CFM Advisory Board consists of people who have domain expertise and have themselves created or a part of large scale businesses

Sanjay Bhargava
Sanjay has been a successful business architect for financial services in different areas and in different geographies.

His first success was with Citibank in India in 1985 where he built a cash management business which moved 5% of India's GDP and was used by 275 of the top 300 companies in India. He moved to Thailand in 1994 to head transactional services business for Citibank and built the custodial services business market share from 1% to 36%. In September 1999 he joined PayPal as a founder employee and was the main business architect for all the back office functions of PayPal. He is the inventor of "random deposit to verify bank accounts". This has been used by over 5 million consumers and was the key element that made the PayPal business model profitable.

Sanjay has a bachelor's degree in Mechanical Engineering from IIT Bombay (Class of 1978) and an MBA from IIM Ahmedabad (Class of 1980). He is also a certified cash manager (CCM) and an accredited ACH professional (AAP). He was a 2002-2003 Reuters Digital Vision Fellow at Stanford University.

Sanjay has relocated to New Delhi in 2004 after spending 15 years out of India and is trying to find exciting world-class efforts in the social and corporate sector.

Manas Fuloria
Manas holds a PhD in Engg from IIT Delhi, Masters in Manufacturing Systems Engineering from Stanford University and a Bachelor in Manufacturing Science and Engineering from IIT, Delhi. He has been co-founder and first CEO of Dextrous Faber, a state-of-the-art manufacturing company at Bangalore, co-founder and CTO of Supply Chainge, a provider of integrated process and software solutions in supply chain management (SCM) and co-founder & Executive VP of Nagarro Inc., a niche software services company, and is on the Board of Directors of BidOptima, a search engine marketing firm. Prior to these, Manas worked with Prof. Ramchandran Jaikumar and MNI Consulting on supply chain and operations projects with various soft goods companies. Other customers included Umicore, Coca Cola Foods, Carrier Corporation and J&J Pharma. From 1993 to 1994, Manas was a Research Associate at the Harvard Business School's Technology and Operations Group, working on two global studies on the apparel industry.

 
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