Mr. Nirmal Kumar

Mr. Nirmal Kumar has worked as a Senior Executive at Bank of India, having 39 years of extensive experience across diverse verticals including Credit Sanctioning, Recovery, Compliance, Leadership, Branch Management, Audit, HR, and Corporate Services. He was recognized for spearheading the Zone as Deputy Zonal Manager and took key initiatives such as driving operational excellence, fostering sustainable growth and NPA and SMA recovery, across multiple zones and branches.

He is proficient in managing large teams, sanctioning credit facilities across retail, agriculture, MSME, and corporate sectors, and ensuring adherence to regulatory standards. He demonstrated exceptional leadership in both strategic and operational roles, including HR leadership, audit management, and branch profitability enhancement. He is a CAIIB-certified expert with hands-on experience in training, talent development, and customer service, equipped with an unwavering commitment to organizational goals and customer satisfaction.

Mr. Arul Kumar

Arul Kumar has worked as Senior Manager at Bank of India, with 10 years of comprehensive experience in Banking and Financial Services, particularly within Public Sector Undertakings. He excels in Credit Process and Risk Management, Credit Underwriting, Business Strategy, Financial Analysis, and Regulatory Compliance across various sectors including Corporate, MSME, Retail, and Agri. His track record includes spearheading strategic initiatives, managing significant credit portfolios, achieving substantial business growth, and ensuring operational excellence.

Arul holds a Master’s degree in finance & Control from the Department of Financial Studies, University of Delhi and B.Tech degree. He is also certified in Commercial Credit (CICC) by Moody’s Analytics and holds both CAIIB and JAIIB certifications from the Indian Institute of Banking and Finance.

Mr. Bharat Damjibhai Vasoya

Mr. Bharat Damjibhai Vasoya is a Non-Executive Director on the board of LFPL. He is a practising advocate enrolled with the Bar Council of Gujarat since 2005. He is a partner at Bharat Vasoya and Associates since 2005 and has his expertise across civil litigation, property law, statutory compliances, legal audit, due diligence, etc. Mr. Vasoya is also a partner at 3B Legal LLP, and VBTN Consultants LLP which primarily offers consultancy services across various sectors viz- financial, legal, techno-legal, direct & indirect taxation, etc.

Mr. Shashikant Patel

Mr. Shashikant Patel hails from a professional background spanning healthcare management, legal expertise and strategic leadership. He is armed with an MBA in Marketing, LLM, Diploma in Naturopathy and Yogic Science and B.Sc in Agriculture. Mr. Patel brings a wealth of diverse knowledge to drive organisational excellence. Currently, he is serving as a Director at Netradeep Eye Care and Laser Centre Pvt Ltd., since August 2019. Mr. Shashi excels in driving innovation, fostering growth and championing operational efficiency.

Management Team

Chief Executive Officer

Mr. Adrian Joseph Fernandez

A seasoned finance professional with over 35 years of leadership experience, Adrian is a Chartered Accountant (FCA) with CIMA Stage I & II qualifications from CIMA, UK. Known for strategic financial planning, regulatory expertise, and efficient resource mobilization, Adrian has played a key role in driving financial health and business growth across India and international markets.

Adrian’s expertise and leadership includes spearheading high-impact growth strategies with a pragmatic approach, securing financial resources from banks, domestic & international institutions, and private equity for business expansion, enforcing budgetary controls and optimizing expenditures within defined limits, ensuring accurate financial disclosures, audit compliance, and seamless MIS reporting for board-level decisions, enhancing operational efficiency through advanced financial systems and SAP applications, extensive knowledge in working capital management, IPO strategies, project evaluation, international finance standards, and risk management.

With an unwavering commitment to excellence, Adrian empowers businesses with innovative financial models and customer financing solutions that strengthen corporate decision-making.