We-are-Niyogin

Our Company

We are niyogin

Sanskrit for “empowerment”, Niyogin is born out of a deep understanding of the real problems faced by small businesses every day - beginning with collateral free access to credit. We are a passionate team of people who are re-imagining the future of small businesses in India by applying technology, data, analytics and human understanding.

 

Our-Vision

Mission

Our Mission

Our mission is to give small businesses access to a holistic support system, through cost efficient, innovative technology and a committed network of partners.

Vision

Our Vision

Our vision is to be the country’s best small business centric organization, empowering customers through an ecosystem of products, partnerships, technology and exceptional customer experience.

Our-company-carousal

Our Story

Our Core values

Our Core Values

The energy of youth and the experience of age have come together to form niyogin and its strong set of values.

Trustworthy

Trust

Trust is at the foundation of what we do and this reflects across all our interactions, be it with employees, customers or partners.

SME Business Loan

Innovation

We are always thinking ahead and beyond the usual. Questioning existing practices and continuously striving to improve.

Enterprise Business Loans

Flexibility

We understand how dynamic our environment is - change, truly being the only constant. Open to ideas, we readily adapt to emerging business scenarios today.

Agile

Agility

Nimble and responsive, we pride ourselves on making quick decisions and translating them into a competitive advantage.

Customer Centricity

Customer Centricity

We put ourselves in the shoes of our customers to delight them from the moment they come on board. Empathy is not just a noun for us, it is a philosophy.

Transparent

Transparency

Openness and honesty is a value we treasure. We take feedback in our stride, good or bad and are seriously committed to transparency with all stakeholders

Working with Niyogin

Working with niyogin

Driven by meritocracy & collaboration, we drive ownership and accountability, making fast decisions and getting results. Without traditional hierarchies, we foster an environment of trust & integrity, champion each other and have each other’s’ backs. At the end of the day- the only HERO is the team!

Our Founder

Our Founders

  • Amit Rajpal

    Non-Executive Chairman & Co-Founder

    Amit Rajpal - Non-Executive Chairman & Co-Founder at Niyogin

    Amit Rajpal

    Non-Executive Chairman & Co-Founder

    Amit is Non-Executive Chairman & Co-Founder at niyogin and an expert in the area of financial services investing. He believes that the best business models are built by effectively leveraging under-utilized resources to add value to under-serviced customers. This is in part, what drove him to start niyogin.

    He is currently CEO of Marshall Wace Asia based out of Hong Kong. Marshall Wace is one of the largest hedge fund managers globally in the equities space. Prior to this, Amit worked at Morgan Stanley for 11 years as part of the FIG research group, leading the consistently highly ranked Asian bank’s research franchise and was also responsible for leading the Global bank’s Research team –his talent was recognized early by Morgan Stanley who promoted him to Managing Director (MD) at the age of 30, one of the youngest MD’s in the history of the firm.

    Amit completed his MBA (equivalent) from IIM Calcutta. He is also a qualified Cost and Works Accountant (ICWA) and completed his B.Com from University of Mumbai. He tries to keep fit by playing tennis and is passionate about the game.

     
  • Gaurav Patankar

    Co-Founder

    Gaurav Patankar - Co-Founder at Niyogin

    Gaurav Patankar

    Co-Founder

    Gaurav, the Co-Founder of niyogin, is an institutional investment professional focused on emerging markets, alternatives and impact investing. He started niyogin because he believes that Indian SMEs have great potential and can reach heights with the right help, at the right time, through appropriate channels.

    Over his 20-year career, Gaurav Gaurav has led investment and research teams at large institutional platforms such as Bloomberg, Bank Of America, BNY Mellon, Lockheed Martin, Citi, Millennium Partners & M&T Bank. Prior to his investment career, Gaurav co-founded Information Interface India Private Limited (Promoter of Niyogin).

    He holds a Ph.D. in Social and Political Sciences, an M.B.A. in Finance and Strategy and a Bachelor’s degree in Electronics and Telecommunications Engineering.

