Navin Saini is the Head of the Retail, Micro & SME Business. He has been instrumental in building the Retail franchise for Arka from the grounds up and has played a key role since its inception. His primary focus has been on setting up the right physical distribution backed by digital infrastructure, policy framework and underwriting models, both scorecard-backed and analytics-driven, to onboard the best customers and create quality portfolios. He has been a founding member of the retail business and has built this entire team which comprises Sales, Credit, Products, & Collections.

With over 25 years of experience in the BFSI sector and a strong focus on, Micro and SME financing, Navin is a reputed member of the lending fraternity. His past roles include leadership positions at renowned institutions such as Aditya Birla Capital, Standard Chartered Bank, Barclays Bank, ICICI Bank and SIDBI. In his last role, he was instrumental in building & launching a tech-enabled SME business for Clix Capital in a CXO position. With profound expertise in building strong teams and quality portfolios, Navin has helped start-ups, as well as established brands, scale their businesses to the next level.

Navin has pursued courses from Harvard Business School, Executive Education and Indian School of Business. He is an MBA in Finance from the Institute of Management Studies, Indore. He has also completed several workshops on Design Thinking to bring a customer-centric approach to his problem-solving ability that blends well with his knowledge of people and systems. Besides that, he enjoys sharing his lending experiences with SME entrepreneurs and startup founders and helping them grow.