With a solid 20 years of experience, Sunil Kumar is a highly respected figure in the consumer durable finance and lending industry. He started his journey with Capital First (now IDFC First Bank), where he spent 12 years growing through the ranks and building strong dealer relationships. He later joined HDB Financial Services, managing operations across Gurgaon and Faridabad for 4 years, where he dealt directly with customer delinquency and EMI recovery challenges. His 2-year entrepreneurial stint running his own restaurant gave him first-hand exposure to business risk and resilience, while his recent 2 years at Finnable Technologies Pvt. Ltd. sharpened his strategic vision in personal loans and fintech. Sunil’s career has been shaped by real-world problems — watching dealers suffer losses due to non-paying EMI customers. This inspired the concept behind LockPe: a platform that gives dealers direct control over financed devices, ensuring EMI compliance and reducing risk. His passion for dealer empowerment and his field insights continue to guide LockPe’s core mission and product evolution.