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Francis Rozario
Chairman
Francis Rozario is currently the Executive Director and CEO of Fullerton Financial Holdings Pte Ltd. Prior to his current appointment, Mr Rozario was the President Director of Bank Danamon...
Read more >>Francis Rozario is currently the Executive Director and CEO of Fullerton Financial Holdings Pte Ltd. Prior to his current appointment, Mr Rozario was the President Director of Bank Danamon where he spearheaded the successful transformation of the Bank into a major all-purpose financial services provider in Indonesia.
A veteran international banker, Francis was a career Citibanker who spent close to three decades with the global financial giant. Beginning his career as a Credit Analyst, he was promoted to Corporate Bank Head at Citibank Dubai. He has also served as the Chief Executive for Citibank in Nigeria, Columbia and Ecuador before joining Citibank in New York as Division Head of Global Relationship Bank for Latin America. Thereafter, he was appointed the Head of Corporate and Investment Bank at Citibank Taiwan in 1993. In his last appointment at Citibank, Francis was based in London as the Global Head for Commercial and SME Banking for Citigroup International.
Francis is the Chairman and Director of NIB Bank Ltd (Pakistan), Fullerton India Credit Company Limited (India), and Fullerton Securities & Wealth Advisors Limited (India). He is also a Director of Fullerton Investment and Credit Guarantee Company, Limited (China), Fullerton Credit Services Limited (China) and Dunia Finance LLC.
Francis graduated from Sydenham College of Bombay University in 1974. He attended the Program for Management Development at Harvard University in 1987.
Rajeev Kakar
Director
EVP & Regional CEO - Central Europe, Middle East & Africa | Fullerton Financial Holdings
Executive Director & CEO | Dunia Finance LLC
Global Management Board Member | Fullerton Financial Holdings
Rajeev Kakar is the Executive Vice President & Regional CEO, for the Central Europe, Middle East & Africa (CEEMEA) region for Fullerton Financial Holding,...
Read more >>Rajeev Kakar is the Executive Vice President & Regional CEO, for the Central Europe, Middle East & Africa (CEEMEA) region for Fullerton Financial Holding, a 100% owned subsidiary of Temasek Holdings, head-quartered in Singapore. In his additional role as the Executive Vice President & Senior Management Committee Member at Fullerton Financial Holdings, Rajeev also heads the Consumer Banking businesses globally for all its Bank & Financial Services Investments and Holdings.
Rajeev is based in the UAE and is also the Executive Director & CEO of Dunia Finance - a joint venture finance company partnered amongst Fullerton Financial Holdings, Mubadala Investment Company, Al Waha Capital and A.A. Al Moosa Enterprises.
Rajeev has more than two decades in the banking industry. Until January 2006, he was formerly the Regional Head & CEO for Citibank's Global Consumer Bank, managing the Turkey, Middle East & Africa region, based out of Dubai.
In 1998, Rajeev started a new greenfield joint venture finance company in India, between Citigroup and Suzuki (Maruti). He ran this highly successful enterprise as its founding Managing Director, on its board, and it's CEO, for over two & a half years.
In 2000, he was designated as the Country Head for Citibank in Egypt, where he launched the Consumer Bank, which then grew to be the leading financial brand in the high potential Egyptian market.
In July 2002, Rajeev transferred to Turkey as Citibank's Cluster Country Head & CEO, for Turkey and Egypt. His role was expanded further and in September 2003, he took on the role as Regional Head & CEO for Citibank, managing the rapidly growing and complex regions comprising of the markets of Turkey, Middle East, Pakistan & Africa.
Rajeev joined Citibank in 1987 in India, after completing a Bachelor of Technology in Mechanical Engineering from the Indian Institute of Technology (IIT) Delhi and his Masters of Business Administration in Marketing & Finance from the Indian Institute of Management (IIM) Ahmedabad.
In September of 2009, Rajeev received the "CEO of the Year" Award for Financial Services in the Middle East, in recognition of his efforts in establishing Dunia as a pure greenfield operation, amidst the global economic downturn.
Rajeev is a member of the Global Management Board of Fullerton Financial Holdings in Singapore. He is also a member of the Global Advisory Board for University of Chicago Booth School of Business. He is a Director on the Board of "Fullerton Securities & Wealth Advisors Ltd" and "Fullerton India Credit Corporation", headquartered in India. Between July 2004 & February 2006, Rajeev was also a board member on the CEEMEA Board of Visa.
