CHM Board of Directors

Larry Howell

Chairman, CRIF High Mark 

Larry Howell, currently also Chairman of CRIF Corporation, has over 40 years of association with Global Credit Bureau industry. He has previously worked with TransUnion, a USA based credit bureau, for 35 years and led expansion of its businesses in Asia, Europe, Mexico and other countries throughout the world. He was also instrumental in setting up of India’s first credit bureau (CIBIL) and served as its Director for many years. He was Vice President & General Manager of the New York Credit Bureau and has directly managed bureaus in other major cities in the United States. He has also been the Managing Director of bureaus in Mexico & Canada, Chairman for the largest credit bureau in South Africa & Hong Kong and Director for bureaus in many emerging markets such as Czech Republic, Russia, India, Italy, Thailand etc. Larry now lives in Bologna, Italy.

Sanjeet Dawar

Managing Director, CRIF High Mark

Sanjeet Dawar is the Managing Director at CRIF High Mark. He is responsible for managing the overall operations of the company. With his 25 plus years of valuable experience in retail assets and liability product sales, Sanjeet brings with him ample knowledge and insights into the finance sector. His domain expertise lies in strategizing and establishing both front-end and back-end processes. He also specializes in consumer financial services and is a start-up specialist

Sanjeet is dedicated to implementing best-in-class processes and policies to create long-term value for the clients of CRIF High Mark. Prior to joining CRIF High Mark, Sanjeet has worked with noteworthy names in the BFSI segment such as Fullerton India Credit Company Ltd., TATA Capital Ltd, and HDFC Bank Ltd.

He holds a master’s degree in Marketing and Management of International Business from South Gujarat University.

Lamberto Barbieri


Lamberto Barbieri, based at Bologna Italy, is CRIF Managing Director of Strategic Business Center Consumer, Services and Delivery to develop and grow the global offering of CRIF.

He joined the CRIF Group as Business Analyst of CRIF Credit Bureau in June 1998, to guide the development of the Credit Bureau Solution for the Italian Market. In 2001 he was appointed as Director of Credit Bureau Department for Domestic and International Market. He drove several Credit Bureau projects all over the world (Czech Republic, Slovak Republic, Bangladesh, Indonesia, Tajikistan, etc.). In 2009 Lamberto has been appointed as Director in Credit Information Bureau of Tajikistan "CIBT" LLC; in 2010 has been appointed as Director of CRIF CORPORATION (Philippine), and in 2011 Commissioner in PT CRIF Indonesia. In 2012 Lamberto has been appointed as Director in CRIF NM Credit Assure Limited Jamaica. From 2015 to 2021 was the CRIF ASIA Managing Director to develop and grow the presence of CRIF Group in the Region.

Before joining CRIF, from 1988 to 1998, Lamberto had a career in the Italian Insurance Industry (Universo Assicurazioni Bologna) covering several different roles. He holds a Diploma, Scientific High School: N. Copernico, Bologna, Italy and has expertise in the field of Information Technology.

Supriyo Chaudhuri


Supriyo Kumar Chaudhuri retired as Chief General Manager (CGM) in 2014 from the State Bank of India (SBI) after more than 37 years of service in the Bank holding various responsible positions across the length and breadth of the country.

He began his career in the SBI as a Probationary Officer in 1977. Subsequently, as Chief Manager of SBI's La Martiniere Branch in Calcutta, he oversaw the computerisation of the first fully computerized branch in Eastern India. He later established and led the bank’s Commercial Branch in Siliguri, serving North Bengal and Sikkim. As Deputy General Manager for the Visakhapatnam module, he oversaw four districts in Coastal Andhra Pradesh, leading the bank to excellence across all metrics.

His career also included managing SBI's vast networks in challenging terrains, with assignments as General Manager for regions covering Nagaland, Mizoram, Tripura, Meghalaya, Manipur, Haryana, Himachal Pradesh, Orissa, and Jammu and Kashmir. He also led the Mid Corporate group in Kolkata, which focused on large and medium corporate accounts. Given his extensive experience, he was elevated as Chief General Manager and as Head of the Credit Policy and Procedures Department at SBI brought in far reaching changes in Credit Policy of the Bank.

He has an impressive academic background, earning an Honours degree in Economics from Presidency College, Calcutta, and a Master's in Economics from University of Calcutta. He also holds a postgraduate diploma in Business Management from the Indian Institute of Management, Calcutta, and a certificate in Computer Programming from the Birla Institute of Technology, Mesra, Ranchi. Additionally, he obtained a Law degree from Bankura University and is a qualified Insolvency Professional. To further enhance his skills, he completed an Executive Development Programme at the Darden School of Business, University of Virginia, USA.

Eapen Alexander


Eapen Alexander heads the Housing Finance and Vehicle Finance verticals of The Muthoot Group. He plans to expand and leverage the Group’s brand and infrastructure into new product lines. Based in Mumbai, he holds an MBA from Duke University - USA, an MSc. in International Political Economy from London School of Economics and a B.A. Economics (Honours) degree from St. Xavier’s College, Mumbai.

Venkataraman Sunderesan


Venkataraman Sunderesan has an experience of more than 33 years in the various fields of Banking industry including both branches and administration.

He has headed various verticals like credit monitoring, risk management, inspection and compliance in the capacity of General Manager / Chief General Manager. Presently, he is Chief General Manager at Punjab National Bank.

Sunderesan has also been on deputation as CVO to United India Insurance Company and State Bank of Hyderabad.

He is a Postgraduate in B.Sc. (Mathematics), Chartered Accountant, Company Secretary and a Certified Associate from Indian Institute of Bankers (CAIIB).