Anand Subramaniam is the Chief Business Officer at Auxilo Finserve Private Limited, bringing extensive experience in retail finance with a strong track record of building and turning around businesses in reputed organizations with full P&L responsibility. He possesses deep expertise across products, processes, sales operations, and credit, covering diverse retail lending segments such as education loans, personal loans, home loans, auto loans, and credit cards. Anand has successfully led business development, product management, relationship management, credit risk, collections, and cross-sell initiatives. His leadership reflects a strong ability to drive growth, operational efficiency, and innovation, while delivering customer-centric solutions. Anand is recognized for his strategic vision, execution excellence, and contribution to the retail financial services sector.