     
  •  

Our Team

Our Team

  • Tashwinder Singh

    Chief Executive Officer

    Tashwinder Singh - Chief Executive Officer

    Tashwinder Singh

    Chief Executive Officer

    As the CEO for niyogin, Tashwinder is responsible for creating and implementing the vision and mission, leading the development and execution of long-term strategies and building shareholder value.

    Tashwinder comes with more than 26 years of leadership experience in both strategic and operational roles with significant background in General Management, Banking, Wealth Management and Private Capital Investing. He has been associated with Citigroup, KKR and O3 Capital in his previous roles where he held executive leadership positions.

    Tashwinder is an accomplished team-builder with a passion for setting the corporate vision, defining and implementing future-driven strategy and growing businesses through entrepreneurial innovation and a customer-centric approach. He has proven abilities across all levels of organizational management to build and manage “scale of business” which is focus for Niyogin’s platforms in business services, wealth and payments. During his long career in the Banking industry, he has built expertise in the areas of Investment Banking, Commercial Lending, Deal Diligence, Underwriting, Principal Investing & Asset Management Businesses in India.

    He holds a Master in Business Administration degree from Faculty of Mgmt. Studies (Delhi University) and BE (Electrical) from Delhi College of Engineering (Delhi University).

     
  • Himanshu Rajpal

    President & Chief Business Officer

    Himanshu Rajpal - Chief Business Development Officer at Niyogin

    Himanshu Rajpal

    President & Chief Business Officer

    As the Chief Business Officer, Himanshu is focused on converting the business vision to a profitable customer story for the SME segment in India. He is responsible for the Go To Market for off-line and on-line business partnerships, marketing & digital strategy, channel development, consumer acquisition & PR & communications. Himanshu is a strong proponent of value based ecosystems built on data analytics, robust partnerships and excellent execution. His dream at niyogin is to support the creation of a truly transformative digital organization which helps in nurturing the growth of small businesses in the country.

    Himanshu brings in over 18 years of rich and varied experience, leading steady state and start-up businesses in organizations such as Standard Chartered, PepsiCo, Euronet & PayPal amongst others across FMCG, unsecured consumer credit, digital technology and payments. His previous stints also include setting up the sales blue-print & driving the retail merchant business for Pinpoint Pty limited (now a Mastercard company), a leader in merchant loyalty programs for their entry into the Indian market. His last role was with PayPal where he was the Director for Cross-Border payments, leading SME businesses with particular focus on market-places, channel partners and strategic alliances to bolster the growth of the India portfolio.

    He has completed his PGDM in Business Management from T A Pai Management Institute and B.Com from Nagpur University. In his free time, Himanshu is a voracious reader, practices power yoga, plays cricket and is a budding baker as well.

     
  • Parag Chopde

    President & Chief Risk Officer

    Parag Chopde - President at Niyogin

    Parag Chopde

    President & Chief Risk Officer

    In his current role, his responsibility encompasses Business Development and Sales, Network Management and Operations, Product Management, Marketing and Channel Development. He is passionate and loves building businesses and seeing them come to life, making MSME clients & all stakeholders happy and seeing them come back. He believes that niyogin will have an impact in building an ecosystem for sustainable, completely digitally supported, and inclusive MSME financing that the user base will love.

    He brings over 24 years of experience in banking & financial services industry. Prior to niyogin he served for around 6 years in the transformation journey of RBL Bank as the Head of MSME Finance, Head Risk – Agri Business, Development Banking & Financial Inclusion Group., Head Risk-Business Banking for RBL Bank, Head Credit & Risk - Exim Bank (T) Ltd., has spent over a decade across various locations & positions with Citi-ABF, Program Risk Head (ABF) for Citi - ELC India & Product Head - Supply Chain Finance for Global Subsidiary Group, Citibank, India.

    Parag holds a Master’s in Commerce, Master’s in Philosophy (Commerce), Master’s in Business Administration from Nagpur University. He enjoys reading, watching cricket & tennis, listening to music in his free time.

     
  • Noorallah Charania

    Chief Operating Officer

    Noorallah Charania - Chief Operating Officer at Niyogin

    Noorallah Charania

    Chief Operating Officer

    Noorallah leads operations for niyogin. What brought him to niyogin was the drive to deliver innovative and technology-based, world class operations by flawlessly executing the business strategy. In his role here, he seeks customer excellence through trustworthy and reliable operations while proactively managing risk.

