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Sandeep Arora

Sandeep Arora


Founder & COO



Sandeep Arora is a seasoned financial services professional with over 15 years of experience in risk management, consumer lending, and business strategy. As the Founder and Chief Operating Officer of Vridhi Finserv Home Finance Limited, Sandeep leverages his deep industry expertise to drive the company's growth and innovation in the affordable housing finance sector.

Professional Overview


Sandeep is a versatile leader with a proven track record of spearheading strategic initiatives and building high-performing teams. His areas of expertise span risk management, policy development, consumer lending, and business operations, making him a valuable asset in the financial services industry.

Experience Summary


Current Role


As the Founder and COO of Vridhi Finserv Home Finance Limited, Sandeep is responsible for overseeing the company's day-to-day operations, developing and implementing risk management frameworks, and driving strategic growth initiatives. Under his leadership, Vridhi Finserv has become a leading player in the affordable housing finance segment, serving the underbanked and underserved communities in India.

Career Progression


Prior to founding Vridhi Finserv, Sandeep held various leadership positions at prominent financial institutions, including Kotak Mahindra Bank, Indiabulls Consumer Finance Limited, and Bajaj Finserv. As the Head of Risk and Policy at Kotak Mahindra Bank, he was instrumental in enhancing the bank's risk management practices and policy framework, contributing to its overall financial stability and growth. At Indiabulls Consumer Finance Limited and Bajaj Finserv, Sandeep served as the Chief Risk Officer and National Head of Risk, respectively, where he played a pivotal role in driving innovation and expanding the companies' consumer lending portfolios.

Academic Background


Sandeep holds a Master's degree in Finance from the prestigious Indian Institute of Management (IIM), Bangalore. During his studies, he was recognized for his academic excellence and was awarded several accolades, including the Dean's List and the Institute Gold Medal.

Areas of Expertise


  • Risk management and policy development

  • Consumer lending and portfolio optimization

  • Business strategy and operational excellence

  • Financial modeling and data-driven decision-making

  • Team building and leadership


Professional Impact


Throughout his career, Sandeep has consistently demonstrated his ability to drive measurable impact. At Vridhi Finserv, he has led the company's expansion into new geographies, increased its loan book by 35% year-over-year, and maintained industry-leading asset quality standards. His contributions to risk management and policy frameworks at Kotak Mahindra Bank and Indiabulls Consumer Finance Limited have been instrumental in enhancing the companies' financial stability and competitiveness.

Conclusion


Sandeep Arora's extensive experience, strategic vision, and unwavering commitment to excellence make him a valuable asset in the financial services industry. As the Founder and COO of Vridhi Finserv Home Finance Limited, he is poised to continue driving innovation and making a meaningful impact in the affordable housing finance sector.