Dr. (Ms.) Sunita Maheshwari

Dr. Sunita Maheshwari is a US Board certified Pediatric Cardiologist who grew up in Hyderabad, completed her MBBS at Osmania Medical College followed by post‐graduation at AIIMS, Delhi and Yale University in the US.

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With over 30 years of experience, she has lived and worked in the US and India. In addition to being a clinician, Dr. Maheshwari is a medical entrepreneur and co‐founder at (a) Teleradiology Solutions (India’s first and largest teleradiology company that has provided over 5 million diagnostic reports to patients and hospitals globally including for the Tripura state government), (b) Telrad Tech which builds AI enabled tele health software and (c) RXDX healthcare – a chain of multi‐specialty neighbourhood clinics in Bangalore. She has also incubated other start‐up companies in the tele‐health space such as Healtheminds – a tele‐counselling platform. She is active in the social arena in India where she runs two trust funds. ‘People4people’ has put up over 450 playgrounds in government schools and Telrad Foundation provides teleradiology and telemedicine services to poor areas in Asia that do not have access to high quality medical care.

Dr. Maheshwari’s other interests include teaching; she has been running India’s e‐teaching program for postgraduates in Pediatric Cardiology for over a decade. In 2019, she helped the Kerala National health mission Hridayam launch e‐classes in Pediatric cardiology for pediatricians in the state. She has over 200 academic presentations and publications to her credit and is an inspirational speaker having given over 200 lectures, including several TEDx talks. Dr. (Ms.) Maheshwari is the recipient of several prestigious awards and honours including: WOW (Woman of Worth) 2019 award, Outlook Business; 50 most powerful women of India, March 2016; Amazing Indian award‐ Times Now 2014; Top 20 women Health care achievers in India, Modern Medicare 2009; Yale University‐ Outstanding Fellow Teacher of the Year Award, 1995, amongst others. She has been appointed in the Bank as a director having experience in small scale industries, in terms of Section 10 A (2)(a) of the Banking Regulation Act, 1949.

Email ID: [email protected]

Mr. Kaizad Bharucha

Mr. Kaizad Bharucha holds a Bachelor of Commerce degree from University of Mumbai. He has been associated with the Bank since 1995. In his current position as Executive Director, he is responsible for Wholesale Banking covering areas of Corporate Banking, Emerging Corporate Group, Business Banking, Capital Markets & Commodities Business, Agri Lending, Investment Banking, Financial Institutions & Government Business and Department for Special Operations.

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In his previous position as Group Head - Credit & Market Risk, he was responsible for the Risk Management activities in the Bank viz., Credit Risk, Market Risk, Debt Management, Risk Intelligence and Control functions.

Mr. Bharucha has been a career banker with over three decades of banking experience. Prior to joining the Bank, he worked in SBI Commercial and International Bank in various areas including Trade Finance and Corporate Banking.

He has represented HDFC Bank as a member of the working group constituted by the Reserve Bank of India to examine the role of Credit Information Bureau and on the sub-committee with regard to adoption of the Basel II guidelines.

Email ID: [email protected]

Mrs. Renu Karnad

Mrs. Renu Karnad has been appointed as Non-Executive Director (Nominee of Housing Development Finance Corporation Limited, promoter of the Bank) on the Board of the Bank.

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Mrs. Renu Karnad is the Managing Director of Housing Development Finance Corporation Limited since 2010. She is a Post Graduate in Economics from the University of Delhi and holds a degree in Law from the University of Mumbai. She is also a Parvin Fellow - Woodrow Wilson School of Public and International Affairs, Princeton University, USA. Mrs. Karnad brings with her rich experience and knowledge of the mortgage sector, having been associated with real estate and mortgage industry in India for over 40 years. Over the years, she has been the recipient of numerous awards and accolades, such as the ‘Outstanding Woman Business Leader’ award granted by CBNC‐TV18 India Business Leader Awards 2012, induction in the Hall of Fame, Fortune India magazine’s most powerful women from 2011 to 2018, ‘Top Ten Powerful Women to watch out for in Asia’ by Wall Street Journal Asia in 2006, etc. She has been a Non‐Executive Director on the Board of the Bank in the past.