Mr. Jyoti Prakash Gadia is considered as thought leader in area of finance & strategic leadership, he is an all-round professional with wide experience. He has worked very closely with many corporate & government organizations in successful turnaround of their operations & providing strategic advisory on financial services. He has led Resurgent India Limited as a visionary in creating a seamless platform for one shop solutions for Indian corporates & especially for SME segment.

After completion, his studies in 1998, he started his career as head of the finance vertical in Bhagwati Gases Limited. Within span of 7 years, he made it possible to completely turnaround the company both financially & operationally. Thereafter he started Resurgent India Limited in the year 2005 with a very modest and humble beginning & put Resurgent India Limited on a higher pedestal with his sheer devotion and commitment to the cause of business fraternity. RIL now has 6 offices across India & proudly employ more than 150 professionals and technocrats.

Resurgent India Limited is also a SEBI registered Category I Merchant Bank & also has distinction of being a certified company under ISO 9001:2015. It has honor of recognition of being empaneled by IBA as Agency for specialized Monitoring, besides being recognized for PMC, Govt Advisory & Project appraisal.

Resurgent India Limited is one of the biggest financial advisory services firms & offering the services across various verticals- Debt Syndication, Private Equity, Transaction Advisory, Valuation, TEV study & LIE Report, Training, Research, Retail Loan Syndication, Wealth Management, Credit Assessment, Insolvency Services, and each of these activities are gaining traction over period. Apart from serving the large private clients under the leadership of Mr. Jyoti Prakash Gadia, Resurgent is also offering services to Central Government, State Governments, PSUs, foreign fund houses & internationally renowned companies and has established a trustworthy partner with them. Adherence of business ethics has been the hallmark of Resurgent India.

Actively contributing for development of industry & policy advocacy – Mr. Jyoti Prakash Gadia is holding various positions for last 10 years in different associations & presently holding the following positions – 1. PHD Chamber of Commerce and Industry Chairman Banking, Financial Services & Insurance Committee 2. ASSOCHAM Chairman -MSME Committee Southern Region Co- Chairman- Haryana State Development Council 3. Confederation of Indian Industry (CII) Co-Chairman CII- NR Committee on SMEs 4. NAREDCO Member Finance

He was the Task Force Member of Steel and other Minerals formed by the Department of Public Enterprises, Government of India in the year 2012 – 2013 which is major recognition to Sri. Gadia as an entrepreneur with strong commitment and ingrained value system.

He has also played a very impactful role in setting up the affairs of the School of Finance of the Indian Institute of Corporate Affairs set up by the Ministry of Corporate Affairs, Government of India which reflects his strong belief and commitment to corporate education system in the country.

Till date he has written and published more than 100 research reports on the various finance & industry related issues which is reflective of his clear understanding of grass root realities of cross section of Industry and Businesses. With clarity of thoughts borne out of his long presence in the Industry, he actively participates as speaker in the various conferences / programs conducted by the various Govt. departments and other business forums.

Achievements of Resurgent India Limited in different verticals are as follows – Syndication (Debt & Equity)

350+ successful transactions.

Executed deals worth of USD 5 BN across sectors. Real Estate / Hospitality / Infrastructure / Power. (Last year, closed a big transactions with black stone which was a acquisition andLRD Structure, Apart from that, successfully executed Funding and Securitization transaction with NBFC ,has closed Fund based/Non Fund based limits with Infrastructure companies .. )

Key Strength Area - Structuring and Complex Debt deals

Wealth Management

AUM of more than USD 20 mn by serving over 430 clients across 175 family groups.

Business Valuation

Serviced 250+clients for valuation services including many fortunes 500 companies

Transaction and Govt Advisory

Executing 6 transactions of disinvestment for DIPAM (Department of Investment & Public Asset Management)

2 transactions for disinvestment have been done for Punjab Government.

Transaction Advisory 10 EPC (Engineering procurement construction) completed & 4 transaction are going on for NHAI

4 PPP (Public private partnership) on hybrid annuity model completed & 7 Transaction are going on.

Provided Legal, Technical & Financial advisory Services to Deendayal Port Trust (DPT) for 3 Years.

Emplaned Advisors to NHAI, Port Trust, ITPO, WBHDCL.

IPO Advisory: Legal / Valuation / Back office

TEV/LIE Studies

Emplaned consultants with 20+ Public / Private sectors banks

Executed more than 350 TEV Studies till

Training Services for Financial Institutions

Successful trained 1500+ candidates including in the specialized areas of Credit Management, Project financing drawing applause from Banks and Financial institutions.

Training referrals from 34+ FI’s including MoU with IICA, NIESBUD, FITS, KIIT University.

