Ujjivan Small Finance Bank (USFB) Limited is among the leading small finance banks in the country. We were one among the first 10 organizations to get the Small Finance Bank license in India. It is committed to provide a full suite of financial services with a focus to serve the unserved and under-served segments. We are now a one-stop destination for financial services and offer personalised customer experience to our wide customer base. With technology as a key enabler, Ujjivan Small Finance Bank continues to expand its reach and enhance customer experience. The strengthened digital interfaces, across regions and languages has empowered our customers to seek timely and easy access to finance; at all times. This has further enabled the Bank to deepen its customer connect across diverse locations. As a ‘Responsible Bank’ we stay invested in creating a sustainable social impact through community development and financial literacy initiatives.
At #UjjivanSFB, we celebrate our synergies and embrace every opportunity to come together. Be it Diwali or Onam, Potlucks or Garba, we always make it a point to let our hair loose and share the joy with one another.
Every initiative we take at Ujjivan SFB was aimed at making Ujjivanites proud of our workplace. So many milestones, and so many achievements – all in the journey to build better lives, starting with You.
Be it employees or customers, we put people above all. We encourage and ensure work employees life balance for all our employees in the best possible way. We embrace the local nuances of culture, language and tradition and blend them with modern innovation to empower our employees. We are a diverse organization and do not let the barriers of gender, race language, sexual orientation etc keep us from welcoming the right talent in the bank.
We believe in empowering individuals with the right tools to achieve holistic growth, thereby maximising their potential. Our employees are the first to be informed about new roles through Internal Job Posting and are given special training and exposure to ensure both upward and lateral growth. Similarly all our employees starting from front line workers to the senior leadership are rewarded under the Employee Stock Ownership Plan (ESOP) based on their performance. The organisation provides an opportunity for wealth creation for all its performing employees.
We believe in growing together as an organisation and a community at large, leaving no one behind. Our employees work towards catering to lesser privileged sections of the society by providing them financial instruments to achieve their goals. We also partner with several CSR organizations to enable financial literacy, build sanitation and health aiming for the growth and good of the larger community
Ujjivan SFB has always been an early adopter of technology and innovation, with digital investments in people, processes, platforms and new technologies. In our quest to always remain relevant, employees are not only regularly trained through internal trainings and Learning Management Systems (LMS) to upskill, reskill and cross-skill but also encouraged to take advantage of self-learning & development programmes based on their personal interests, skills & roles. The bank strives to be leaders in digital innovation, innovative and relevant products for its various customer segments. Ujjivan also believes in strong Reward & Recognition programmes which motivates and empowers employee at all levels across the bank to be their best innovative self.
One of our most unique pillar is transparency. We work with integrity, fairness, respect, trust, inclusiveness and teamwork and our leadership team promotes and practices communication of a clear vision and strategy for growth. We take pride in our internal collaborations, many of our milestones are a direct result of different minds coming together. We are open to new ideas, learning new methods and innovations to empower both employees and customers.
Business Head – Micro Banking
Chief Operating Officer
Sriram joined Ujjivan SFB in 2022. He has over 22 years of experience in banking industry. He was associated with Citibank for over 18 years in regional and global digital roles and has worked in various regions like Japan, Singapore & Vietnam. He has also worked with Standard Chartered Bank as Global Head, Digital Servicing and HSBC as regional Head of Digital Channels and Platform Operations. He joined Ujjivan SFB from Digital14, a UAE based Cyber Security and Digital Transformation company. He was Vice President – Market Service Center Head and built up the financial services industry segment there. He also has a track record of building & leading crosscultural, cross functional teams of talented global professionals. He has an MBA (PGDM) from the Indian Institute of Management, Bangalore and a BE (Hons) in Electrical and Electronics Engineering from BITS, Pilani. He is also certified in Scaled Agile, Machine Learning and Tensorflow.
Vibhas Chandra is an experienced hand in Ujjivan with a career of 13 years in multiple roles, managing various geographies. During this time, He has lead Ujjivan’s east region and was pivotal in transition from MFI to Bank.In his previous role, he was leading the Asset Products division for Microbanking and Rural Banking. He holds a Masters of Business Administration degree from Xavier Institute of Management- Bhubaneswar.
