1. Sanjeeva Sahgal, CEO
Sanjeeva Sahgal is a trained banker with 30 years of banking experience demonstrating leadership traits in diverse
verticals of banking such as Core Banking, Corporate Banking, Investment Banking and Retail banking in various
important capacities.
Joining as a Probationary officer in SBI, he initially worked as Credit Appraising officer for large ticket lending
followed by branch head position with a responsibility of turning around of chronically loss making rural branch at
Kanpur and transforming it with best audit rating, healthy assets and substantial profits. This was followed with a
posting at SBI Capital Markets Ltd in 1994, where he honed his skills for advisory on disinvestment, restructuring
of Government entities, management of IPO and Financial appraisals and Project Financing of Manufacturing
entities.
Moving to HDFC Bank in 1998 he initially headed three largest retail branches in NCR, worked on initial image building
exercise of the bank, and raised large liabilities to fund assets. On the core banking domain he undertook the major
streamlining of processes, systems and then introduced trade finance activities in the outlets. As a Cluster Head of the
given region between 2003 to 2006 he was responsible for bringing to the books of the banks some of the largest
relationships of the region viz; NOIDA Industrial Development Authority, Greater Noida Industrial Development
Authority, Yamuna Expressway Industrial Development Authority, Exl services, Head Strong, free scale, BAG Films etc
and demonstrated and helped Public Sector organizations a comfort of banking with HDFC Bank. All these relationships
and many others continue to be amongst the most prestigious relationships for HDFC Bank and growing.
At Corporate banking, Sanjeeva Sahgal was mandated with a responsibility to interact with the senior management level
interaction with some of the largest organizations in NCR and all neighboring states for their corporate banking
requirements, generate asset and liability business and other ancillary services offered. This needed to study the
financial health of the organizations and picking the best for funding. He was in-charge for large ticket lending for real
estate, Infrastructure for Indian/MNCs of the region. He commands hands on exposure for pitching, designing,
implementing, growing and marketing wide range of banking products of liabilities as well as assets across all
segments pertaining to various Sectors viz; Real estate/Infrastructure: DLF Ltd, Hines India Ltd, ATS Ltd, TGC,
Unitech Ltd, Ambience Ltd, Discom:Paschmanchal VidyutVitranNigam Ltd, PoorvanchalVidyutVitranNigam Ltd, Haryana
Vidyut Prasaran Nigam Ltd, Uttranchal Vidyut Vitran Nigam Ltd, Infrastructure/Power Sector: U.P Power Corporation Ltd,
GAIL Ltd, Urbane Infrastructure/Housing/City planning :NOIDA Industrial Development Authority, Greater Noida
Industrial Development Authority, Yamuna expressway Industrial Development Authority, Haryana Industrial and
Infrastructure Development Corporation Ltd, Delhi Mumbai Industrial and Infrastructure corridor Ltd, Uttar Pradesh state
Industrial DevelopmentCorporationLtd,RajasthanIndustrial andInfrastructureDevelopmentCorporationLtd,DelhiIndustrial
Development Corporation Ltd, UPSIDC Ltd etc. IT/BPO Sector: HCL Technologies Ltd, HCL Infosystems Ltd, GENPAC,
Cadence, Adobe, Dell India Ltd, Steria India Ltd, Met life India Pvt. Ltd, Exl Services India Ltd, CSC Ltd, Barclays Shared
Services India Pvt Ltd, Automotive Sector/Tractor: Maruti India Ltd, Escorts Ltd, Eicher Ltd, Motherson Sumi Ltd,
Electronics and Electrical Goods Sector: LG, Samsung, Sony India Pvt. Ltd, Whirlpool India Ltd, Havell’s Ltd, FMCG: Rohit
Surfactants Ltd (manufacturers of Ghari Detergent), Geoffrey Philips Ltd, Hospitality Sector: Lodhi Hotel Ltd, State and
Central Government Business and many others.
None of the assets funded by Sanjeeva in his career ever became NPA or even stressed reflecting sound financial
judgement and acumen for correct diagnosis of financial health and off balance sheet position of the
organization.
Sanjeeva is now Founder and CEO of Value and Quality Intent (V&QI) working as a freelance consultant for the Banking
(BSFI) and other domains and other banking related areas for core banking, corporate banking, Investment banking
and Retail banking verticals. He also provides training for banking and soft skills developments to various corporates.
The team of V&QI consist of some of the best names in the industry and aims at high standards in delivery of services.
Sanjeeva holds Masters in Business Administration from the Prestigious “Faculty of Management Studies” (FMS),
University of Delhi, a Bachelor and Masters in commerce from Chirst Church College, Kanpur and has done his
schooling from Ram Krishan Mission School at Kanpur, one of the most reputed schools in U.P. run by Ram Krishan

2. Mission Trust, Kolkota. He successfully and regularly participated in various singing competitions, plays, music
competitions and performances, debates and drama, sports events all through.
Some of the Consulting /advisory roles/assignments he has been engaged in, is presently /can be engaged in ,
are as follows:
 Mahindra Group for their earlier planned Payment Bank Foray.
 McKinsey & Company India and at other countries.
 BCG India and at other countries
 E&Y India
 GENPACT – largest Indian BPO
 And to many MNC investment funds/ fund houses in US, Hongkong and Singapore
 Advisory role for Banking/NBFC Sector – Retail/ECG/Corporate banking/Micro banking/Investment
banking – on various facets, advising interested entities from conceptualisation to start- up of bank/NBFC
(successfully leasing and lending of/for retail assets)and steering it through successfully.
 Advisory role for Payment Bank – Strategies /product definition and designing/operational aspects/risk
management/Collaborations / RBI coordination/ launch strategies/stabilizing factors.
 Sectoral and other advisory role –
1. Automotive Sector , both two wheeler and four wheeler – retail leasing and Funding, various
Scenarios, Automotive financing start-up by an NBFC
2. Real estate in India (banking perspective) – Present and expected Market Scenario/Funding
options/Strategies to be played in India
3. Micro lending, how banks have suffered and safe Strategies.
4. Organisational structure in banking and NBFC
5. India Banking Sector Analysis, NPAs/Stressed assets and their management,
6. Defining Sales Team Structure, liabilities Management, augmenting profitability by improving
CASA, Assets Strategies
7. Importance of KPI in today’s banking in India
8. Outlook Banks 2017, NBFC Outlook 2017
9. BPO setup/ Software company
10. Infrastructure – Power, Road, Real estate, Ports etc
11. FMCG
12. Electrical and Electronics sector – end to end
 Advisory on matters related to various Financial regulators viz; RBI/NPCI/Rupay etc
 Advisory role to Start ups and arranger of angle investor.
 BFSI consulting for development of banking and financial products.
 Training of financial/banking products for software engineers and BPO employees by customising needs of
company.
 Advisory on economy, Marketing of Financial Products, Financial restructuring etc.
 Financial and Strategy advisor to a known Zero Square Energy Solutions Ltd (backed by IITians providing
design, implementation and maintenance services of HVAC Systems, Energy conservation solutions for
Industries and large corporate establishments, Building Automation and Home Automation Systems and to
Specialty aluminium Grills Ltd, (backed by IITian and Chartered accountants), a leading manufacturers of
anodized aluminum grill and glazers,
 Training for soft skill development by organising customised programs for various educational
institution/corporates.
 Visiting of various educational institutions for delivering talks on various subjects to students as well as
faculty.
 Member of board of studies of few leading educational institutions in NCR.