A rank holder having a Masters Degree in Commerce from the Mumbai University and an unfortunate CA finalist having almost twenty years of experience in the field of Accountancy, Auditing and Tax Planning and almost 24 years of experience in the field of Financial Services viz. Insurance Risk Management, Mortgage Finance, Project Financing, Retail Banking, Personal & Consumer Financing.
Started his company HORIZON FINANCIALZ way back in year 2001 with an aim to provide the expert professional touch in the field of financial services viz Tax & Financial Planning.
With an experience of over total 24 years in the mortgage industry post qualification have managed over 800 clients with 600 crores of loans at numerous banks and non banking financial institutions.
A seasoned and successful leader with a track record of producing, presenting and managing the implementation of innovative financial solutions. Highly motivated with a proven ability to develop people and commercialize all aspects of a business. Experienced in converting every opportunity into success and of driving profit and growth. Well networked and highly successful in implementing business process improvements, defining company direction, achieving goals, change and optimising business procedures.
Mrs, Komal M. Pandey is primarily a Credit Score / Cibil Consultant with hands-on experience in CIBIL rectification, credit report analysis, and loan rejection resolution. Her expertise is built through practical, on-the-job learning while working closely with senior professionals in the credit and lending domain. She specialize in identifying errors, negative remarks, and risk factors across all four credit bureaus and guiding clients through the correction and improvement process. She has worked with both individuals and MSMEs, handling cases related to settled accounts, post write-offs, delayed payments, and low credit scores. She strongly believe in educating clients so they understand their credit profile and make informed financial decisions. She has also conducted various credit awareness seminars as a trainer, where she explains the importance of credit discipline, CIBIL reporting, and long-term score improvement strategies. Her approach focuses on real-world solutions, transparency, and ethical credit practices.
Horizon Money is a prominent financial consultancy and loan provider agency located in Mumbai, dedicated to bridging the gap between borrowers and the capital we need to succeed. With a focus on accessibility and customer-centricity, we offer a diverse suite of financial products tailored for individuals, professionals, and corporate entities.
Our retail lending solutions include Home Loans competitive interest rates and flexible tenures, alongside designed for immediate liquidity. For us with substantial assets, we facilitate Mortgage Loans (Loan Against Property) and complex Project Loans for large-scale industrial or infrastructure ventures. Entrepreneurs can also access specialized Business Loans to fuel expansion or manage operational cash flow.
Beyond simple lending, Horizon Money distinguishes itself through essential financial "recovery" and compliance services. We provide expert CIBIL Correction to help clients improve their credit scores, which is often a prerequisite for lower interest rates. Additionally, our income tax consultancy services ensure that clients' financial records are accurate and compliant with current regulations, facilitating smoother loan approvals. By combining traditional lending with strategic credit management, Horizon Money serves as a comprehensive financial partner for the Mumbai community.
Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.
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