satish mehta

Satish Mehta is a Chartered Accountant with over 45 years of experience in Housing Finance, Consumer Finance, business development, training, Credit Information, and management consultancy.

As the founding Managing Director of India’s first Credit Bureau – CIBIL (now TransUnion CIBIL), he played a key role in building Credit Bureaus and developing Credit Scoring systems in India and globally. He was President – Financial Infrastructure & Credit Bureaus at Dun & Bradstreet (SAME) and also consults for the World Bank on Credit Information in emerging markets. Satish founded Athena Advisors with deep expertise in the retail lending industry and has played a key role in conceptualizing and implementing models that help institutions improve decision-making, and strengthen portfolio quality. Under his leadership, the organization has strengthened its position as a trusted partner.

He is the Chairman of Board of Directors of Pahal Financial Services Private Limited and an Independent Director on the Board of Dashboard Account Aggregation Services Private Limited, Aham Housing Finance Limited, Earlysalary Services Private Limited (Fibe) and Harrier Information Systems Pvt Ltd.

Known for his strategic foresight, collaborative leadership style, and focus on innovation, he continues to drive Athena’s vision and mission.

mitushi
Mitushi Chaurasia, a Finance graduate, with deep expertise in Housing Finance, Credit Information systems and Credit Bureaus. With a strong background in commerce and a proven track record of building customer-centric solutions, she plays a critical role in shaping Athena’s vision, strategy, and growth.

She is an Executive Director & COO at Athena Group. As COO of Athena Advisors, she leads and drives strategic initiatives to enhance operational excellence execution and sustainable organisational and business growth. She focuses on building a strong foundation across processes, people, and systems – ensuring that Athena is equipped not only for current demands but also for future expansion. She has led the establishment of robust operational frameworks, clear governance structures, and streamlined workflows that strengthen accountability and enable informed decision-making at every level.

She brings strategic foresight, collaborative leadership style, and focus on innovation, and continues to drive Athena’s mission of enabling transparent, efficient, and technology-enabled consultancy practices.

Neerav Darji holds a Bachelor of Commerce with a specialization in Accounting & Finance and brings a strong academic background combined with practical experience in consulting and advisory to his role at Athena Advisors.

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He focuses on financial advisory and strategic planning, helping organizations make informed decisions, strengthen processes, manage risks, and achieve sustainable growth. With an analytical approach and clear, precise communication, he translates complex data into actionable insights and builds trust through transparency and accuracy.
At Athena Advisors, he leads strategic initiatives, supports team development, and upholds the firm’s commitment to excellence and effective financial advisory. He is also leading the development and enhancement of the firm’s risk capabilities, including the creation of a comprehensive risk framework and an operational risk product tailored for lending and financial institutions. His work spans credit risk, operational risk, business risk, and enterprise-wide risk management, ensuring clients adopt structured, data-driven, and technology-enabled approaches to risk.

Vanshika Jain is a Bachelor of Commerce (Hons.) graduate, majoring in Accounting and Finance with a minor in Economics from the University of Delhi, and is currently pursuing ACCA to enhance her strategic and analytical capabilities.

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Her work centers on shaping business strategy, developing and refining policies, and optimizing processes for housing finance companies, NBFCs, and banks. She plays a key role in designing credit and operational frameworks that drive efficiency, resilience, and regulatory compliance. Beyond project delivery, she supports firm-wide growth by leading business development efforts and cultivating client partnerships aligned with the organization’s vision of delivering high-impact, strategy-led advisory services to the financial services ecosystem.

Samir is a Housing Finance professional who has been with HDFC Ltd for 37 years. His core expertise is in managing credit and recovery risk.

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He played a pivotal role in developing the in-house Credit Risk Management team and network of related professionals like advocates and collection agencies across the country. He has been a part of many National level Recovery Task Force set up for various branches from time to time and a member of many National level committees for different projects. He has also been a trainer / facilitator for different inhouse training programs at HDFC Ltd. With his experience and knowledge in Data maintenance and analysis, he has conceived, implemented, and executed ideas of digitisation of on-field activities as well as back-office functions of recovery processes, thereby building robust user-friendly systems for Early Warnings & MIS.

He is a strong believer that ‘learning is a lifelong process’ and not the end result of any task and that ‘knowledge parted is knowledge gained’. Accordingly, in this continuously changing world, to be always future-ready, one must practice this belief so as to keep learning, enhance knowledge base, acquire new skills and thus expand horizons. Athena is just the right platform which enables new learning by allowing one to impart knowledge & skills that he/she possesses.