He is a Fellow Member of that Institute as well as of The Institute of Chartered Accountants of India. He has rich experience in the fields of audit, accountancy and finance. He has been the Senior Partner of M/s A. F. Ferguson & Co., Chartered Accountants and later a Partner and a Member of the Governing Board of M/s Deloitte Haskins & Sells. Mr. Dharmadhikari has been a signing Partner of several large corporates including Tata Motors Limited., ITC Limited., Siemens Limited., ABB Limited., Coromandel Fertilisers Ltd., Pfizer Ltd, KEC International Limited., etc. He retired on September 30, 2010 after serving in the profession for over 35 years.


Ms. Anuradha E. Thakur (Independent Director)

Ms. Anuradha Thakur, a graduate in Arts (English Literature) from the Pune University and a C.A.I.I.B. from the Indian Institute of Bankers, started her career as a Probationary Officer with the State Bank of India (“SBI”) in 1973 and retired in 2007, as the Chief General Manager, Corporate Accounts Group. During her tenure with SBI, Ms. Thakur attended to diverse business requirements of the top 500 customers of SBI, arranging their loan syndications, international banking, project financing, liquidity requirements, etc.. Ms. Thakur has experience in diverse industries including petrochemicals, engineering goods and equipment, non conventional energy, textiles and pharmaceuticals. At present, Ms. Thakur is Director of the National School of Banking and a visiting faculty in the Symbiosis School of Business Management. Ms. Thakur has also been appointed as a Nominee Director by SBI, in Patnaik Steel P. Limited, Odisha.


Mr. 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.


Mr. Rajiv Sabharwal (Non-Executive Director)

Currently, Mr. Rajiv Sabharwal is the Managing Director & CEO of Tata Capital Limited. Mr. Sabharwal has over 27 years of experience in the banking and financial services industry. He was a Partner in True North Managers LLP, which was mainly involved in building and managing businesses with a primary focus in the financial service sector. 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 business and digital banking technology. Mr. Sabharwal also had successful stints with Sequoia Capital, Godrej Group, SRF Finance, GE Capital and Times Bank.


Mr. Kusal Roy (Managing Director)

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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