CHM Board of Directors

Sachin Seth

Chairman, CRIF High Mark
Regional Managing Director - CRIF India and South Asia

Sachin Seth is the Regional Managing Director, India and South Asia for CRIF S.p.A. group companies and also serves on the board of CRIF High Mark Credit Bureau.

Mr. Sachin Seth has successfully led large-scale IT teams in executing transformation projects for regulated organizations within the banking and insurance sectors.

Sachin is a thought leader with almost 3 decades of rich global work experience across Fintech, Digital and Technology space. Before joining CRIF this year, he has been a Partner and Digital, Fintech leader with EY and Executive Director with IBM focusing on India and overseas markets.

In his career, he has worked with leading BFSI organizations in helping them build new business models and transformational platforms. Previously he has been on the board of Insurance JV of BSE and Ebix and Advisory Board Member of IIM Udaipur Fintech COE. He holds an Engineering degree with Master’s in management and has expertise in the field of Management Consulting, Financial Services and Information Technology.

Larry Howell

Vice 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.

Marco Benvenuto

Director, CRIF High Mark

A senior executive in large international companies with 30+ years of broad experience in credit services across Europe, Middle East and Africa, specifically in the area of credit bureau, analytics and decisioning tools. Highly passionate about leveraging data to support financial inclusion. Served many years as vice president of Accis, the European association of Credit Bureaus helping shaping the strategy for the industry. During his professional career he hold more than 20 chair and board positions in different geographies.

Ramkumar Gunasekaran

CEO and Whole Time Director

Ramkumar Gunasekaran is whole time director at CRIF high Mark. Before taking over this role, he served as Senior Director, Head of Sales, Research, and Insights for two years at CRIF High Mark, Ram possesses an intimate understanding of CRIF's capabilities, strengths, and market positioning.

With over two decades of experience in the BFSI sector and credit information space with Organizations like ICICI Bank, GE Money, Magma Fincorp, TATA Motors Finance, Satin Credit care, India bulls and Transunion CIBIL, he has established himself as a thought leader, driving business excellence and pioneering new frontiers in financial services. His expertise spans sales management, business strategy, product innovation, risk management, and talent development, making him a well-rounded leader. Ramkumar Gunasekaran has done his Master of Business Administration from Edinburgh Business School, Heriot-Watt University.

Supriyo Chaudhuri

Director

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

Director

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

Director

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).