SG Consilium brings 20+ years of senior banking, credit, and regulatory expertise to the boardrooms of India's NBFCs, fintech lenders, and growth-stage financial enterprises.
"Governing with Wisdom. Advising with Integrity."
— Sameer Gaikwad, Founder
SG Consilium operates across three distinct but complementary advisory mandates.
Board membership across Audit, Risk, Credit, and Strategy Committees — bringing an independent, deeply experienced voice to financial services boardrooms.
Capital raising, debt structuring, M&A advisory, digital transformation, and pre-IPO governance preparation for NBFCs and growth-stage enterprises.
Credit policy design, board committee charters, ALM frameworks, and RBI/SEBI regulatory examination readiness for lending institutions.
Deep expertise across India's financial services landscape.
RBI-regulated non-banking financial companies at every stage of growth.
Digital lenders, LSP platforms, and embedded finance companies.
HFCs navigating NHB regulation, capital markets, and governance build-out.
Portfolio management services, wealth platforms, and SEBI-regulated entities.
Broking houses, investment platforms, and capital markets intermediaries.
High-growth financial services enterprises preparing for institutional capital or public markets.
The difference between a board director who understands governance in theory — and one who has lived it — is the difference SG Consilium brings to every boardroom.
Sameer Gaikwad · Founder, SG ConsiliumSG Consilium was founded on a simple proposition: India's financial sector needs board directors who have genuinely been in the room where decisions are made — not observers, but operators.
Sameer Gaikwad brings rare operational credibility to every boardroom engagement — having personally navigated credit cycles, RBI supervisory examinations, capital markets transactions, and organisational transformation at the CEO level.
A senior banking and financial services leader with over 20 years of experience across India's most prestigious financial institutions — ICICI Bank, HDFC Bank, Yes Bank, and Citibank — culminating in the role of Chief Executive Officer of an RBI-regulated NBFC.
Board-level advisory and governance consulting for NBFCs, fintech lenders, housing finance companies, and growth-stage financial services enterprises. Independent Directorship across Audit, Risk, and Strategy Committees.
Full strategic, operational, regulatory, and governance mandate. Established board-level governance frameworks, managed RBI supervisory examination, raised debt capital from banks and institutional investors, implemented LMS platforms and fintech API integrations.
Senior responsibility for a significant business vertical with accountability for credit, growth, risk governance, and P&L. Developed sector-specific credit frameworks for NBFC and financial services clients.
Complex corporate relationships and structured lending across financial services, infrastructure, and manufacturing sectors. Consistent NPA performance and credit quality discipline.
Credit underwriting, risk assessment, and portfolio oversight for retail and corporate lending. Developed credit assessment models for retail loan products and MSME lending segments.
Business banking and wealth management for HNI and SME clients. Developed deep understanding of client-centric advisory and relationship banking.
SG Consilium structures every engagement around the specific governance and strategic needs of the client — not off-the-shelf advisory. Three mandates, delivered with precision and accountability.
Audit · Risk · Credit · Strategy Committees
SG Consilium provides board-level independent directorship to NBFCs, fintech lenders, housing finance companies, and growth-stage financial services enterprises. Every mandate is approached with the seriousness of a fiduciary — deep preparation, independent judgement, and active governance participation.
Sitting fees per meeting + annual commission as approved by shareholders. SEBI LODR compliance built in. Target: Rs. 20–50L per annum.
Annual retainer + sitting fees. Structured to reflect committee responsibilities and time commitment. Target: Rs. 5–15L per annum.
Audit Committee or Risk Committee chair roles command additional fees — Rs. 5–10L supplemental — for the heightened oversight responsibility.
Growth · Capital · Transformation
Strategic advisory mandates address the most consequential decisions a financial services company faces — capital structure, growth strategy, regulatory navigation, and transformation. SG Consilium brings board-room and CEO-level perspective to every strategic question.
Dedicated advisory hours per month. Ongoing access for strategic decisions — capital, credit, regulatory navigation. Rs. 2–5L per month.
Fixed-fee engagement for specific mandates — fundraising advisory, strategic review, governance audit, or pre-IPO preparation. Clear scope and deliverables.
Part-time strategic advisor to the promoter/CEO — attending leadership meetings, guiding key decisions. Flexible time commitment.
Frameworks · Policies · Compliance
Governance consulting mandates build the institutional infrastructure that regulators expect and investors demand. From credit policy design to RBI examination readiness, SG Consilium delivers frameworks that are both technically sound and operationally practical.
Comprehensive review of existing governance frameworks against RBI/SEBI expectations. Delivered as a written report with prioritised recommendations.
End-to-end design and implementation of governance frameworks — credit policy, committee charters, ALM policy, or risk appetite statement.
Dedicated RBI supervisory examination preparation — gap analysis, mock examination, documentation review, and board-level briefing.
What separates operational credibility from consultant expertise.
Having led an NBFC as CEO, Sameer Gaikwad understands governance challenges from the inside — not as an observer, but as the person accountable to the board.
Personally navigated an RBI supervisory examination as CEO and achieved a clean regulatory assessment. Understands what regulators look for at the board level.
Deep expertise built across ICICI Bank, HDFC Bank, Yes Bank, and Citibank — in credit underwriting, ALM, NPA management, and portfolio oversight.
Has raised debt capital from banks, NBFCs, and institutional investors; structured NCD issuances and securitisation transactions at the executive level.
DIN registered. IICA Independent Director Databank enrolled. Meets all independence criteria under Companies Act 2013 and SEBI LODR. Ready to serve immediately.
Deep relationships across banking, PE/VC, regulators, and the financial services promoter community — bringing connectivity alongside expertise.
If you are a promoter, investor, or executive search professional exploring board advisory or governance consulting — reach out directly. No intermediaries, no gatekeeping.
All enquiries are responded to within 24 hours.
Thank you. Sameer Gaikwad will respond within 24 hours.
In the meantime, connect on LinkedIn.