Core Team

Svamaan financial services

Bharati Rathi
Head - Finance & Accounts

Bharati Rathi leads the Finance & Accounts function at Svamaan and brings extensive experience across all aspects of finance including treasury, taxation, accounting, financial reporting, financial management and MIS. She was previously associated with Volkswagen Finance, HDFC Red (a part of HDFC Group) in the Finance & Accounts Function. She was also associated with Ernst & Young and Haribhakti, Mumbai and was part of the assurance practice, assisting financial service industry clients with financial audit and advisory.

Bharati is a qualified Chartered Accountant and a member of 'The Institute of Chartered Accountants of India'. She also has a Bachelors degree in Commerce from Sydenham college, Mumbai.

Svamaan financial services

Kandarp Gupta
Head - Product & Partnerships

Kandarp heads the Product & Partnerships function at Svamaan, in addition, he is also leading the sales function for Maharashtra. He brings 12+ years of working in the Indian microfinance industry and has a wide array of experience across business development, product development, strategy and consulting.

Kandarp started his career with Ujjivan Financial Services where he implemented its decentralized back office operations for north region and then moved on to set up & scale the business in Rajasthan. He has also worked at IntelleCash, a consulting firm focused on helping new entrepreneurs set up and scale their microfinance institutions as part of which he helped 5 microfinance firms reach scale. In his previous role, he was part of Svatantra Microfinance, heading the Corporate Strategy function as a Vice President where he successfully created the growth roadmap for Svatantra's expansion by conducting detailed market research studies across many states. He also established the Learning & Development function and implemented first of its kind private mediclaim product catering to rural microfinance customers.

Kandarp is a commerce graduate and has completed MBA in Rural Management from Institute of Rural Management, Jaipur

Svamaan financial services

Sophia Jain
Company Secretary

Sophia Jain leads the secretarial function at Svamaan, she brings extensive experience across corporate secretarial compliance for both listed and non-listed companies including stock broking, commodity broking, NBFC and health care sectors. She also possesses rich experience in Merchant Banking related activities including mergers, takeovers and initial public offers.

Prior to joining Svamaan, Sophia was the company secretary & compliance officer of Monarch Networth Capital Limited (A Stock Broking, Depository Participant & Merchant Banking Company) and also a company secretary of Monarch Networth Finserve Pvt Ltd. (an NBFC entity).

Sophia Jain is an Associate Member of Institute of Company Secretaries of India since November, 2014 and holds a Bachelor's Degree in Accounts & Finance and L.L.B.

Svamaan financial services

Komal Sharma
Head - HR

Komal Sharma heads the Human Resource function at Svamaan and brings holistic experience of HR including Talent Acquisition, Learning & Development, Employee Value Proposition, Talent Management, Leadership Development and Performance Management. She has exposure of working with Public sector as well as Private sector in BFSI segment. She has been associated with Central Bank of India, YES Bank and L&T Financial Services in her previous stints.

Komal is a Science graduate from Hansraj College (University of Delhi) and has completed her PGDM in Human Resource from International Management Institute, New Delhi.