FinTech Venture (ScoreMe Solutions Pvt Ltd) - ScoreMe solution facilitates paperless credit delivery and monitoring. It enables paperless digital loan journey for clients . EWS for loan monitoring and access to multiple data sources in one platform for informed decision is facilitated by Score me platform.. It is currently used by more than 150 financial institutions including Public sector Banks, pvt sector Banks , SIDBI NBFCs and Fintechs. The solution broadly provides following solutions: Product Offerings:

Bank Statement Analyzer: In-House developed application wherein the Users (our clients) can get an analysis of their client’s bank statement. The output report based on the analysis of this statement provides an in-depth insight in the credit & debit transactions, in-house/related company transactions, cash-flows, loan, interest, cheque returns, online returns, investments, salary, tax, debtors & creditors transactions, exceptional transactions, and various other transactions of the company, etc. The Output reports can be customized as per the requirements of our clients. The application can be integrated via API Integration also.

Company Information Report (MCA Report): An online platform which can help the credit team to have an instant evaluation of the company. The system captures the financial data from the public domain, churns and turns it into a detailed output report with the analysis of Balance Sheet, Profit & Loss Statements, Shareholding Pattern, External Credit Ratings, Director Details, Loan Charge Details, Legal Data, etc.

GSTR Analyser: This involves fetching the data from GSTN server based on the User ID and Password provided by the client and analysing it for a detailed examination of the Debtors & Creditors of the entity. Along with the analysis of Sales and Purchase data, the report will also be comprised of Regular Customers & Suppliers, Trend of transactions (Business vs In-House), Defected & Returned products etc.

ITR Analysis: The ITR data is either directly fetched or processed from the XML/PDF file uploaded for further understanding of the income and financial parameters present in the Income Tax Return. The parameters vary as per the type filing done by the applicant.

Data Aggregation Platform: Further any kind of KYC for the identity documents, e.g., GST Registration, Udyog Aadhar Number, ITR, Shop & Establishment document, Director KYCs etc. declared by the company by following it with a legal background check of the company.

Integrated Credit Appraisal Report: One stop solution for end-to-end digitization of the complete credit appraisal process. This report is a synthesis of information provided by Bank Statements, GSTR & Financial Statements using which the Credit Assessment Memo (CAM) can be customized and digitized for the team.

Digital Lending Platform: Multidimensional platform featuring borrower, middleware & banker modules with in-built Financial Data Fetching & Analyzing APIs, the platform enables digitization of any kind of product including Loans for Retail & MSME Sectors, Co-Lending platform, Lead Capture etc. and provides Plug & Play mode for integration. Credit Monitoring

Serving FI by way of Post Disbursement Credit Monitoring

Working on more than 15 assignments Insolvency Practice

Lead by an experienced team of 12 senior partners

Working on 14 assignments as a Resolution Professionals KEY CREDENTIALS of Mr. Gadia

CONTRIBUTION TO VARIOUS INDUSTRIAL ASSOCIATIONS (ASSOCHAM/CII/PHD)

Mr. Gadia has organized several conferences to create credit awareness amongst MSMEs.

He has been the keynote speaker at various conferences and seminars. His talk are always keenly awaited and always well appreciated.

He has been instrumental in bringing eminent persons from different fields as speakers at various conferences.

He has brought people from diverse fields like banking, private equity, venture funds, SME Exchange, solicitors etc. on one platform to address all the issues plaguing the mind of MSME members.

In all conferences where his company has been the knowledge partner, he has personally finalized the theme of the conference, the issues to be discussed in each session, the speakers to be invited for different issues etc. All such conferences have been a grand success.

With these initiatives taken by Mr. Gadia around 4000 MSMEs would have benefitted and would now be able to run their businesses on a better and scientific manner. Mr. Gadia is a regular keynote speaker and panelist in eminent conferences on MSME, Banking & Finance and policy matters such as MSME Conclave -2013 – CII, Conference on Financing for Growth - Focus on Sustainable Development of MSMEs – CII, 9th Annual Banking Summit cum Social Banking Excellence Awards 2013 – Assocham, Banking Colloquium 2013 - CII Kolkata, National Conference on CREDIT RATING: Assessment & Impact conducted by Assocham, Conference on Real Estate Transaction - conducted by ICAI etc.

NEW INITIATIVES

Under Mr. Gadia’s leadership, Resurgent India Limited is embarking on several new initiatives such as Credit Rating Advisory Services focusing on MSMEs and a MSME-focused Non-Banking Financial Company (NBFC). The primary objective of these initiatives is to provide much-needed services to the underserved MSME segment that contributes to approx. 8% of GDP and over 8 cr. of employment of India.

Resurgent India is also empanelled with leading public sector banks for conducting Techno Economic Viability studies.

Mr. Gadia is an established subject matter expert in Banking & Finance domains. He is well known for bringing forth thought provoking ideas and new perspectives on seminal matters such as industrial growth, credit & fiscal policy, micro-financing, NPA management by banks, venture funding etc. His views are sought after by several senior journalists in print and electronic media.