    He has over 24 years of experience in Operations, Internal Control Audits, Risk Management, Credit Management, Documentation Handling & Treasury Management (Foreign Exchange). He has held senior positions in various financial organizations such as Aditya Birla Group, RBS and HDFC Bank. His strength lies in his understanding of the processes and transactions including operational experience in taking any transactions through all aspects of their lifecycle. He utilizes keen analysis, valuable insights and a team approach in carrying out velocity models and applying different methods of time-depth conversion.

    An MBA from Annamalai University with a CAIIB from the Indian Institute of Banking and Finance, Noorallah enjoys cricket, football, music and reading in his free time.

     
  • Rumit Dugar

    Chief Financial Officer

    Mr. Rumit Dugar - Head – Chief Financial Officer

    Rumit Dugar

    Chief Financial Officer

    As the Chief Financial Officer, Rumit is focused on finance function of the firm driving capital allocation, investor engagement and supporting the governance framework. He also leads the corporate strategy effort including M&A for the firm and supports business execution specifically on the products and new strategic partnerships.

    Rumit brings in over 15 years of rich experience encompassing technology consulting and institutional equities business with leading organizations such as JP Morgan, Infosys & IDFC amongst others. Rumit has been India’s top rated (Ranked No 1 in Asia money) Tech analyst for two consecutive years 2015 & 2016, and was part of Institutional Investor rated team at JP Morgan. Rumit started his career in 2004 in ERP consulting and then moved as a technology analyst to institutional equities business within the investment bank. As an analyst he has covered technology and telecom companies across geographies including India, Europe and Hong Kong. His last role was with IDFC securities in India where he led the Technology and Telecom equity research team. Rumit has extensive experience in research, capital raising (IPOs) and business strategy with strong focus on technology domain.

    Rumit is B.E Computer Science from M.S. Ramiah Institute of Technology, Bangalore and Master in Business Administration in Finance from SP Jain.

     
  • Neha Agarwal

    Company Secretary & Compliance Officer

     
    Neha Agarwal -Company Secretary and Compliance Officer

    Neha Agarwal

    Company Secretary and Compliance Officer

    Ms. Neha Agarwal is Company Secretary and Compliance officer at Niyogin where she is responsible for handling compliances under Companies Act, RBI and other regulatory compliances. She has more than 6 years of experience in the field of Company Law, SEBI Act and Rules & Regulations made thereunder.

    She is an associate member of the Institute of Company Secretaries of India, Bachelor of Law and Bachelor of Commerce with specialization in Financial Accounting & Auditing.

     
  • Devanand Chaudhary

    Chief Sales Officer-Retail

    Devanand Chaudhary -Chief Sales Officer-Retail

    Devanand Chaudhary

    Chief Sales Officer-Retail

    As the Chief Sales Officer-Retail, Devanand is responsible for building and delivering business volumes through the retail channel ecosystem for niyogin. He is responsible for the Go To Market strategy & execution, retail channel development and customer acquisition. Devanand is a firm believer in the strength of SMEs as a key contributor towards the growth of economy & is passionate to adopt various technologies for extending best in class experience to customers and partners.

    Devanand brings in over 13+ years experience in SME/MSME Sales Lifecycle Planning & Execution, Strategy Development & Execution  for Retail & Enterprise Channel, He has worked with Vodafone India Limited for 10+ years in various roles & assignments,majorly in SME Segment- Mumbai Circle. He was part of various new product/service launches for SME Segment.

    He has completed his PGDMM in Marketing Management from NMIMS and B.Com from Mumbai University. Devanand loves travelling, listening to music,reading blogs/articles,exploring & learning new technologies.

     

Our Board of Directors

Our Board of Directors

  • Amit Rajpal

    Non Executive Chairman & Co-Founder

    Amit Rajpal - Non-Executive Chairman & Co-Founder at Niyogin

    Amit Rajpal

    Non Executive Chairman & Co-Founder

    Amit is Non-Executive Chairman & Co-Founder at niyogin and an expert in the area of financial services investing. He believes that the best business models are built by effectively leveraging under-utilized resources to add value to under-serviced customers. This is in part, what drove him to start niyogin.

