Meet the people behind the

Mr. Banavar Anantharamaiah Prabhakar is the Part-Time Chairman and Independent Director of our Bank. He possesses about 4 decades of rich experience in serving various banks including Bank of India, Andhra Bank and Bank of Baroda. He retired as Chairman and Managing Director of Andhra Bank in August, 2013 and has also served as the Executive Director of Bank of India. He was on the Board of Karnataka Bank Ltd. as an Independent Director for five years and on the Board of Canara HSBC OBC Life Insurance Co. Ltd, for 6 years from 2015 to 2021. He holds a Bachelor's degree in Commerce from the University of Mysore and is a Chartered Accountant with the Institute of Chartered Accountants of India.

Mr. Sanjeev Nautiyal is the MD & CEO of our Bank.. He is a banker with over three decades of extensive strategic domain expertise in Retail, SME, Financial Inclusion, Operations, HR, International Banking, and Treasury. He earlier held significant roles as Deputy Managing Director, Financial Inclusion & Micro Markets, SBI and MD & CEO, SBI Life Insurance. He was serving as an Independent Director of Life Insurance Corporation and as an advisor in various organisations. Mr. Nautiyal holds a Bachelor’s degree in Arts and a Master’s degree in Business Administration. He is also a Certified Associate of the Indian Institute of Bankers. This office is liable to retirement by rotation.

Mr. Samit Kumar Ghosh is a Non-Executive, Non-Independent Director of our Bank. He was the Non-Executive Director and Chairman of Ujjivan Financial Services Limited (“UFSL”). He founded the UFSL in 2004 and served as its MD & CEO until January 31, 2017. With the approval of the Reserve Bank of India, he was designated and took charge as the MD & CEO of Ujjivan Small Finance Bank Limited effective from February 01, 2017 and retired on November 30, 2019 from this position on attaining the age of 70 years. He is a career banker with over 3 decades of experience in India and overseas with a specialisation in retail banking. He was part of the management team which launched retail banking with Citibank in 1985, Standard Chartered Bank in 1993 and HDFC Bank in 1996 and his last employment prior to founding UFSL was in Bank Muscat. He has completed MBA from Wharton School of Business at the University of Pennsylvania, USA.

Ms. Sudha Suresh is an Independent Director of our Bank. She is a finance professional with a rich experience of more than two decades in private and public companies and a decade as a practicing chartered accountant. She is the founding partner of S. Rao & Associates, Chartered Accountants, Bangalore. She is also the founder of Mani Capital. She was the Managing Director and CEO (2017-2018) and Chief Financial Officer (2008-2017) of Ujjivan Financial Services Limited. Prior to this, she served as the CFO/Finance Head for many companies. She is serving as an Independent Director on the Board of Royal Sundaram General Insurance Co. Limited. She is a qualified Chartered Accountant with the Institute of Chartered Accountants of India and a Company Secretary with the Institute of Company Secretaries of India. She is also a Grad ICWA from the Institute of Cost & Work Accountants of India.

Mr. Rajesh Jogi joins the Bank as an Independent Director. He brings rich work experience of almost 3 decades in the Banking Industry with a focus on risk management. He last worked with the Natwest Group (erstwhile RBS Group) where he led key strategic projects and transformation. He was the Chief Risk Officer, India of the Royal Bank of Scotland and subsequently the Country Head of Risk, India for the Group. He is also a Non- Executive Director on the Board of a few other companies. Mr. Rajesh Jogi holds a Bachelor of Arts degree in Economics and is a Fellow member of the Institute of Chartered Accountants of India. He also attended the Advanced Management Programme from the Harvard Business School in Boston.

Ms. Rajni Mishra is an Independent Director of our Bank. She has been a career banker for nearly four decades, with State Bank of India as well as its Associate Banks where she has handled varied assignments and diverse portfolios, gaining exposure in Branch Administration, Corporate Credit, Forex Treasury, Vigilance, Audit & Inspection etc. She is also serving as an Independent Director on the Board of Cupid Limited and Aspinwall and Company Limited. She holds Master’s Degree in Commerce (Gold Medallist) from M S University, Vadodara.