Tej Pal Singh Hora
Director
Tejpal Singh Hora is currently the group head for Risk Management in Fullerton Financial Holdings and has more than 41 years of banking experience, having worked with Citibank for 35 years before joining Fullerton...
Read more >>Tejpal Singh Hora is currently the group head for Risk Management in Fullerton Financial Holdings and has more than 41 years of banking experience, having worked with Citibank for 35 years before joining Fullerton Financial Holdings in October 2003. He was seconded to Bank Danamon Indonesia from October 2003 to February 2005 where he was the Director and Head of Integrated Risk Group. He then returned to Fullerton Financial Holdings in March this year to head the Risk Management function in Fullerton Financial Holdings. Mr. Tejpal Singh Hora has held many senior Risk and Operating positions when he was working with Citibank.
In his career, he has been the Head of Risk for the Private Bank for Asia Pacific, the Head of Risk for most countries in the Asia Pacific for the Corporate and Investment Bank, as well as the Head of Risk for Saudi American Bank, a major affiliate of Citibank. He has lived in 10 countries and has managed risk exposures in over 20 countries. Mr. Tejpal Singh Hora has a Bachelor of Science degree from the University of Delhi and a Masters in Business Administration from the Indian Institute of Management, Ahmedabad.
Ruben de la Mora
Director
Ruben de la Mora is currently the Chief Executive Officer of Fullerton India Credit Company Limited. He joined Fullerton Financial Holdings in Mexico in 2008. A Mexican national and a veteran from the banking...
Read more >>Ruben de la Mora is currently the CEO of Fullerton India Credit Company Limited. He joined Fullerton Financial Holdings in Mexico in 2008.
A Mexican national and a veteran from the banking and financial services sector, Ruben's prior assignment was with Credito Familiar, a leading consumer finance company in Mexico as its Chief Executive Officer.
Ruben comes with a rich and solid banking background, having held a number of senior positions at Citibank and Banamex for over twenty-five years, including head of Banamex's wealth management group and Citibank's Consumer Products Managing Director in Mexico. He has also served on several Boards including California Commerce Bank, Impulsora de Fondos, and Diners Club Mexico.
Ruben's experience in the finance industry spans all aspects of management from finance, treasury, network operations, product management and marketing to human resource management, legal and strategic planning. He earlier assignments with other organizations ranged from Retail Consumer Finance, Wealth Management Services, Consumer banking, Liabilities product and credit cards
Nihal Kaviratne
Director
Nihal Kaviratne's global career with Unilever spanned 40 years. He joined them in India as a Management Trainee in 1966, with an Honours degree in Economics from Bombay University...
Read more >>Nihal Kaviratne's global career with Unilever spanned 40 years. He joined them in India as a Management Trainee in 1966, with an Honours degree in Economics from Bombay University. His early years were in marketing and sales management, building Hindustan Lever's powerful distribution system, and developing the brands of the future such as Fair & Lovely.He was appointed Marketing Manager and National Sales Manager of the Personal Care Division in 1973.
As the Head of Marketing Research and Economics from 1975, he was able to influence strategic policy decisions involving corporate business and image development, representing the consumer and external stakeholder opinions within the company.
With the government's insistence for significantly higher exports in order for Unilever to maintain a controlling majority interest in its large Indian subsidiary, the Company moved Nihal in 1979 to secure this end-goal. As General Manager of the Export Division for Unilever, he successfully achieved this by developing an unconventional range of in-house manufactured exports in Indian sectors that enjoyed a comparative advantage (garments, carpets, footwear and marine products, among others), instituting global benchmarking, and negotiating international joint ventures and alliances to draw in the new capabilities required for the start-up's. He used the opportunity in India's bilateral trade agreements, to seed and keep alive Unilever's leading Personal Care brands in the former Communist East Bloc.
After 18 years with Hindustan Lever, he was asked to assume a leadership role at Unilever Indonesia in 1984. As Managing Director of the Detergents Division, he turned around the ailing business that was under serious attack by international and low-cost indigenous competitors.
