Co-Founder & Director
Sanjay Gehani
25+ years across Retail, Corporate, and Wealth Management Banking
Sanjay has over 25 years of experience in Retail, Corporate, and Wealth Management Banking. He previously served as Vice President at RBL Bank, where he led the national Current Accounts channel, and spent over a decade as a Director at Standard Chartered Bank managing a portfolio exceeding USD 100 million. His tenure also includes leadership roles at American Express Bank, where he specialized in market penetration and building high-performance teams. He holds an MBA from Manipal University and a B.Com (Hons.) from Delhi University.
Co-Founder & Director
Santtosh Joshi
25+ years at premier institutions including HDFC Bank and Standard Chartered Bank
Santtosh brings over 25 years of expertise from premier institutions including HDFC Bank and Standard Chartered Bank. He is currently the Founder of Nivottam Wealth and serves as Partner Faculty at NIIT University, where he trains professionals for major banks like HDFC, Axis, and ICICI. His extensive background includes roles as Deputy Vice President at Nuvama Wealth and Regional Head (North) for Business Banking Compliance at Standard Chartered. Santtosh is NISM, IRDA, and Symbiosis MBA certified, specializing in goal-based investment solutions and banking operations.
Senior Trainer - Credit, Risk, Lending & Financial Services
Dr. Sharad Mittal
25+ years in the financial services industry, specialising in retail lending, credit and risk management, underwriting, collections, and business operations.
Dr. Sharad Mittal is a seasoned financial services professional with over 25 years of experience in retail lending, credit risk management, and underwriting. He currently serves as Executive Director at Fincoopers Technology and is a certified Independent Director and visiting faculty at Menntun Advisors and IILM University. Previously, he was the Senior Vice President and Head of Credit and Risk at Satin Housing Finance. He holds a Ph.D. in Management and an MBA in Finance, with deep expertise in lending systems and compliance infrastructure.
Senior Trainer - Retail Banking & Liability Sales
Gulshan Tekchandani
25+ years in retail banking, liability sales, and customer relationship management.
Gulshan has spent more than 25 years in retail banking and liability sales, most recently serving as Regional Head of Retail at ICICI Bank. His expertise spans asset and liability management, transaction banking, and precious metals trading. A proven mentor to banking professionals, he has extensive experience as a partner trainer for renowned universities, helping bridge the gap between academic theory and real-world banking operations. He holds a Master of Management Studies in Finance from New Port University.
Senior Trainer - Retail Banking & Financial Crime
Manoj Sehgal
28+ years across leading foreign and private sector banks.
Manoj brings over 28 years of experience across leading foreign and private sector banks, including senior leadership roles as Vice President and Zonal Head at IndusInd Bank and ICICI Bank. He has deep expertise in retail banking operations, customer service excellence, and financial crime prevention. Manoj is a frequent guest speaker at the Punjab Police Academy on financial systems and serves as a partner trainer for several universities, focusing on industry-academia integration.
Senior Trainer - Banking & Digital Transformation
Neelam Raina
17+ years in corporate learning, digital transformation, and banking.
Neelam is an expert in corporate learning and digital transformation with 17 years of experience in the banking sector. She has previously held the role of Assistant Vice President at IDFC First Bank and served as a Corporate Consultant for IDBI Bank. Throughout her career, she has trained over 100,000 professionals globally for Fortune 500 companies like Infosys, Accenture, and KPMG. Neelam is a Certified Investment Banker with a Strategic Management certification from IIM Bangalore.
Senior Trainer - FEMA, FX Payments & Banking Compliance
V.K. Srivastava
30+ years in banking, with deep expertise in FEMA regulations, FX payments, and cross-border remittances.
With over 30 years in banking, V.K. Srivastava is a recognized authority on FEMA regulations and FX payments. He previously served as Manager of Payments (North) at Standard Chartered Bank, where he led specialized teams in cross-border remittances and regulatory approvals. Known as a 'FEMA Champion' and author of a FEMA transaction reference booklet, he frequently conducts regulatory workshops and provides strategic advisory to major corporates on banking compliance. He is an alumnus of Delhi University.