CHM Board of Directors

Larry Howell

Chairman, CRIF High Mark and CRIF Solutions

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.

Navin Chandani

MD & CEO, CRIF High Mark

With 23 years of experience in the Financial Services & FinTech industry from Credit Information to Payments and partnering various Banks, NBFCs & Insurers and Masters’ degree in International Business, Mr. Navin Chandani is a veteran of financial services in the digital era.

He has previously worked as Chief Business Officer at Bankbazaar, Managing Director- marketing services and business information at Experian, Leader- Global Customers, Asia Pacific at Dun & Bradstreet, Senior Director & Head- Segment Solution & Consumer Experiences, India & South Asia at Visa.

He has been recognized amongst “The 100 top most Influential BFSI Leaders” by World BFSI Congress & ET Now, and has been the recipient of the “Problem Solver Award” at Visa, “Kim Vismale Leadership Award” at American Express.

Ubaldo Tambini

Region Director, Analytics and Solutions

Ubaldo Tambini, currently based at Dubai, is the Region Director of Asian Competence Center for CRIF Credit Solutions with direct responsibility of business development for India and UAE since August 2015.

Ubaldo joined the CRIF Group in Bologna in 2006 to startup a new management consulting business line focused on supporting Banks and Financial institutions in improving and optimizing their credit processes. In 2010 Ubaldo was appointed as Director of Business & Analytics Consulting, leading a team of 50 people with the responsibility of business development and delivery for risk management, process management and predictive analytics business lines for Europe, Russia and North Africa.

Before joining CRIF, Ubaldo was the Director of Business Development and Strategic Marketing of TASNCH, an European Company with headquarters in Bologna Italy, a leader in inter-banking payment systems and electronic money software solutions. In this position he was directly responsible of strategic projects with the European Central Bank and European Banking Association for SWIFT network and EMV microchip introduction. Ubaldo began his career at The Boston Consulting Group in Italy, being involved and leading multiple strategy consulting projects for large international players, initially in the consumer goods and automotive industries and later in the financial services.

Ubaldo holds a degree with Honors in Physics from the University of Ferrara, PhD in Nuclear Physics from University La Sapienza, Roma, and a MBA in General Management from Alma Graduate School of Bologna.

Lamberto Barbieri


Lamberto Barbieri, based at Singapore, is the CRIF ASIA Managing Director to develop and grow the presence of CRIF Group in the Region since 2015.

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.

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.

Vinay Hedaoo


Mr. Vinay Hedaoo, with 29 years of Banking experience with IDBI and SIDBI covering areas of development banking operations viz., Branch Management, Credit, Recovery, Audit, Risk Management etc. . He is presently working as Chief General Manager with SIDBI. He is having Bachelor’s degree in Textile Technology from VJTI, Mumbai University and Post Graduate Diploma in Textile Engineering from IIT, Delhi. Also, a Certified Associate of Indian Institute of Banking.

Ajay Garg


An investment banker with a successful deal making track record, Ajay Garg is accomplished in spotting the right investment trends in India on the basis of which funds like Warburg Pincus, Actis, Chryscapital, Sequoia, KKR, AIG, Citigroup, ICICI Ventures, Barings, IDFC have invested capital in India. In the last 15 years, he has been responsible for over 100 plus transactions with a total value in excess of US $ 5 billion. He has also headed the private equity advisory desk at DSP Merrill Lynch for six years.

He currently heads Equirus Capital one of the fastest emerging investment bank and ranked in the top 10 of the Bloomberg advisory league table. Ajay completed his MBA from IIM Ahmedabad in 1996 and has a first degree in engineering. He represents a group of shareholders on the CRIF High Mark Board.

Supriyo Chaudhuri


Supriyo Kumar Chaudhuri retired as Chief General Manager (CGM) in 2014 from the State Bank of India (SBI) after more that 30+ years of service across various roles.

He began his banking career as a Probationary Officer in SBI in 1977. He was the Chief Manager of SBI’s La Martiniere Branch, Calcutta, in 1995, the bank’s first branch to be fully computerized in Eastern India. He also set up and headed the bank’s Commercial Branch in Siliguri, covering the whole of North Bengal and Sikkim. As Deputy General Manager of Visakhapatnam module covering four districts of Coastal Andhra Pradesh, he led the Bank to a position of eminence in all parameters. He has been General Manager of critical networks of the Bank in North East India, Orissa and Chandigarh covering a large number of Branches in very difficult terrains. The States covered were Nagaland, Mizoram, Tripura, Meghalaya, Manipur, Haryana, Himachal Pradesh and Jammu and Kashmir. He was also General Manager of the Mid Corporate group in Kolkata, which handles large and medium Corporate accounts. Owing to his vast experience he was appointed as Chief General Manager of Credit Policy and Procedures Department of the SBI in 2012.

He holds a Bachelor’s degree with Honours in Economics from Presidency College, Kolkata and Masters in Economics from Calcutta University and Post Graduate Diploma in Business Management from Indian Institute of Management, Kolkata. He has also completed an Executive Development Programme at the University of Virginia, USA.