Martin is the Chief Operating Officer of Ujjivan Small Finance Bank. He comes with over 25 years of experience covering Retail Banking operations, Retail Asset and Micro-finance Operations, with expertise in set-up and implementation of new processes. More importantly, he’s known for leveraging technology for operations innovation to create delightful customer experiences. After early stints with ANZ Grindlays Bank and Bank Muscat, he predominantly worked in the space of Operations and Customer Service at the Centurion Bank of Punjab , Centillion Solutions & Services. He joined Ujjivan Financial Services Ltd in 2009 as Regional Operations Manager, before taking charge as the Head of Operations, a post he held until January 2017. Consequently, he was appointed as Head of Operations of Ujjivan SFB in February 2017, where he channelled his vast experience in setting up the Operations vertical for the bank. Martin is a Computer Science Graduate from St. Joseph’s College of Arts & Sciences, Bangalore.
Managing Director & Chief Executive Officer
Chief Business Officer
Chief Operating Officer
Chief Risk Officer
Chief Financial Officer
Chief Credit Officer
Head of Treasury
Chief Compliance Officer
Company Secretary & Head of Regulatory Framework
Head of Audit
Head of Human Resources
Mr. Ittira Davis is the Managing Director & Chief Executive Officer of our bank. He is an international banker with over 40 years of banking experience, having worked extensively in India, Middle East and Europe. He was with the Europe Arab Bank from July 2008 to October 2012 initially as the Managing Director – Corporate and Institutional Banking and then as an Executive Director. He also previously worked with Citibank in India and the Arab Bank Group in the Middle East. He has been associated with Ujjivan since 2015 and played a pivotal role in its transition into a Small Finance Bank. Later, he was the Chief Operating Officer of the Bank until June 2018, after which he took charge as the MD & CEO of Ujjivan Financial Services Limited from July 2018 to March 2021. He was also an Additional Director (Non-Executive, Non-Independent) of the bank from March 13, 2021 till July 23, 2021. Mr. Ittira Davis is a graduate from the Indian Institute of Management, Ahmedabad (1976).
Carol Furtado is the Chief Business Officer of Ujjivan Small Finance Bank. A prominent face of women in banking, she comes with 26+ years of banking experience in Retail Banking and NBFC domains with expertise in leading Business, Banking operations, Credit and People functions. 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, Carol was the recipient of the Financial Women’s Association award by Women’s World Banking in recognition of her demonstrated professional commitment. Carol 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.
Martin is the Chief Operating Officer of Ujjivan Small Finance Bank. He comes with over 25 years of experience covering Retail Banking operations, Retail Asset and Micro-finance Operations, with expertise in set-up and implementation of new processes. More importantly, he’s known for leveraging technology for operations innovation to create delightful customer experiences. After early stints with ANZ Grindlays Bank and Bank Muscat, he predominantly worked in the space of Operations and Customer Service at the Centurion Bank of Punjab , Centillion Solutions & Services. He joined Ujjivan Financial Services Ltd in 2009 as Regional Operations Manager, before taking charge as the Head of Operations, a post he held until January 2017. Consequently, he was appointed as Head of Operations of Ujjivan SFB in February 2017, where he channelled his vast experience in setting up the Operations vertical for the bank. Martin is a Computer Science Graduate from St. Joseph’s College of Arts & Sciences, Bangalore.
Arunava Banerjee was appointed the Chief Risk Officer of Ujjivan SFB on February 1, 2017. He has previously worked with the State Bank of India, Standard Chartered Bank and Bahraini Saudi Bank. He was also the previous Chief Financial Officer of Remza Investment Company WLL. He holds a Master’s degree in Arts (Economics) from Calcutta University and is an associate of the Indian Institute of Bankers.
Ramesh Murthy is the Chief Financial Officer at Ujjivan Small Finance Bank. He is a Chartered Accountant and has completed the General Management Program from Harvard Business School, Boston, USA. He comes with 30 years of experience in Business, Risk Management, and Finance. Mr. Murthy has headed several key positions, such as Managing Director and Head of - Project & Structured Finance Division, Corporate & Investment Banking Group, Senior Vice President and Head - Credit Analysis & Portfolio Management, including Senior Vice President - Risk Management and Head of Wholesale Risk, among other roles in organizations like ANZ Grindlays Bank, Mashreqbank Dubai and Commercial Bank International PSC, Dubai. He was last associated with Karur Vysya Bank as the Chief Risk Officer from 2018 and as the Chief Finance Officer from 2020 to 2022 before his appointment at Ujjivan SFB.
Ashish Goel is the Chief Credit Officer of our Bank. He holds a bachelor of technology degree in Mechanical Engineering from Regional Engineering College, Kurukshetra and is a post graduate in Marketing & Finance from Xavier Institute of Management, Bhubaneswar. He was previously employed at Godrej & Boyce, Marico Industries and ICICI Bank. He joined Ujjivan as Chief Credit Officer in February 2021.
