Ambit's defining value: Our ability to deliver the right solutions on time, ensuring a smooth and hassle-free loan journey with outstanding customer support every step of the way.
Values
Holding oneself accountable for delivering results first. Holding others accountable second. Taking ownership and responsiility for all results, good or bad.
Active listening with empathy for understanding "super needs" of clients and creating unparalleled with speed and agility. Continously surpassing the bar set by clients. Innovating through better products, solutions and services that attract the best clients and delight them by surpassing expectations.
All businesses work seamlessly with each other. Trust , responsiveness and reliability is the plank on which cooperation is built. Ideas are respected and valued and everyone is respected to with grace.Clients ,peers and the outside world see us as "One Ambit".
Inspiring a culture wherein prime importance is placed on respect and dignity of every individual. Generosity and sharing our intrinsic to our actions. Being fair and considerate and providing a chance to be heard to every employee.
Strong sense of ownership and drive. Consistently identifying new opportunities. We have the curosity and courage to make choices with the ability to take calculated risks,innovate and take charge-to run with tasks and activities independently with little or no supervision.
Continous learning is the foundation for excellence. Flawless quality is all its form content, presentation and execution for both internal and external purposes.Being a game changer.
Truthfulness and Honour are foundations. Doing what you say and Uncompromising levels of integrity and transparency are critical. Aligning individual goals to those of the firms to avoid any conflict of interest.
Rewards, Growth and Development opportunities are clearly differentiated basis performance. Comprehensive and fair evaluation of performance, potential and living company values,forming the basis for rewards, employee career development and growth.
Management Team
Anil Jaggia has close to four decades of expertise in Banking and Financial Services covering HDFC Bank, Centurion Bank of Punjab and Citi Bank. A senior banker with an impeccable leadership track record, Anil brings in considerable expertise in Information Technology, Risk Management, Finance, Customer Service, Operations, Financial inclusion, Enterprise Transformation, Quality Improvement, and Administration. He is presently an Advisor and Consultant in Financial Services sector.
Anil is ex-Group Head and ex-Chief Information Officer of HDFC Bank. He is well known in the Banking Industry as a Technology leader who spearheaded HDFC Bank’s IT function at a market leadership position. At HDFC Bank, he also led the various other functions like Legal, Financial Inclusion, Quality and Customer Service . As Chief Operating Officer, he was responsible for IT, Finance, Operations & Legal functions and was part of the core leadership team which helped restructure and recapitalize Centurion Bank of Punjab. He has successfully executed three mergers, while integrating all business processes including IT system in record time. Anil has worked with Citibank in India, Singapore and USA in businesses covering Cash Management, International Trade, Foreign Exchanges & Derivatives, Asset Sale and Commercial Cards and worked across functional areas including Business Management, Product Management, Operations, Sales and Trading. He held the position of Head – Forex & Derivatives as his last assignment with Citi Bank in India.
Currently on the Board of Ctrl S Datacenters Ltd and Epimoney Private Limited, He has been associated with Epimoney Pvt Ltd, a Fintech lending startup, since inception in 2016 and guided the company in a nascent sector through various business cycles and led the Risk Management and IT at the board level. Anil has previously served on the Boards of Yes Bank Ltd as an Independent Director where he headed the IT Strategy Committee and served on various other committees including risk Management. He has also served on the boards of SBI Cards and Payment Services Private Limited and HDB Financial Services Limited. While serving on the Board of HDB Services during its growth phase, Anil played a key role in guiding strategy, IT, Risk Management and Credit.
He has also served on the Global Customer Advisory Board of IBM; and Global Customer Advisory Board of CISCO.
He is a MBA (PGDM) from IIM Ahmedabad and B. Tech. from IIT Kanpur.
Mr. Sanjay Agarwal is the Chief Executive Officer of Ambit Finvest Private Limited. Before joining Ambit Finvest, Mr. Agarwal established Finmax Credit and Finance Pvt. Ltd., a retail NBFC that was later acquired by the Ambit group. Under his guidance, the SME Lending business has had remarkable growth in AUM i.e. CAGR of over 80% since September 2018.
With nearly three decades of experience in the financial services industry, Mr. Agarwal exemplifies a strong entrepreneurial drive, exceptional business acumen, and robust credit underwriting skills.
