Transwarranty Finance Limited (TFL) —
Over the past few years, TFL has steadily transitioned
its core focus from traditional investment banking and
capital market advisory services toward becoming a
technology-led Non-Banking Financial Company (NBFC).
TFL holds an RBI license to operate as an NBFC,
and is built around its proprietary digital lending
platform, Oroboro.
The Company today is primarily engaged in smartphone
and consumer device financing and MSME lending,
extending fast, fully digital credit to retail borrowers
and small businesses that have historically been
underserved by mainstream banking channels.
Experienced leaders driving our vision of digital lending,
operational excellence & inclusive growth.
Chairman
& Managing Director
Mr. Kumar Nair, is B.Sc., FCA (ICAI), ACA (ICAEW) & OPM (Harvard
Business School). Mr. Nair has over three decades of experience in
Financial Services, Capital Market and Investment Banking. Prior to
this, he was a key member of the core senior management team at
Kotak Mahindra Finance Limited.
Executive Director & CFO
CA U. Ramachandran is a Fellow Member of the Institute of Chartered
Accountants of India with nearly five decades of professional expertise
in financial management, regulatory compliance, strategic planning,
risk management, and capital market operations. He has served on
the boards of several companies engaged in financial services,
manufacturing, technology, and allied industries, contributing
significantly to their growth and governance frameworks. Apart from
his professional accomplishments, he is widely recognized for his
contribution to community service and leadership of several large-scale
social development and rehabilitation initiatives.
Independent Director
Dr. Gopalakrishnan Balakrishna was the President and Head of Law
Department of Axis Bank Ltd., Mumbai for 14 years. Dr. Balakrishna
also worked as Legal Advisor heading the Legal Operations & Human
Resources Group of Asset Reconstruction Company (India) Ltd. (ARCIL),
Mumbai, one of India’s largest and premier ARCs. He is the former
founding partner of SK Singhi and Co LLP, Mumbai Office and Partner
of SNG & Partners, Mumbai.
Independent Director
Mr. Sachidanandan Menon has over four decades of experience in
Indirect Taxes and management. He has served as a Senior Partner &
Country Head of Indirect Tax at KPMG India. Throughout the career
he has held pivotal leadership positions at renowned organizations
such as PwC, EY, and KPMG. He has a proven track record of leading
successful business transformations, mentoring professionals and
shaping tax policy at national and international levels.
Independent Director
Ms. Kene is a graduate in Engineering with added qualifications of
Master of Science in Finance and MBA in Finance. Ms. Kene is a Banking
& Financial Services functional consultant with over 24 years of work
experience in consulting, technology, commercial and investment banks,
central banks in India, USA, UK, Japan, Mexico, Vietnam, UAE, Saudi Arabia.
She has experience as a Subject Matter Expert, Solutions consultant,
Business Development, Presales, Business Analyst, Data analyst, Credit
analyst, Treasury dealer for various international and Indian Banks for
business and technology transformation, regulatory compliance, data
warehousing, analytics, reporting and product implementation.
Independent Director
With nearly four decades of entrepreneurial leadership, Ashok Nawany has
been the driving force behind the growth, vision, and enduring legacy of
Nawany Group. Under his stewardship, the firm has evolved into a trusted
name in industrial and commercial real estate, known for thoughtfully
designed infrastructure, uncompromising build quality, and timely project
delivery.
A lifelong learner and believer in continuous self-development, Ashok
completed his M.A. in Leadership Sciences from Mumbai University at
the age of 57. Through vision, discipline, and an unwavering focus on
quality, Ashok Nawany continues to shape the future of Nawany Group
while inspiring generations of professionals and entrepreneurs.