Rakesh Bansal

Chief Risk Officer@ Hero Housing Finance
Area of Study: Understanding Risk from A Behavioural Economics Perspective

Career Guru Program

I started my career in financial services at SRF FINANCE Ltd in Jan 1991 and Sanjeev Pandiya was my first boss. I learned my basic lessons of lending, and collection from him and it has been now 32 years in the BFSI space, and lessons learned from Sanjeev still hold good and have stood the test of time. Sanjeev is one of the most intelligent bosses I ever worked with and always thankful to God that he was my first boss. The skills that I acquired under his guidance kept me ticking in financial services for 32 years and it helped me survive 5 cycles in the financial sector namely South East Asia Crisis coupled with the NBFC bust, dot com cycle, sub-prime crisis, and COVID. I always believe that basics in lending don’t change and some minor adjustments are required to keep pace with changing times, technological changes, and the changed external environment. I rate Sanjeev Pandiya as one of the best bosses and mentors in my whole career. Thanks so much for all your guidance in my initial years which have kept me on a growth path in all the challenging times and environment

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As a participant in the Dr Mentoring Program (DMP) four years ago, I can say with confidence that the program has been instrumental in shaping my approach towards managing operating cash flow and developing strategies for becoming a successful doctor entrepreneur.

Under the guidance of Mr. Sanjeev Pandiya, a seasoned ex-CFO of many listed companies like SRF, Jindal Steel, and Haulonix, the program provided us with invaluable insights into the financial aspects of running a medical practice. From understanding the basics of accounting and financial statements to learning about cash flow management, the program covered all the essential concepts required to successfully run a medical practice.

Moreover, Mr. Pandiya’s expertise and guidance helped us develop a strategic mindset to approach our profession as entrepreneurs. We were taught how to think outside the box and innovate to create unique offerings and build a brand that sets us apart from the competition.

Overall, I can confidently say that the DMP has had a profound impact on my professional growth as a doctor entrepreneur. The program’s emphasis on financial management and strategic thinking has equipped me with the tools to build a successful and sustainable medical practice. I would highly recommend this program to any doctor looking to enhance their entrepreneurial skills and take their practice to the next level.


Dr Yatin Shinde

Career Guru

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