About us

Prashant, our Co-Founder, boasts a 15+ of expertise in NBFC and Wealth Management. His journey includes valuable stints with chartered accountant firms, NBFCs, and consultancy firms. Prior to founding our NBFC, he dedicated himself to gaining crucial experience and honing his professional skills, covering areas such as business planning, risk management, strategy, treasury operations, and statutory and audit compliance. Prashant spearheads the core business aspects, focusing on crafting innovative credit solutions and delivering them with utmost simplicity and efficiency.

In his early career, Prashant was captivated by the resilience of creditworthy small business owners overlooked by existing lenders. He actively drives technological advancements within the company and consistently introduces fresh ideas to redefine business processes through the implementation of KAIZEN and innovative workplace strategies.

Mr. Prashant’s strategic leadership has propelled Rilakp Capital into a position of trust and credibility in the NBFC sector. His vision for exponential growth aligns with the company’s commitment to providing essential financial services to underserved communities, reinforcing Rilakp Capital’s standing as a leader in the industry.

Mr. Ramakant, our Co-Founder, brings a wealth of experience exceeding 15 years across diverse business verticals within Finance, Operations, Statutory Compliance, and Collections. His professional journey includes impactful roles at renowned Chartered Accountants Firms and the Tata Group, where he specialized in taxation and gained expertise in accounts and export operations.

Leading the finance and accounts department, Ramakant’s extensive experience is pivotal in guiding the company. He plays a critical role in realizing the company’s mission of extending financial inclusion to traditionally underserved populations. By democratizing debt, he facilitates access to affordable lending and expeditious operations, particularly within the microfinance segment.

Actively engaging in strategic decision-making, Ramakant fosters a culture of ethics within the company. His visionary leadership has cultivated a work environment that promotes stable growth and motivation, setting the foundation for success.

Thanks to Ramakant’s vision and leadership, Rikalp Capital has experienced phenomenal growth, establishing itself as a prominent name in the NBFC sector within a remarkably short span. His commitment to ethical practices and strategic prowess continues to drive the company towards sustained excellence and positive impact in the financial services landscape.

Mr. Sandesh Kumar Jain is a highly experienced banking professional with nearly 39 years of diverse expertise in banking operations, credit appraisal, foreign exchange, financial product marketing, and credit monitoring. He holds a Master’s degree in Commerce and is a Certified Associate of the Indian Institute of Bankers (CAIIB), Mumbai.

Mr. Jain retired as Deputy General Manager from Canara Bank’s Head Office in Bangalore in July 2020, after a distinguished career that began in May 1981. Throughout his tenure, he held various key positions across multiple banking domains, gaining extensive experience in credit analysis and appraisal, foreign exchange, retail banking, and MSME funding.

In his leadership roles, Mr. Jain spent a significant portion of his career in credit appraisal and monitoring, serving as Assistant General Manager and Deputy General Manager. His expertise also includes working abroad on deputation with Al Razouki International Exchange, a leading exchange company in Dubai, where he managed foreign exchange operations for three years. Additionally, he spent two years in Canara Bank’s Treasury Office in Mumbai, overseeing foreign exchange back-office functions.

As Deputy General Manager in the Credit Monitoring Wing at Canara Bank’s Head Office, Mr. Jain played a pivotal role in developing system-based early warning signals and implementing red-flagging mechanisms to monitor high-risk accounts, significantly enhancing the bank’s risk management framework.

A results-driven professional, Mr. Jain has a proven track record in overseeing the full spectrum of banking operations, consistently achieving excellence in credit management, foreign exchange, and operational efficiency.

Mr. Sanjay Kumar Agrawal Adaptable Assistant General Manager with solid knowledge of recruiting and evaluation techniques, customer service principles and financial management concepts. Collaborative team player bringing 30 years of comprehensive experience completing managerial and administrative tasks to keep company running smoothly. Commended for outstanding staff performance to boost company morale and productivity.

As Assistant General Manager ( Indian bank ) in the Extended & managed corporate credit for LCB Mumbai, aiding in the achievement of branch targets Oversaw finances for diverse clients spanning sectors such as NBFCs, Manufacturing, Real Estate, EPC, and Infrastructure , Utilized negotiation and business development skills to source new business, contributing to increased bank revenue, Mr. Jain played a pivotal role in developing system-based early warning signals and implementing red-flagging mechanisms to monitor high-risk accounts, significantly enhancing the bank’s risk management framework.

As Director, Agrawal is committed to steering the company towards sustained growth, profitability, and long-term value creation. He envisions leveraging emerging technologies, fostering strategic partnerships, and embracing sustainable practices to drive innovation and competitiveness in the global marketplace. His vision reflects a deep-seated commitment to excellence, integrity, and responsible corporate citizenship.

Agrawal’s extensive experience and leadership in diverse sectors underscore his versatility and commitment to fostering growth and innovation in the organizations he leads.