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HFS is an emerging Indian NBFC (Non-Banking Financial Company) that caters to the need of aspirational Indian entrepreneurs and provides tailor-made financial products to fulfill the dreams and aspirations of every individual. Our focus on technology and data science enables us to customize our product offerings to entrepreneurs in an efficient and transparent manner.

We as a company we instill
Trust in what we do
Transparency in our dealings
Technology at the forefront


We want to fuel the entrepreneurial spirit in every individual thereby contributing not only to the economic upliftment of the individual but also to the growth of India. With a renewed focus on innovation and technology, we aim to be the preferred partner of the emerging entrepreneurs of India.


A happy customer is our biggest asset, with this belief firmly engrained into every action we do, we intend to be a customer-centric organization offering a unique value proposition to everyone we deal with. Maintaining the highest level of governance and sound business practices reaffirm our firm commitment to the highest level of credit standards.


HFS brings together a team of professionals and industry experts who have immense knowledge about the sector. We want to combine diverse experiences with individual expertise to help you with the right solutions. We work towards a common goal - to make credit accessible to all segments of the society.

    (Chief Executive Officer)

    Mr. Uday Suvarna is the Chief Executive Officer at Hiranandani Financial Services.

    A seasoned professional with a proven track record in building scalable and profitable businesses, he will be responsible for laying down the vision along with creating both short and long-term strategic framework and ensure its execution towards achievement of organisation goals.

    Uday has over two decades of experience in the retail and MSME lending domain. He has been associated with leading retail finance lenders like IndusInd Bank, HDFC Bank and GE Money. Prior to joining HFS he served as the Executive Vice President of IndusInd Bank.

    Uday holds a Masters in Management Studies and Bachelor in Science from Mumbai University.

    (Chief Business Officer)

    Mr. Kartik Nagda is the Chief Business Officer at Hiranandani Financial Services. He has 20 years of rich experience in the Retail Lending business.

    As the Chief Business Officer, he is responsible for driving the overall business growth of the company and leads the Retail Sales, Product Development & Marketing functions.

    Kartik was earlier associated with organizations like HDFC Bank where he served in capacities of Head of their Mortgage Business as well as the Emerging Enterprise group. Prior to that he was associated with GE Money & Navneet Publications.

    Kartik holds a Post graduate Degree from Symbiosis Institute of Business Management, Pune.

    (Chief Financial Officer)

    Mr. Vivekanand Ramachandran is the Chief Financial Officer at Hiranandani Financial Services. He has two decades of experience in field of Finance, Accounts and Treasury Services.

    Vivekanand is Chartered Accountant, Company Secretary & Cost Accountant by qualification and leads the Finance & Accounts, Financial Planning & Analysis and Treasury functions.

    Prior to joining HFS, Vivekanand worked with NeoGrowth Credit Ltd, and was also associated with notable brands like L&T Financial Services, L&T Power, DSP Merrill Lynch, HPCL & NSE.

    (Chief Operating Officer)

    Mr. Dheeraj Mittal is the Chief Operating Officer at Hiranandani Financial Services.  He has over 20 years of experience in diverse areas of Credit Risk, Retail Banking & Operations, and Technology & Process Management.

    As COO at HFS, Dheeraj is responsible for managing the Central & Branch Operations, Information Technology and Administration functions.

    Prior to HFS he has been associated with organisations like Reliance Money, IDFC First Bank, HDFC Bank & GE money in varying capacities.

    Dheeraj has his Masters in Finance Administration as well as Masters in Commerce from DAVV Indore.

  • Manish Odeka
    Manish Odeka
    (Chief Risk Officer)

    Mr. Manish Odeka is the Chief Risk Officer at Hiranandani Financial Service, he comes along with 17 years of retail banking experience across multiple disciplines of Risk, Credit, Collections, Operations, Product & Strategy and Financial Planning.

    As CRO, Manish will drive the Enterprise Risk Management and will be responsible for laying down and executing the entire risk policy framework, credit underwriting & policy, operational risk, fraud control, collateral management, information security and debt service management.

    Prior to joining HFS, Manish has served in leadership roles with various large NBFCs such as Reliance Money & Fullerton India Credit along with an initial stint at ICICI Bank.

    Manish is a Chartered Accountant and holds an Executive MBA from the Emeritus Institute, Singapore.  

about hfs