Mr. Ravichandran Venkataraman is an Independent Director of our Bank. He has a rich track record spanning more than 3 decades of having worked in India, London and Bahrain and brings a strong business background and has worked with top Business Leaders in over 100 countries. He is the Chairperson of eVidyaloka Trust, Earlier, in his role as Senior Vice President of HP’s Global Business Services, he was responsible for developing the Company’s shared services strategy and its global operating model. He joined Hewlett Packard from ANZ Bank’s global back office where he was the Managing Director, responsible for managing a team of over 5,000 in technology and operations. Prior to that, he was Vice-President – Corporate and Investment Banking at Bank Muscat and was part of the leadership group that set up the Bank in India. He has passed FCCA and ACMA from the United Kingdom. He has also completed a programme for CFOs with Wharton Business School, USA.

Ms. Anita Ramachandran is an Independent Director of our Bank. She is a well-known HR expert in the country and has over 4 decades of experience as a management consultant. She began her career in the Management Consultancy division of AF Ferguson & Co (the KPMG network company in India then) in Mumbai in 1976 as the first woman consultant in the firm. She founded Cerebrus Consultants in 1995 to focus on HR advisory services. She is known as an authority in Reward management in the country and has worked on HR transformation initiatives across sectors. She also works with several PE firms and start-ups to mentor them through their growth journey. She is also an Independent Director on the Board of several reputed listed companies such as Grasim Industries, Metropolis Healthcare, Happiest Minds, Blue Star Limited and FSN E-commerce (Nykaa) and also in few unlisted Companies including Godrej & Boyce Limited and Aditya Birla Housing Finance Limited. She also supports many organizations in the social sector through pro bono professional work and remains deeply committed to working with women. She has completed her MBA from the Jamnalal Bajaj Institute, Mumbai

Ms. Carol Furtado is a Whole-Time Executive Director of our Bank. Earlier, she was designated as the Chief Business Officer of our Bank. Ms. Carol Furtado has 3 decades of banking experience in Retail Banking and NBFC domains with expertise in leading Business, Banking operations, Credit, People functions and Service Quality. Ms. Carol is a key member of the leadership team that laid the foundation and built Ujjivan. She was instrumental in the recognition of Ujjivan as a certified great place to work. She has previously worked with the ANZ group, Bank Muscat and Centurion Bank Ltd. In 2009, Ms. Carol was the recipient of the Financial Women’s Association award by Women’s World Banking in recognition of her demonstrated professional commitment. She is a post graduate from Mount Carmel Institute of Management, Bangalore, and has been part of strategic leadership programs conducted by Indian Institute of Management, Ahmedabad and Harvard Business School, Boston. This office is liable to retirement by rotation.

Mona Kachhwaha has over 30 years of experience in banking and impact investing. She is a Partner at UC Impower, an early-growth stage equity fund, incubated by Unitus Capital (2020-Present). UC Impower invests in financial inclusion and climate solutions and has a gender-lens on investments. Previously, at Caspian Impact Investment Adviser (2007-2019), she managed the India Financial Inclusion Fund, a growth equity fund focused on inclusive finance; she was on the credit and investment committees of subsequent funds launched by Caspian. As the nominee on the board of early as well as growth stage companies, and subsequently as an independent director on some boards, she has played an active role in their governance and shaping their strategies. She started her career at Citibank (1994- 2007), where she worked across various retail asset businesses and led the bank’s foray into Inclusive Finance in 2005. Mona graduated in Mathematics (Hons.) from Delhi University (1992) and holds an MBA from XLRI, Jamshedpur (1994). She completed an executive program in Private Equity from Said Business School, Oxford University, in 2010.