"Arogya Finance is the Brand name of Ramtirth Leasing and Finance Company Pvt. Ltd. an NBFC registered with Reserve Bank of India under RBI Registration No.: 13.01234"

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Our Board

Jose Peter, Co-Founder and Chief Executive Officer

Jose leads the venture day to day and sets the overall strategy for the firm.

A Chartered Accountant with years of experience in Finance and Business, he has extensive hands-on experience in the retail lending business, its systems & processes, legal & regulatory framework, management of risks & governance mechanisms.
Jose is also a co-founder of Index Advisory that has incubated multiple entrepreneurial ventures and has lead the financial advisory of the firm, helping organisations such as Daimler Financial Services and Medtronic to develop and launch finance offerings in India.
He has served on the board of several companies including multinational joint ventures and Tata group companies and has served as executive committee member of FIDC (Finance Industries Development Council), an apex organisation for financial service companies.
Prior to launching Index, Jose was the CFO and Risk Head of Tata Motors Finance, a retail finance company with a loan book in excess of $3 billion.
Jose lives with his wife in Mumbai.

Dheeraj Batra, Co-Founder and VP Strategic Alliances.

Like any passionate entrepreneur, Dheeraj has worn many hats at Arogya, including those of chief marketer, fundraiser, and tech geek.

Over the past few years, Dheeraj was involved with several start-ups. Until recently, Dheeraj was the Head of Business Design, India at IDEO, where he was part of a core team of people which helped establish the office in India. Prior to IDEO, Dheeraj worked at Innosight Ventures focused on building businesses in India. He led and was part of several ventures that cut across a wide range of industries from agriculture to financial services to men's grooming and medical devices. His work gave him exposure to people from all walks of life - ranging from farmers in rural India to CEOs in executive boardrooms.
Dheeraj holds an MBA from the Wharton Business School and BS degrees in both Finance and Computer Science from the University of Maryland. He lives in Hyderabad with his wife, Rishtee, and their two children.

Yogesh Mariwalla, Co-Founder and Director - Credit, Risk & IT.

Master in Statistics from Mumbai University with a first rank. ‘Human Resources Executive Program’ from Stanford Business School.

Yogesh is a business focused HR leader, with a deep understanding of various Human resource sub processes and their linkage to business. Yogesh believes that development of people is the key for any business to succeed and has throughout his career spent time helping companies navigate change and empower employees to achieve sustainable growth
He is a frequent speaker at various forums, takes guest lectures at IIMs and is a member of the CII HR committee. He was also a member of the CII SME committee. Yogesh has worked closely with the top management of various companies helping them develop strategies for growth and reshape their organisations, by effectively leveraging their Human resources. Yogesh has helped various small and medium enterprises professionalise their companies and take them to the next level of growth.
Prior to entering the area of consultancy Yogesh spent 23 years in the corporate world, primarily with the Tata Group. He has built his career leading change and transformation as a HR leader and strategic business partner. He has headed corporate functions like Human Resources, Corporate Planning, Information Technology, Network Expansion, Channel Management and At the time of leaving the Tata group he was Chief HR & Corporate Affairs for Tata Capital. .Under his leadership Tata Motors won the Best Employer award for 3 years in a row from 2002 to 2004 Yogesh pioneered the concept of HR as a profit centre in Tata Motors and then went on to help other Tata companies such as VSNL, Tata Chemicals, Tata Precision instruments Singapore, Tata Steel, and Rallis in setting up various HR practices that are best in class. He has also helped mentor employees on various business assignments in sales and collections.