Kamal Gairola in

Kamal Gairola

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Head HR - Assets, Credit and Collections at Utkarsh Small Finance Bank
📍 Delhi, India

Kamal Gairola is a seasoned Human Resources leader specializing in the financial services sector. As Head of HR for Assets, Credit, and Collections at Utkarsh Small Finance Bank, he leverages extensive experience from roles at AU Small Finance Bank and Aadhar Housing Finance. He holds a management degree from the Indian Institute of Management, Calcutta.

He has a keen professional interest in the broader financial landscape, including venture capital and insurance sectors, following major firms like Sequoia Capital and Aviva India.

Unique fact: Before his senior roles in banking, Kamal founded and ran his own HR consultancy, NeelKamal HR Consulting.

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Experience
18 Years
Current Role
Head HR - Assets, Credit and Collections
Location
Delhi, India
Personality Overview

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Communication Style
Decision Approach
Work Preference

Behavioral traits and communication patterns that shape how this person evaluates opportunities, builds trust, and makes decisions in professional settings.

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Priorities

Topics Kamal cares about

Financial Services HR
His career is centered on HR leadership within housing finance and small finance banks, including Utkarsh and AU Small Finance Bank.
Talent Management
As a Zonal and Head HR, his focus includes recruitment, training, and strategic human resource business partnering across large regions.
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Career

Work history

10-2022
Head HR - Assets, Credit and Collections
Utkarsh Small Finance Bank
7-2019 - 10-2022
Zonal Head - HR & Training - North
Utkarsh Small Finance Bank
12-2018 - 5-2019
Regional Manager - HRBP - North
AU SMALL FINANCE BANK
12-2017 - 12-2018
Zonal Manager - HR - North
Aadhar Housing Finance Ltd.
4-2016 - 12-2017
Founder & Principal Consultant
NeelKamal HR Consulting
In the press

Media appearances

Utkarsh Small Finance Bank Limited Announces Change in Senior Management Personnel. Featured in MarketScreener
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Education
Human Resources Management
Indian Institute of Management, Calcutta
Social presence
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Behavioral profile

DISC profile (public)

DISC behavioral profile

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