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Our Human Capital
Satish Mehta
Founder and CEO
Satish’s experience spanning over 31 years  in the areas of housing finance, consumer finance, business development, training, credit information and management consultancy has resulted in the creation of India’s first credit bureau - CIBIL, India’s first private sector mortgage lending institution - HDFC and he has extended invaluable expertise to the fledgling financial infrastructures of countries in South Asia and the Middle East.

Prior to founding Athena, Satish worked with the Quantum Group (CEO), Dun & Bradstreet Dubai (President - Financial Infrastructure & Credit Bureaus), Credit Information Bureau (India) Ltd - CIBIL (MD) and HDFC (General Manager).

His expertise has been used in various countries, which were in the process of developing their financial infrastructure. Specifically, he successfully headed the team that provided the technical knowhow for credit bureaus in UAE, Egypt, Sri Lanka and Bhutan.

Satish was the founding Managing Director of CIBIL, India’s first credit information bureau - a joint venture between Housing Development Finance Corporation (HDFC), State Bank of India, Transunion and Dun & Bradstreet. 

Prior to his responsibilities at CIBIL, Satish was General Manager - Business Development, at HDFC and was involved in various functions including business development, training, knowledge creation, consulting advisory services, due diligence for investments, entry strategies, projects for multi-lateral agencies, operational management, human resource management and loan syndication. He was also involved with / responsible for negotiations and closure of discussions with various international organisations to raise funds, obtain consultancy assignments and organise workshops.  An additional responsibility was to manage the diligence and valuation leading to the investment by HDFC in housing finance companies in Sri Lanka and Bangladesh and was on the Board of Directors of the Sri Lankan venture for a period of four years. Satish was responsible for the training and business development functions there. He was also responsible for HDFC’s  initial foray in to education loans.

He was responsible for the business plan and joint venture that HDFC started with GE - USA. The joint venture, Countrywide consumer finance was in the business of giving consumer loans pan India.

In addition, Satish has worked closely as a consultant, delegate, faculty member with a number of international organisations like the International Finance Corporation (IFC) in Nepal, World Bank in Indonesia, Bank of Housing and Construction and Home Finance Company Limited in Ghana, Building Societies Institute in Australia, National Mortgage Institute in Fairfield, USA, The Building Societies Association, UK and GE Capital Corporation, USA.

By education he is a Chartered Accountant and a graduate in science with specialisation in statistics and economics. He is an avid reader and likes to listen to music.
Vipin Khandelwal
Senior Consultant
Vipin is an MBA from University Business School, Panjab University, Chandigarh.

Over the last 8 years he has worked in various capacities with companies including Quantum Information Services P Ltd (Quantum) and Bharti Airtel. 

With Quantum, he was involved for more than 5 years in business development, customer service, financial planning and investment advisory roles as he set up the North India business. Further, in an operations role at the corporate office, he was instrumental in creating and launching the new website and ecommerce system and development of internal processes. In his last role with Quantum, he was the CEO.  

With Bharti Airtel, he was involved as a business analyst for close to a year.

Vipin works towards solutions and brings with him qualities like paying close attention to details yet keep the big picture in mind, out of the box thinking, extending trust generously and creating win-win solutions. 

He is an avid reader and loves to listen to music and drive.

Currently, Vipin is the CEO of our e-learning initiative – Learning Infinite
Swati Deshpande
Senior Consultant
Swati has done her post-graduation in Commerce with specialization in Statistics.

She has worked for 30 years in multiple functions and areas, with India's largest and premier housing finance company – HDFC Ltd. She was involved in credit appraisal, business development, client servicing and was responsible for all lending related activities in Western Maharashtra. Swati played a major role in process reviews and MIS and budgeting for the region. Swati was a key member of an all India team to conceptualize and establish HUBs for back office activities.

Swati's experience and knowledge is an important addition to the advisory services of Athena Advisors and its group companies.

Swati is a sports enthusiast, likes reading and listening to music and loves travelling.
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