Sanjay Garyali

Mr. Sanjay Garyali is the Chief Executive - Urban Finance at L&T Financial Services.

With over 26 years of experience across diverse sectors, Mr. Garyali in his role as the head of the Urban Finance business oversees the urban lending vertical of the company including Housing Finance and Consumer Loans businesses. He is also responsible for expanding the already established Two-Wheeler Finance business. Driving retailisation to help accelerate the growth momentum of the company is a core focus area for Mr Garyali and he will be driving a high-performance culture, concentrating on achieving operational excellence, strengthening processes and adding value to all the stakeholders.

Mr. Garyali specializes in strategy, scaling businesses and has built a solid track record in building customer-centric organisations as well as distribution networks. With a deep understanding of retail businesses, he is well experienced across retail collections, consumer durables and Two-Wheeler sales, branch banking, retail liabilities, NRI banking as well as investments and mortgages. Mr Garyali has worked with Kotak Mahindra Bank, HDFC Bank, GE Capital and Idea Cellular in the past.

An MBA from Panjab University, Chandigarh, Mr. Garyali also holds a B.E. (Electronic and Communications) degree from BV College of Engineering, Pune.