Notably, during his tenure at Yes Bank, he successfully built an MSME lending book worth over INR 18,000 crore, disbursing loans exceeding INR 35,000 crore. He established and expanded the MSME lending team of over 800 members, extending Yes Bank's reach by 110 locations.
While serving as the Head of Risk at Standard Chartered Bank, Mr. Agarwal played a pivotal role in the introduction of the Unsecured Business Loan Product for SMEs. This product has now become a standard lending template in the industry.
Moreover, he has held significant leadership positions in esteemed organizations such as Centurion Bank of Punjab, SIDBI, and SBI Commercial & International Bank Ltd.
Throughout his illustrious career, Mr. Agarwal has facilitated the disbursal of over INR 1 Lakh Crore in loans within the MSME lending space, showcasing his deep expertise and remarkable contributions to the industry.
In 2010, ICAI had conferred him with the prestigious “Professional Achievers Award” for his exceptional achievements as a professional. In 2015, he was honoured with a Certificate of Recognition for enhancing the brand image of ICAI.
Mr. Sanjay Agarwal is a Chartered Accountant (Rank holder) from The Institute of Chartered Accountants of India and a Cost Accountant from The Institute of Cost and Works Accountants of India and has a Bachelor's degree in Commerce from Mohanlal Sukhadia University, Udaipur, Rajasthan.
Mr. Vikrant Narang is the Deputy CEO of Ambit Finvest Private Limited. He has played a pivotal role in building the Retail SME Business at Ambit Finvest, including setting up credit and operational policies and processes, rolling out the branch expansion strategy, portfolio management, and treasury operations.
Mr. Narang has more than two and a half decades of experience in the financial services industry across building retail MSME business, corporate finance, debt and equity capital markets, and structured capital raising solutions. Prior to joining Ambit, he was a senior member of the KKR (NBFC) business, where he originated and underwrote numerous lending transactions. Previously, he was a Director at Barclays Capital (Investment Banking), responsible for client coverage across large Indian Groups, mid-market clients, and financial sponsors. Mr. Narang also worked in the Investment Banking division at ABN AMRO Bank and PwC. He has managed relationships across industries and diligence and managed portfolios for several years while being part of KKR, Barclays, and ABN AMRO. Extensive specialized experience across structured credit, acquisition financing, syndicated loans, and corporate finance advisory in onshore and offshore markets.
He is a member of the National Forum on NBFCs and HFCs of the Confederation of Indian Industry (CII) and the National Committee on NBFCs of the Federation of Indian Chambers of Commerce and Industry (FICCI).
Mr. Vikrant holds B.A. (Hons.) Economics from SRCC, University of Delhi. He is also a qualified Chartered Accountant from the Institute of Chartered Accountants of India.
Mr. Sanjay Dhoka is the Chief Operating Officer (COO) & Chief Financial Officer (CFO) of Ambit Finvest Private Limited. He is part of the senior leadership team at Ambit Finvest and plays a key role in business planning and strategic decisions. Mr. Dhoka leads the Operations, Finance & Accounts, Treasury, Admin, Regulatory Compliance, and Internal Control functions at Ambit Finvest. He also manages the company’s relationship with its various stakeholders.
Mr. Dhoka has around 30 years of cross-functional expertise from NBFCs to stockbroking and manufacturing and mining industries. He has worked at major companies such as Karvy Financial Services, the Anand Rathi Group, the Aditya Birla Group, and SOCGEN-Crosby Securities. Since 2010, he has been associated with the Ambit Group.
He has played an instrumental role in setting up and growing the NBFC arm of Ambit Group and has also been a member of the Board of the company since May 2011. He is a qualified Chartered Accountant from The Institute of Chartered Accountants of India and possesses a Bachelor's degree in Commerce from the University of Ajmer, Rajasthan.
Anil Mehta is a financial services veteran with over 40 years of experience across diverse businesses. An MBA graduate from SP Jain Institute, Anil has a profound knowledge of the mortgage, banking & insurance sectors. He is recognized for his pivotal role as the co-founder of India Shelter Finance Corporation Ltd. Founded in 2010, India Shelter became a leading housing finance company with a mission to enhance housing access for middle and lower-income segments. His strategy included developing a unique lending model focused on borrowers without regular income or credit history and leveraging technology to streamline operations.
