Mr. Patel is the founder of the Arman Financial Services and its subsidiary, Namra Finance. He has more than 25 years of Senior Managerial and board level experience in the finance sector. After completing his education in USA, he joined a partnership in USA namely Kapps Pharmaceuticals. Later he returned to India to initially concentrate on the textile business and later expanded in the field of finance. He devoted fulltime attention to Arman in 1992, and lead a successful IPO of the company in 1995. Mr. Patel is a founder member of the Gujarat Finance companies Association and presently secretary of the Association. He is also the managing partner of J. B. Patel & Co., which leases commercial office space in Ahmedabad. He was a Member of the Finance and Banking Committee of Gujarat Chamber of Commerce & Industry (GCCI), and the Managing trustee of B. M. Patel Charitable Foundation.

Mr. Aalok Patel has 10 years of experience in the financial sector. He holds a B.S. in Accounting & Finance and a Masters in Accountancy from Drake University (USA), and graduated Magna Cum Laude. He is a licensed Certified Public Accountant in the US. He brings a vast array of new innovative knowledge to the Company. Post his education, he worked as an independent auditor for KPMG for 4 years, where many of his clients were in the Fortune 100 list, mainly in the Financial Services sector. He also brings experience from John Deere Credit, the equipment financing arm of John Deere & Co. He currently works for Arman& Namra full-time as an Executive Director since 2010, and mostly concentrates on the group's Microfinance and MSME division.

Mr. R. K.Nagpal is a performance driven Chartered Accountant having over 3 decades of experience in Banking & NBFC sector. He has worked as Vice President of Centurion Bank Ltd. for 7 years and on various senior positions with Central Bank of India for 21 years. He is also founder Managing Director/Chief Executive of Central Bank Home Finance Ltd. He is currently a Partner with Sharma Kathuria& Co Chartered Accountants. In his long and vast career in Banking, Mr. Nagpal acted among other positions as Senior Internal auditor of Central Bank of India and played a crucial role in unearthing frauds. He has also carried out large number of special audit assignments involving inspection of large borrower accounts for reporting of diversion of funds and unearthed Maritime Import/Export LC frauds.

Mrs. Ritaben J. Patel, is a Graduate in Economics. She also hold Banking qualifications from First National Bank of Chicago, USA. She has worked with various US banks like First National Bank of Chicago, Golf Mill Bank, Morton Grove Bank in various capacities for more than a decade.