    He is currently CEO of Marshall Wace Asia based out of Hong Kong. Marshall Wace is one of the largest hedge fund managers globally in the equities space. Prior to this, Amit worked at Morgan Stanley for 11 years as part of the FIG research group, leading the consistently highly ranked Asian bank’s research franchise and was also responsible for leading the Global bank’s Research team –his talent was recognized early by Morgan Stanley who promoted him to Managing Director (MD) at the age of 30, one of the youngest MD’s in the history of the firm.

    Amit completed his MBA (equivalent) from IIM Calcutta. He is also a qualified Cost and Works Accountant (ICWA) and completed his B.Com from University of Mumbai. He tries to keep fit by playing tennis and is passionate about the game.

     
  • Makarand Patankar

    Promoter Director

    Makarand Patankar - Promoter Director at Niyogin

    Makarand Patankar

    Promoter Director

    Mr. Patankar brings with him over 40 years of multinational experience in Strategic and Financial roles within industry verticals of Financial Services, Pharmaceutical, Healthcare and Retail in organisations such as Glaxo, TATA & TNT.

    He also has a wealth of experience around Network Management as well having pioneered the development of the 3i network across the country. He now facilitates the alignment of the strategic vision, business expansion and delivery mechanisms for the company.

    Over the years, Mr.Patankar has structured and successfully executed several IPOs, EOU-Buy-Backs, Carve-out M&A’s and other deals. He is amongst the most respected thought leaders in the area of financial logistics in India and leads several community programs and philanthropic initiatives.

     

     
  • Kapil Kapoor

    Independent Director

    Kapil Kapoor - Independant Director at Niyogin

    Kapil Kapoor

    Independent Director

    Kapil started his professional career in 1987 with Nestle India Limited. He was also a part of the management team of Bausch & Lomb serving in Russia, Ukraine, East Africa and SAARC region. He re-located to Thailand on becoming the Country Manager of Bausch & Lomb and subsequently got promoted as the commercial director in 1998 with regional responsibility for South East Asia.

    He currently serves as the Chairman and Non-Executive Director of Info Edge (India) Limited, and is also on the Board of Trustees of the International Foundation for Research and Education (Ashoka University).

    He also held the position of Global Chief Operating Officer for Timex Group USA, Inc. from Oct 2009 until May 2013 and various other positions within the Timex Group between 2000 and 2009 such as Managing Director, Chairman, Senior Vice President of the Asia-Pacific Region.

     
  • Sutapa Banerjee

    Independent Director

    Sutapa Banerjee - Independant Director at Niyogin

    Sutapa Banerjee

    Independent Director

    Sutapa has close to 24 years of experience in financial services across large multinational banks - ANZ Grindlays and ABN AMRO. She built and headed several businesses, a well-recognized thought leader in the wealth management space. She headed and successfully built the Private Wealth businesses at both ABN AMRO Bank and Ambit Capital from scratch.

    She was voted one of the ‘Top 20 Global Rising Stars of Wealth Management’ by the institutional investor group in 2007 - the only Indian and one of only two winners from Asia. Under her leadership, as the CEO of Ambit Private Wealth the team won ‘Best Private Bank in India in the 2013' Asia Money polls. She has the laurels of being voted as among the top '50 most Powerful Women by Fortune India in 2012'.

    Sutapa, is an advanced leadership fellow (2015) of Harvard University. Her area of study at Harvard was responsible investing, business practices and the use of a gender lens. She currently works, writes and speaks actively in this space. A member of the CII National Committee on Integrity and Transparency in Governance she also serves on the Advisory Panel of the ‘India Responsible Business Forum’ (IRBF).

    Currently, she is consulting in the wealth, investments management area and is on the board of directors (Independent Director) for leading companies (JSW Group, Godrej Properties, Camlin Fine Sciences Limited). She also represents women’s world banking as a nominee director on the Board of their Investee company Ananya Finance in India.

