Board Of Director

Mr. H.P Singh


A law graduate and fellow of The Institute of Chartered Accountants of India since 1984, Mr. HP Singh has over three decades of microfinance experience to his credit and is responsible for pioneering the unique concept of daily collection of repayments of loans.

Aside being an expert in lending, particularly in the microfinance field, Mr. Singh also has a wealth of experience across auditing, accounts, project financing, advisory services and company law matters. It is his financial engineering acumen, honed over almost thirty years of experience that has helped SCNL achieve its success in operational strategy and efficiency.

Mr. Singh also participated in Harvard Business School’s Accion Program on Strategic Leadership for Microfinance in 2009, as well as the leadership program organized by Women’s World Banking at Wharton Business School, University of Pennsylvania in 2011.

Mr. Singh has been an inspiration right from the very beginning when the company came into being in 1990, till today where he continues to be actively involved in the company’s day-to-day operations. Under his leadership, SCNL has grown into one of India’s leading microfinance institutions in the North and is poised to further expand its operations across the country.

Mr. Amit Sharma

Managing Director & CEO

Sitting at the helm of Satin Housing Finance Limited is Mr. Amit Sharma, who brings to the table over 20 years of priceless experience across NBFCs and the financial services sector, both in domestic and global markets.

An ICSI-qualified Company Secretary (CS), Mr. Sharma holds a B.Com (Hons.) and a LLB degree from Delhi University, as well as a DIFC (Dubai) Certification. Before joining the Satin family, Mr. Sharma worked at the Religare Group, P.N.Vijay Financial Services, Abhipra Capital Ltd and the Association of National Exchange Members of India, among others. He also held several key positions in various large corporate houses, the most recent being Chief Business Officer (CBO) for LAS & Agri-Commodity Funding and Commercial Vehicle Finance at Karvy Financial Services Limited for 5 years. Here, he was instrumental in starting, conceptualizing and developing the Home Loans business, playing a pivotal role in building up the Loan Against Shares and Agri-Commodities (LAS), Commercial Vehicle Finance, Loan Against Property- SME (Cross-sell) and Structured Financing departments.

Mr. Sharma’s general areas of specialization and in-depth knowledge of myriad business facets is truly inspiring, covering the likes of Retail and Institutional Lending, Investment Banking, Fund Raising, Treasury, Capital Markets, Legal, International Syndication Structures, Operations, Products, Risk Management, Private Equity, Retail & Institutional Business (Mergers & Acquisitions), Sales & Marketing and to top it all off, building and scaling up businesses.

Dr. Jyoti Ahluwalia

Independent Director

Dr. Ahluwalia is a Ph.D. holder and Master’s in Commerce from University of Allahabad. She also holds degree of Chartered Financial Analyst from Institute of Chartered Financial Analysts of India. Dr. Ahluwalia currently works as an Assistant Professor of Data Analytics and Machine Learning at Sushant University.

Prior to her current role, she has worked as Finance Professor at ICFAI Business School, Gurugram for more than 7 years and taught courses in Finance, Analytics, Strategy, Financial Management, Mergers and Acquisitions, Financial Business Analytics. She is also certified by HDFC Bank as a Banking Faculty in HDFC Train and Trainer Program.

In addition, she has cleared six actuarial papers and has held various important roles in corporates such as Actuarial Analysts at Milliman India (Actuaries and Consultants), Syndicated Research Analyst at Corporate Executive Board.
With her contribution in a two day MDP workshop on Personal Financing Planning, she has received the “Best Summer Internship Programme Award 2015

Mr. Sanjay Kumar Bhatia

Independent Director

A Chartered Accountant and Commerce graduate of Delhi University, Mr. Bhatia has over 35 years of
rich experience across leading corporates, starups and BAU environments, having worked in both sales
management and strategy formation. At present, he is Senior Director – Community Development at
Antara Senior Living Limited and is responsible for the development of the upcoming communities
for progressive seniors, the formulation of long-term strategy and tactical execution and general
management. He also provides consultancy on income tax, corporate tax and corporate law matters to
various organizations. In his past career, he has served as Vice President and Head of Strategic
Initiatives (Revenue) at Max Life Insurance and worked at companies such as Max New York Life,
Vikas Motors Limited, Dinker Portfolio Private Limited, DMA of Citibank N.A. and GE Countrywide