With his deep knowledge of all practical aspects of finance, experience in handholding MSMEs from incubation to a mature & IPO stage, his deep relationships with several relevant Indian and International bodies and companies Mr. Gadia shall play a seminal role in guiding Corporates & Bankers in pursuing the objectives for which they are set up.

CONTRIBUTION TO START UP COMPANIES Mr. Gadia is highly passionate in helping start-up companies & bright entrepreneurs to achieve their dreams, evolve their business model and obtain venture capital funding. Some cases in point are: Tushky.com: Tushky is an internet start-up in “offbeat” travel and experience by a team of IIT Bombay alumni. Mr. Gadia handheld the company from its inception and helped them in:

Create a detailed business plan keeping in mind the market potential, evolving customer tastes & preferences, established and upcoming competition and available resources with the company

Mr. Gadia played a key role in evolving the technology of the platform (www.tushky.com) from a simple listing website to a full-fledged e-commerce platform. He also helped in an important technology tie-up with a team based in Silicon valley, California USA

Mr. Gadia was instrumental in the company’s capital raising efforts. He helped the company raise its first round of funding from “GSF Accelerator” – a prestigious incubation and funding agency and a group of angel investors. This was followed by a larger round of funding from “500 Start-up”, a marquee start-up funding agency based out of Silicon Valley, California USA.

Mr. Gadia continues to guide the company as a Director on the Board and is now helping them inachieving the next stage of growth and raise a larger round of capital from a venture Capital firm. Myguesthouse.com: My Guest House is an innovative start-up by Mr. Jiten Arora, a first-generation entrepreneur from Delhi College of Engineering with several awards to its credit. Mr. Gadia have been playing key role in the company as an adviser in the following areas:

Create a detailed business plan keeping in mind the market potential, established and upcoming competition and available resources with the company.

Inducting a new CEO into the company. He helped the founder handpick an ex CEO of Kuoni Travels (one of the largest travel companies globally), establish a commercial arrangement and induct thenew CEO into the business.

Mr. Gadia is currently leading the demerger process of the company with “Make My Trip” that owns ~38% of the company. As part of this he is also helping the company in raising capital from a Venture Capital firm.

Ginni Systems Ltd: Ginni Systems is a leading “Point-of-Sale” software and retail ERP providers to small and medium sized retailers in India. Mr. Gadia saw immense potential in the SME segment of retail and helped the promoter of the company Mr. Prashant Lohia in setting up the company including providing seed capital and dedicating significant time in establishing and steering the company in its early days till it became a formidable player in its segment – competing with large companies such as Polaris, Microsoft etc. Some of the areas he played an active role are:

Create detailed business plan keeping in mind the market potential,

competition, and available resources with the company

As a Board Member Mr. Gadia continues to participate in key strategic and financial decisions of the company and paved the path for inducting high caliber manpower into the company from organizations such as Oracle and SAP

Lead the product development roadmap along with the promoter. He is currently playing a key role in the company’s strategy to develop an innovative and new cloud based SaaS (Software as a Service) model to make the product highly affordable for SME retailers in India and increase Ginni System’s customer base by over 500% . CONTRIBUTION TO FOREIGN CORPORATES Mr. Gadia has also been instrumental in bringing in several MNCs into India and establish their business successfully which in turn are significantly contributing their respective sectors. Select examples of thisefforts are as follows: Duet Group: Duet Group is an international hotel development company formed by global PE funds to develop and expand hotel properties in India and run by a fully professional management headed by Mr. Naveen Jain. Mr. Gadia has been closely involved with Duet Group since its inception in India and played key role across the following initiatives:

Playing an active role as a bouncing board alongside the management in creating business strategy, detailed business plan and execution plan to achieve its vision

Raising finance for development of hotel projects across tier-1 and tier-2 cities of India fromdomestic and international lending Institutions.

Advise the management on the structure of joint venture with InterContinental Hotel group (IHG) as well as negotiating commercial agreements with Mahindra Group for development of hotel properties in Mahindra World City SEZ Amneal Pharmaceuticals: Amneal is founded by Patel Brothers of Indian origin and is one of the fastest growing U.S. developers, manufacturers and distributors of generic drugs and is ranked no 7 in USA in terms of Mr. Gadia played a key role in the company as follows:

Helped the company in making its maiden investments in India including opening of a 75,000 square feet R&D Center, setting up of US FDA approved new manufacturing facility and API facility in Ahmadabad and Vishakhapatnam respectively.

