Kalpana is Co-founder and Managing Director at Svakarma Finance. She is a senior banking professional with about 30 years of experience across the Indian financial services sector with a specific focus on building consumer businesses such as banking, consumer finance, financial inclusion and unsecured lending including credit cards.

Over a 16-year career at Citibank, she was the founding member of the Cards Business for Citibank India, Head of Women’s Banking segment and Head of Microfinance for the Consumer Bank.  She co-founded and was Director of IncValue Advisors, a boutique consulting services firm and has worked with financial institutions, private equity firms, banks and NBFCs in an advisory capacity.  

In recent years, she has been associated with the financial inclusion sector through consulting assignments and board positions.

Kalpana is a Chartered Accountant and holds a Bachelor’s degree in Commerce.

Vivek is Co-founder and Chairman at Svakarma Finance. He is a senior financial services professional with over 30 years’ experience in leading and managing business initiatives across retail loans, payment products, housing finance, and has extensive experience in managing relationships with the regulators, government, public sector, financial institutions, JV partners and investors in different parts of the globe.

Previously, in addition to leading business lines in India, Poland and Taiwan, he has also managed country level responsibilities across all functions as the Country Head (Consumer) of Citibank for Turkey and Saudi Arabia and as the Country Head (Retail) for Centurion Bank in India. Vivek was also the Managing Director and Group CEO of Destimoney Group.

In recent years, he has been associated with the financial services sector through board positions.

Vivek is an MBA from IIM Bangalore and holds a BE (Hons).

Kaushik is Co-founder and Promoter Director at Svakarma Finance. He is a financial services professional with over 30 years of global experience in setting up Operations, Delivery and Customer Service.

Previously, he has over 20 years of experience in Banking across senior roles in Operations & Technology with Citibank (over 15 years) and Samba Financial Group (Saudi Arabia), as Group Head – Operations & Technology at Samba and as a board member of E-serve, the BPO subsidiary of Citibank. Outside of Banking, Kaushik has been the COO of Tata-AIG General Insurance Company and has been the Global Delivery Head for General Atlantic, a US based PE fund.

Kaushik had also co-founded IncValue Advisors Pvt. Ltd, a boutique consulting services firm focused on strategic and execution consulting in the financial services sector. In recent years, he has been associated with the financial services sector through consulting assignments and board positions.

Kaushik is an MBA from IIM Ahmedabad and a fellow Member of the Institute of Chartered Accountants of India and B. Com from the University of Mumbai.

Anuradha is Co-founder and Promoter Director at Svakarma Finance. She is a financial services professional with over 30 years of experience in leading and advising new business initiatives in Corporate banking, Financial inclusion and Asset management.

Previously, she held senior roles in Corporate Banking with ANZ Grindlays Bank and Standard Chartered Bank, including as Head Financial Institutions Group. During her assignment with TCS, Anuradha led the BPO initiative to craft the strategy for the new business. Later on, she led the setting up of a green-field mutual fund - Lotus India, a JV between Temasek Singapore and Sabre Capital. At Russell Reynolds Associates, she set up the Financial Services practice for the executive search business.

In recent years, she has been associated with the financial inclusion sector through consulting assignments and board positions.

Anuradha is an MBA from IIM Bangalore, a Chartered Financial Analyst (CFA), from the Institute of Chartered Financial Analysts of India, and holds a B. Com from the University of Pune.