As the pandemic forced everyone to work out of the confines of their homes, Bajaj Finance (BFL) chairman Sanjiv Bajaj cheekily told a TV anchor, “Clearly, the joyful moment is the amount of time that I have been able to spend at home. But I do not know if it is joyful for my wife and kids, or my father!” The soft-spoken 50-year-old was candid enough to admit that at times they did get fed up with each other. “But it has just made us open up,” mentioned Bajaj. This pragmatism has also reflected in the way Bajaj has been able to build the consumer finance business with a close-knit team. While Citi veteran Nanoo Pamnani, who helped Sanjiv build the financial services business post its demerger from Bajaj Auto, passed away this February, more than 75% of the management team has been around for about 7-18 years, which analysts believe partially explains the sustained business performance over the period.