The company successfully raised capital from marquee PE investors followed by a successful IPO in 2023, after which Anil handed over the management to a professional CEO.
His career includes key positions at Max Life Insurance, ANZ Banking Group, Bank of America, and American Express, where he led consumer credit and business functions, fostering innovation and growth.
Shalini Kamath is an Independent Director, Transformation Strategist, and Executive Coach.
Her Board positions include Abbott India, Borosil Glassworks, Johnson Controls - Hitachi, Maple Infra InvIT, Ambit Finvest, TRRAIN, and CSCGA.
As a Transformation Strategist, she assists organizations through their change and transformation journey to enhance productivity, efficiency, processes, systems, and organizational culture. She is a certified and practicing Executive Coach, having completed numerous assignments across Financial Services, Logistics, Agri, Manufacturing, and Consumer industries.
Her Human Resources career spans close to a decade and a half with Group HR Head positions for Chevron Texaco India (Oil & Gas), Star India (Media & Entertainment), KPMG India (Consulting, Audit & Taxation), and Ambit Holdings (Financial Services & Investment Banking). Prior to her roles in HR, Shalini was the Deputy Marketing Director at Raytheon India, responsible for Business Development of large multi-million dollar programs in the areas of Defense & Commercial Electronics.
Shalini began her working career in Zambia and Botswana in Southern Africa. Over a decade, she worked with the governments of both countries and acquired extensive experience in tripartite partnership projects related to community-oriented income generation programs.
Ashok Wadhwa is the Non-Executive Director of Ambit Finvest Private Limited and Group Executive Officer of Ambit. Ashok founded Ambit in 1997 and has been responsible for building Ambit into one of India's premier full-service Investment Banks.
Alongside Ambit, he co-founded RSM & Co., a tax advisory firm. He built RSM into a world-class Indian consulting house over a decade, which then merged with PricewaterhouseCoopers in 2007. Widely regarded as an incisive investment banker, Ashok has steered a broad gamut of transactions across sectors and geographies.
He is the recipient of several awards, including the Priyadarshini Academy award for Outstanding Contribution in the field of Financial Management. Before founding Ambit, Ashok was Managing Partner, Arthur Andersen, Mumbai. He is very active in industry forums and has in the past served as President of Bombay Chambers of Commerce and Industry (BCCI), Member, Managing Committee, Federation of Indian Chambers of Commerce and Industry (FICCI) and Member, Managing Committee, Young Presidents’ Organization (YPO).
Ashok is a Chartered Accountant and Law graduate from the University of Mumbai.
Mr. Ameet Parikh is the Managing Partner of Morphis Business Advisory, a successor to Tranzmute Capital & Management, a company he co-founded in 2011. Ameet is a Chartered Accountant from The Institute of Chartered Accountants of India and a law graduate with over 34 years of professional services experience.
After qualifying as a CA in 1984, Ameet started his career with Arthur Andersen during its start-up phase in India. He held leadership positions at Arthur Andersen and Ernst & Young.
Mr. Parikh founded Axis Risk Consulting, an independent and focused risk consulting organisation, which was acquired by Genpact (NYSE: G), a US$ 2.5 billion company. He continued to serve as Axis’s Managing Director until 2010 and expanded the practice to Genpact’s global clients across several countries.
Mr. Parikh has served companies principally in the Health and Life Sciences, Manufacturing, Technology Services, Business Process Outsourcing, and Advertising industries.
Kentaro Konishi has held multiple management positions over the past eight years. From 2015 to 2018, he served as the CEO of Daiwa Capital Markets India, overseeing their operations in equity broking and investment banking in India. Between 2018 and 2019, he led their Shanghai operations, focusing on M&A advisory services in China. Following this, from 2019 to 2022, he held the position of President at Daiwa Cathay Capital Markets, managing equity broking activities in Taiwan. Between 2022 and 2024, he served as Deputy President of Daiwa Capital Markets Singapore Ltd, where the company conducts operations in equity broking, fixed income, wealth management, and investment banking operations. Since 2024, he serves as a Head of International Business Planning Dept in Daiwa Securities Group Co. Ltd.
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