Sumit Manchanda is the Chief Risk Officer of our Company. He has a Bachelor’s Degree in Commerce from University of Delhi. He is also a Chartered Accountant. Prior to joining our Company, he was associated with Citibank as senior vice president. He has been associated with our Company since February 6, 2023. He heads the risk function of our Company and is responsible for creating and enforcing risk management frameworks, overseeing business proposal evaluations and conducting risk investigations.