Mr. Gadia continues to play a very important role in the Indian operations of the Company including overseeing the development of 2 new upcoming facilities in Ahmadabad in oral solids and injectable dosage forms covering total 350,000 sq. feet of manufacturing facility

Mr. Gadia also played an important role in raising capital for Indian operations of the company from domestic as well as overseas financial institutions

SARE Homes: SARE India is a subsidiary of a Cyprus based real estate focused Private Equity fund. Currently SARE has a portfolio of 7 projects (total 24,000 apartments with over 37 mn sq. ft. saleable area) in Gurgaon, Ghaziabad, Amritsar, OMR Chennai, Kolathur Chennai, Indore, & Panvel. Mr. Gadia played an instrumental role in establishing the business in India including:

Creating business strategy, detailed business plan and execution plan to achieve its vision. Mr. Gadia played a key role in articulating the strategy of the company of focusing into affordable residential projects in tier-1 cities which is a key need for service-class people residing in Indian metros and tier-1 cities

Mr. Gadia helped raise capital from domestic financial institutions to fund the company’s operations

  CONTRIBUTION TO INDIAN MSME CORPORATES – A Case Study Manyavar: largest men’s ethnic wear company in India based in Kolkata with footprint across the country now with close to 500 stores with a turnover reaching INR 350 crore. Mr. Gadia has been involved with the founder of Manyavar, Mr. Ravi Modi from the time when Mr. Modi was operating a single apparel store in Kolkata. Some of the key milestones achieved by the Company under the able leadership of its Promoter and association with Mr. Gadia on various situations are – Playing an active role as a bouncing board alongside the Promoter and the Company Board in creating firm's strategy and execution plan to achieve its vision. • Developing the initial firm protocols like Standard Operating Procedures and Management Guidelines. • Assisting the Promoter in resolving issues that they faced around product sourcing, store profitability, employee issues, operational challenges to name a few. • Professionalizing the company fully including identification of independent board members and inducting Ernst & Young through their member audit firm S.R. Batliboi as the statutory auditors of the company. • Mr. Gadia is playing a key role along with the promoter in international expansion of the brand starting with markets in the Middle East. This includes identifying international franchisee and branding partners and forging mutually benefitting commercial relationships. • Selection and implementation of an appropriate ERP solution for the firm. • Mr. Gadia is now working closely with the promoter to decide on the capitalization plan of the company keeping long term needs into consideration – including possible induction of Private Equity or an IPO for funding the next stage of growth of the company. ASSOCIATION WITH INDIAN INSTITUTE OF CORPORATE • Mr. Gadia is an Honorary Consultant to the School of Finance of the Indian Institute of Corporate Affairs. The School is engaged in study, research, and capacity building in financial and regulatory issues relevant to business entities, professionals and the investing public at large. • The School is conducting short tenure programs and training workshops on regulation of corporate financial disclosures, accounting, and auditing. • The academic programs cover application of and compliance with accounting standards, convergence with International Financial Reporting Standards, financial reporting and disclosures and related corporate law and corporate governance issues, the role of audit, emerging trends in trade in accountancy services, emerging issues in capital markets, financial risk management including derivatives etc. • The School also provides financial reporting and regulation modules for the teaching and training programmes of other Schools of IICA. • Mr. Gadia is closely associated with the conceptualization and implementation of the programs of the School of Finance.   ACADEMIC UPDATE Course Institution Year Chartered Accountant (ACA) Institute of Chartered Accountants of India 1997 Company Secretary (CS) Institute of Company Secretaries of India 1997 Post Graduate Diploma in Business Administration (PGDBA) ICFAI Business School, Calcutta. 1997 Cost Accountant (ACMA) Institute of Cost Accountant Of India. 1995 (8th All India) Chartered Financial Analyst (CFA) Institute of Chartered Financial Analyst of India, Hyderabad 1996 Bachelor of Commerce (B.Com. Hons) St. Xaviers College (Calcutta University) 1995 Higher Secondary St. Lawrence High School, Calcutta (WBBHSE) 1992 COMPUTER LITERACY Area Software / Tools Level of Knowledge Operating System Windows, Vista, 7, MAC Working Office Application MS Office 2003, 2007,2011, 2016 Expert ERP System Oracle , Gin ERP Working Business Accounting Software Fact, Tally and Ace Expert Extra-Curricular Activities • Organized Private Equity Summit with HSBC at IHC, New Delhi in September 2008. • Organized Private Equity Summit with Economic Times at IHC, New Delhi in Feb’2008. • Guest Faculty at Fore school, ICFAI Business School and Amity Business School. Functional Training & Certificate: • 3 Day Executive training program on Private Equity & Venture Capital Organized by IVCJ from 8th to 10th October 2007. Professional Membership: • Member of MOU Task Force in Steel & Other Minerals – Govt. of India • Member Executive committee Assocham-Banking Division • Member CII-MSME Sector • Member FICCI • Consultant (Finance) IICA-Ministry of Corporate Affairs – Govt. of India