In 1990, he assumed a category coordination role at Unilever's corporate centre in London. As Regional Leader Detergents for Latin America and South Asia, supporting Unilever businesses on the ground in 17 countries, he was responsible for globalizing sensibly. He worked with local subsidiary and JV companies to strengthen Unilever's holdings through organic growth and acquisitions, led strategic planning, transferred best practices, and drove innovation in one of the world’s largest companies. Through a carefully constructed acquisitions road-map, he powered Unilever's re-entry into Peru, Ecuador and Cuba; simultaneously providing central support for Unilever's Market Development Corporation in the newly emerging markets of Asia and Africa.
In preparation for a major competitive incursion into Unilever's South Latin American stronghold, he was appointed to the role of Managing Director, Argentina in 1995, with responsibility for the coordination of competitive strategy and plans of the companies in Brazil, Argentina and Chile. The success of the foundations he laid is now readily apparent to Unilever stakeholders.
Indonesia, Unilever's most important business in East Asia Pacific, was devastated by the economic crisis of 1998. Nihal returned that November as Chairman & CEO to lead the company during a period of national recovery. Five years later, in dollar terms, sales were well ahead of pre-crisis highs, with profits more than doubling and the company's stock worth twelve times more than when he took office as Chairman in 1998. In driving growth, he focused on building an enterprise culture through organizational transformation and change. The company is rated the best performer in Indonesia by independent financial analysts and the media.
Within and outside Unilever he pursues a keen interest in good corporate governance and corporate social responsibility, through his leadership of CEO forums and programmes for community development, health and education, fostering of first generation SMEs, clean water projects, and sustainable agriculture, developing models for replication by other sponsors. He was a founding member of the Board of Governors of President University in Indonesia. He was one of "25 leaders at the forefront of change" chosen by Business Week in 2002 for the Stars of Asia Award.
He was cited in the Queen's 2004 New Year Honours List in the UK and has been awarded the CBE for services to UK business interests and to sustainable development in Indonesia. In January 2004, he moved to a regional role in the Unilever Asia Business Group based in Singapore as Senior Vice President - Development & Environmental Affairs. In January 2005, he assumed additional responsibility as Chairman of Unilever's US$2.5 billion Home & Oral Care business in Asia. He completed his work with Unilever in December 2005.
As an Independent Non-Executive Director, he serves on the Boards of StarHub Ltd. and Foosti Pte. Ltd. (Singapore based tele-media companies) and is Chairman of the StarHub Strategy Committee, GlaxoSmithKline in India, ICI India Limited (an Akzo Nobel company), TVS Motor Company (Europe) BV, Fullerton India Credit Corporation and Fullerton Securities and Wealth Advisors Ltd. (Non Banking Financial Companies, and is Advisor to Fullerton Financial Holdings Singapore), Wildlife Reserves Singapore, Agro Tech Foods (the Indian Affiliate of ConAgra Foods), Titan Industries (a TATA Enterprise, India's leading manufacturer of watches and jewelry) and is Chairman of its Audit Committee, and as President Commissioner of PT TVS Motor Company Indonesia (which makes motorcycles). He was appointed to the Governing Board of The Bombay Mothers & Children Welfare Society (an NGO established in 1911), is a Founding Member of the Executive of APABIS (Asia Pacific Academy of Business in Society), is Vice Chairman of the Indian Cancer Society, and is the Founder of the St. Jude India ChildCare Centres (a not-for-profit organization providing shelter and holistic care to needy children and their parents visiting Mumbai for the treatment of serious diseases like cancer). He is the Founder President of the International Wine & Food Society, Bombay Branch, and a Chevalier du Tastevin.
Over the years he has practised leadership and team building in a variety of cultures, with special interest in negotiation and alliance building. He has attended several management development programmes in India, Australia, the UK and the USA, including the AEP at Kellogg, North Western University and the AMP at Harvard. Born in Bangalore in 1944, and a British national, he is married, with one daughter who is an immunobiologist with a PhD from the National Institute for Medical Research in the UK, with an MSc in Public Health from London University. She completed a post-doctoral fellowship at the National Institutes of Health in Bethesda, USA, and was appointed Project Manager at the University of Munich for the Mbeya Medical Research Programme in Tanzania. She has now accepted an appointment as Technical Officer with the Malaria Consortium at their HQ in London.