Product Director – Finance, Fintune Business Solution Pvt. Ltd.
Sharath Bhat
Rural, Agri & MSME Credit Specialist
Rural and MSME finance leader with 22+ years across vehicle finance, MSME and agri lending, microfinance, co-operative finance and insurance distribution.
Profile
Sharath Bhat leads the finance products at Fintune — the loan products we offer to businesses, farmers and families, and the way we work with lenders, co-operatives and partners to deliver them.
He has spent more than two decades in lending and rural finance across Karnataka: vehicle finance, small-business and MSME loans, agri and allied lending, agri-enterprise finance, microfinance, co-operative finance, FPO development and insurance distribution, with cumulative portfolio exposure of over ₹1,500 crore.
His career has repeatedly involved building a business from inception — setting up branch and field networks, managing portfolio quality, and creating institutional partnerships with FPOs, PACS, co-operatives, NGOs, MFIs and business correspondents. He holds a Comprehensive Technical Program in Insurance from the National Insurance Academy, Pune.
Areas of expertise
Lending products
- MSME and small-business lending
- Agri, allied and agri-enterprise finance
- Vehicle finance
- Microfinance, JLG and SHG lending
- Gold-loan and secured second-chance credit
Institutions & distribution
- Co-operative and PACS-led finance
- FPO promotion and FPO-led lending
- Business correspondent (BC) partnerships
- Branch and field-network scale-up
- Rural insurance distribution (bancassurance)
The journey
- 2005 – 2007
Branch Manager, Mahindra Finance, Belgaum.
- 2007 – 2008
Cluster Head – Car Loans, North Karnataka, Magma Fincorp.
- 2008 – 2016
Senior Cluster Manager, Exide Life Insurance — bancassurance through 3,000+ PACS under 8 District Central Co-operative Banks; Excellence Award for highest contribution.
- 2017 – 2022
Samunnati Finance — Senior Manager, then AVP / Vice President – Business and Head – Farmer Network, Karnataka; built the Karnataka business from inception to ₹215+ Cr disbursed.
- 2023 – 2025
Chief Operating Officer, Navachetana Livelihoods (BC partner of ESAF Small Finance Bank) — 115+ branches, 980+ field officers and a ₹700+ Cr portfolio across Karnataka, Andhra Pradesh and Telangana.
- Today
Product Director – Finance at Fintune.
Who he works with
- MSMEs, traders and small businesses looking for credit
- Farmers, FPOs and agri-enterprises
- Co-operative banks, PACS and credit societies
- NBFCs, MFIs and business-correspondent partners
Talk to Sharath
Looking for the right loan — or a lending partner?
Tell us what you need — a business loan, working capital, agri finance or a partnership — and we will set up a call.
Discuss a loan Or message on WhatsApp →