     
  • Eric Wetlaufer

    Independent Director

    Mr. Eric Wetlaufer - Independant Director at Niyogin

    Eric Wetlaufer

    Independent Director

    Eric earned a B.A. from Wesleyan University, Middletown, Connecticut, is a Chartered Financial Analyst and a certified member of the Canadian Institute of Corporate Directors. He provides counsel as a director, advisor and investor to a range of large public to smaller private companies, with a particular focus on technology and financial sectors.

    As a seasoned institutional investor, Eric most recently was responsible for leading the CPP Investment Board’s Public Market Investments department, a multi-strategy platform of 220 portfolio managers analysts and traders investing globally over C$180 billion in publicly-traded assets and related derivatives for Canadian beneficiaries. Prior to joining CPPIB in 2011, he was Group Chief Investment Officer, International at Fidelity in Boston, Massachusetts. Prior, held the roles of Chief Investment Officer at Putnam Investments and Managing Director at Cadence Capital Management in Boston.

    He currently serves on the Board of Directors of the TMX Group and of Soulpepper Theatre Company and is an advisor to GrainDiscovery, CryptoNumerics and the Aion Foundation and is a past president of the CFA Society Boston.

     
  • Subhasri Sriram

    Independent Director

    Subhasri Sriram - Independant Director at Niyogin

    Subhasri Sriram

    Independent Director

    Mrs. Subhasri Sriram is a finance professional with close to three decades of experience across various industries, out of which, more than 15 years has been at CFO position in a leading financial services business.

    She is a fellow member of Institute of Company Secretaries and Institute of Cost Accountants of India. She also holds a Post Graduate Diploma in Cyber Laws.

    Mrs. Subhasri has won the “Best Performing CFO in the NBFC Sector” Award for the year 2013 at the 8th edition of the awards instituted by the leading business television channel CNBC TV18. Again, in June 2016, she was selected as one of the top 100 most influential CFO’s of the country.

    She was an Executive Director and Chief Financial Officer of Take Solutions Limited. Under her leadership, Take Solutions Limited had won the Golden Peacock Award for Excellence in Corporate Governance, instituted by the Institute of Directors, London in the year 2017 & 2018. She currently serves as the Board member of TVS Electronics Limited, APA Engineering Private Limited, Ecron Acunova Limited and Jaikirti Management Consultancy Private Limited.

     
  • Gaurav Patankar

    Non-Executive Director

    Gaurav Patankar - Non-Executive Director at Niyogin

    Gaurav Patankar

    Non-Executive Director

    Gaurav, the Co-Founder of niyogin, is an institutional investment professional focused on emerging markets, alternatives and impact investing. He started niyogin because he believes that Indian SMEs have great potential and can reach heights with the right help, at the right time, through appropriate channels.

    Over his 20-year career, Gaurav Gaurav has led investment and research teams at large institutional platforms such as Bloomberg, Bank Of America, BNY Mellon, Lockheed Martin, Citi, Millennium Partners & M&T Bank. Prior to his investment career, Gaurav co-founded Information Interface India Private Limited (Promoter of Niyogin).

    He holds a Ph.D. in Social and Political Sciences, an M.B.A. in Finance and Strategy and a Bachelor’s degree in Electronics and Telecommunications Engineering.

     
  • Noorallah Charania

    Whole-Time Director

    Noorallah Charania - Whole-Time Director at Niyogin

    Noorallah Charania

    Whole-Time Director

    Noorallah leads operations for niyogin. What brought him to niyogin was the drive to deliver innovative and technology-based, world class operations by flawlessly executing the business strategy. In his role here, he seeks customer excellence through trustworthy and reliable operations while proactively managing risk.

    He has over 24 years of experience in Operations, Internal Control Audits, Risk Management, Credit Management, Documentation Handling & Treasury Management (Foreign Exchange). He has held senior positions in various financial organizations such as Aditya Birla Group, RBS and HDFC Bank. His strength lies in his understanding of the processes and transactions including operational experience in taking any transactions through all aspects of their lifecycle. He utilizes keen analysis, valuable insights and a team approach in carrying out velocity models and applying different methods of time-depth conversion.

    An MBA from Annamalai University with a CAIIB from the Indian Institute of Banking and Finance, Noorallah enjoys cricket, football, music and reading in his free time.

     
  •