Agrim housing finance founders are professional with vast experience in banking.

CEO & Co-founder

Dr. Malcolm Athaide

An Engineer, MBA and a doctorate in Micro lending from XLRI, Malcolm has over 23 years of experience with Siemens and Tatas, Private Banks in ICICI Bank and Yes Bank, and MNC Banks in Scotiabank and Standard Chartered Bank. He is an expert in Mortgages, MSME, Digital lending & Fraud Control Measures. He has been instrumental in building books of $3 bn and $10 bn in his past 2 organisations at low default. His experience is primarily in retail loans specifically affordable housing loans, data analytics models and fintech. Malcolm is keen marathon runner.
Chairman & Co-founder

Devesh Sharma

A Chartered Accountant with over 23 years of experience in Risk Management,  Treasury, Asset Liability Management, Capital Planning. ICAAP and Stress testing   across India and Middle East with reputed banks like Barclays, DCB, IDBI Bank, Credit Lyonnais, Kuwait International Bank(KIB) Al Ahli Bank of Kuwait. He has been  involved in digital transformation of banks, setting up Corporate Governance and Risk Appetite frameworks for banks and Enterprise Risk Management consultancy.

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