Northern Arc Capital

Northern Arc, previously known as IFMR Capital, is the flagship company of our group originally promoted by us and now enjoys the backing of prominent institutional investors such as Accion, Leapfrog, IIFL, SMBC, Affirma and Eight roads. It strives to be a trusted platform that enables the flow of finance from capital providers to users in a reliable and responsible manner. With a strong capital base, a deep reach across clients and debt investors, a wide offering of debt products and a diversified asset book, Northern Arc continues to grow from strength to strength.

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Lives Impacted
(USD 11,000 Mn+) Finance enabled
(USD 750 Mn) AUM

Dr. Kshama Fernandes

Dr. Kshama Fernandes is the Managing Director and CEO of our Company and oversees the overall management of our Company. She was appointed to the Board with effect from August 1, 2012 and was most recently re-appointed as Managing Director for a period of three years with effect from April 1, 2020.

She holds a bachelor’s degree in science from Goa University, and a master’s degree as a well as a PhD in management studies from Goa University. She has over 25 years of experience spanning across management, risk advisory and academia.

Dr. Fernandes is a financial risk manager certified by the Global Association of Risk Professionals (GARP). Prior to joining us, she was a professor at the Goa Institute of Management. She has also served as our chief risk officer from 2009 to 2012.