management team

Hardika Shah

Founder & CEO

In her role, Hardika is responsible for setting the strategic direction of Kinara and working with internal and external stakeholders to deliver the vision of the company.

Thirunavukkarasu R. (Thiru)

Chief Operating Officer

As the COO, Thiru oversees the day-to-day field operations of a vast network of regional offices and hubs that are the first point of contact for our customers. Thiru has been with Kinara Capital since its early days and hand delivered the loan disbursement to Kinara’s first customer. 

Aiswarya Ravi


Aiswarya Ravi is the CFO of Kinara Capital where she oversees the financial planning and analysis, regulatory compliance, investor relations, taxation, and related financial needs, for a fast-growth NBFC. Aiswarya has propelled Kinara Capital’s growth by staying on top of a changing industry landscape and refined Kinara’s unique risk-assessment methodology.

Jijy Oommen


Jijy Oommen is the CTO of Kinara Capital where she oversees the technical capabilities of a fully digital and secure end-to-end lending process that has upped the ante on the level of service we provide to our customers.

Soham Sen

Senior Vice President, Data Science & Business Intelligence

Soham oversees the data science team that turns numbers into meaningful  insights that influence Kinara Capital’s business development and strategic direction.

Aruna Venkatachalam

Senior Vice President, Strategic Planning

Aruna drives the strategic planning for Kinara Capital by setting goals for the teams each quarter that outline the company’s top priorities.  

Umashankar Iyer

Vice President, Sales & Collections

Umashankar leads a team overseeing a complex sales and collection process across multiple cities and timelines for Kinara Capital’s growing set of customers. 

Rajesh Agarwal

Associate Vice President, Legal & Recovery

Rajesh oversees legal responsibilities and defines constructive strategies for recovery that aid the customers of Kinara Capital. 

Gracy Tavamani

Vice President, Human Resources & Administration

Gracy leads the HR team to meet the changing needs of the business, develop HR policies and initiatives for employees and recruit new hires across all of Kinara Capital’s organization.

Vincent Arokianathan

Vice President, Learning & Development​

Vincent leads the corporate training programs, to deliver best practices, and Kinara’s ethics and values, especially critical when onboarding new employees.  

Riji K.

Associate Vice President, Business Operations

Riji keeps an eye on the pulse of the organization by reviewing processes that meet our business objectives, monitoring daily operations, and recommending solutions to maximize efficiency of all business procedures. 

Ishwara Bhat

AVP, Customer Relationship Management

Ishwara combines his deep experience of the customer segment to provide services and build a stronger relationship with customers and partners.
As part of Kinara since its early days, Ishwara defined the credit underwriting process and implemented scoring methodologies in Kinara’s proprietary lending platform. 

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