A lending promise people can act on

I am the chief executive of Soraveth Business Finance in Jaipur. Our customers include factory-maintenance contractors, packaging suppliers and business-service firms whose payroll and purchase bills fall due before their customers pay. At March 2026 we had ₹1,640 crore of outstanding loans, 520 colleagues and 24 branches across three states. We are an unlisted, non-deposit-taking NBFC. We lend to the business; we do not treat an invoice as a substitute for understanding its obligations or describe ourselves as the customer's bank.

My first job was in trade-service administration, matching dispatch records, customer queries and payment advice. I learnt how much disagreement can hide behind the phrase 'payment pending'. A document may be missing, work may be disputed or the customer may simply have a different payment date. I moved into customer operations and servicing design before joining Soraveth in 2006. After eight years as chief operating officer, I became CEO and an executive director in May 2020. This is an operating route into finance, rather than a career spent originating credit.

The examples on this site concern the terms on which a lender grows. I have reduced a proposed facility because invoices did not establish accepted work, paid more for funding whose duration suited our commitments, removed a renewal charge that our process did not earn and kept a service team after closing the branch counter it occupied. Each choice had a cost. I want a reader to see that cost and the responsibility I held, alongside the outcome.

Current focus

I am strengthening the handover between credit approval and servicing. A branch should be able to explain availability, review dates and unresolved conditions using the same record as our central team. That work includes checking which promises we make before funds can actually be drawn.

Conversations I welcome

I would consider a carefully bounded external board contribution after employer approval and a review of competing business relationships. I can offer twenty days a year in principle, subject to a realistic calendar. My executive directorship at Soraveth is my only current board appointment.