Rajeev Pawar joined as the Head of Treasury on January 20, 2020. He has previously worked with American Express Bank, Standard Chartered Bank, Kotak Mahindra Bank and Edelweiss Finance in India, Singapore and Dubai. He is an MBA from the Jamnalal Bajaj Institute of Management Studies, Mumbai and a Physics Major from the University of Mumbai.
Brajesh Joseph Cherian is a banking and financial services professional with over 20 years of experience in Compliance, Operational Risk, Corporate Banking, Retail Banking and Treasury. Starting his career with the South Indian Bank ,he later on worked with Axis Bank in India and UAE where he handled various roles including Deputy CEO for Dubai Operations. Before joining Ujjivan in 2016, his last assignment was as Vice President - Compliance and Risk with Axis Bank, Mumbai. He holds a Bachelor’s degree in Pharmacy from Dr MGR Medical University and a Master’s degree in Business Administration from SMU. He is a Certified Associate of Indian institute of Bankers.
He is a qualified Company Secretary from the Institute of Company Secretaries of India and holds a bachelor’s degree in Law and a Diploma in Business Management. He also received NSE's Certification in Financial Markets (NCFM) for Compliance Officer (Corporate) Module. He has a corporate and investment banking experience of over 18 years and his last employment was with Ujjivan Financial Services Limited where he was last designated as the CEO & Company Secretary.
Sathyananda Prabhu is the Head of Audit at Ujjivan Small Finance Bank. He comes with over four decades of experience in Internal Audit, Banking Operations and Information Technology, in addition to Risk Management and IS Audit. Mr. Prabhu is a B. Com LLB Graduate with a range of certifications in Information Technology, Information Security and Auditing. He started his career with Canara Bank in 1983, and eventually went on to head the IT Department and Information Security Auditing, a position he held until 2007. He later joined AUDITime Information Systems (I) Ltd as the Vice President heading the IT Governance from 2007 to 2009. Soon after, he headed the Internal Audit, Fraud Reporting and Vigilance functions as a Senior Vice President at Lakshmi Vilas Bank from 2009 to 2016. This was followed by a key stint as the Executive Vice President at Equitas Small Finance Bank, before taking charge as the Head of Audit at Ujjivan SFB.
Chandralekha joined Ujjivan in Apr, 2008 as part of the institution’s first batch of Management Trainees. Since then she has been instrumental in setting up and handling various positions across the organization. She was instrumental in setting up of the Credit function in the Eastern region for the organization. She has then worked in the Western region in Credit Microbanking team as Regional Credit Manager before moving as the Regional HR Manager for the same region. Post that she has managed the role of National Manager for Talent Acquisition and integration in HR. She holds a Law degree from Symbiosis School of Law and PG certificate in Human Resources from XLRI, Jamshedpur.
I have been very fortunate to join Ujjivan as my first-ever corporate exposure. The spirit of One Bank One Ujjivan brings together all the departments and this exceptional motivation to work as a team drives me to work as a team with my fellows and accomplish new milestones each day..
Nitin Sharma
Cluster Manager Housing
Even after facing 2 big crises in last four years, not only we have been able to remain stable and function in the face of disruption & chaos, but also have converted ourselves form MFI to bank, have learnt to remain balanced and bounced back with more strength from hard times.
Prakhar Kumar Pandey
Area Manager, Microbanking
Since inception, Ujjivan has always paid attention to have balanced gender ratio. We have women in all departments and their presence is in all the roles across the organization. We feel respected, motivated and inspired while working with Ujjivan.
Prerna Padwal
Regional Manager, Service Quality
Employee first is the core of Ujjivan. We built Ujjivan brand first with our people. The senior management’s strategy has allowed us to position our team to learn more, do more and be more. We believe in hiring and training best employees, we invest in employees.
Sahil Gaba
Regional Business Manager North Microbanking
Ujjivan is a flat organization. Here you get chance to interact with senior leaders frequently. It helps you build your horizon and develop your thought process. If you want to build your career this is the place to be in.
Rishu Kumar
National Product Manager-Housing Loans
I joined Ujjivan as Financial Analyst in 2016 in regional team gaining professional knowledge and exposure to business and strategy. Later, through IJP I moved to Corporate Office in a Project Management role handling branch launch. Further, I moved into a role of Product Management in 2020. These IJP opportunities have provided lot of cross functional exposure and helped me immensely to grow personally and professionally.
Gaurav Sah
Manager PMO
Starting as a Management Trainee in 2017, I have worked in multiple roles - from sales to business strategy. Each assignment given to me did come with challenges, but that is specifically where the real learning began and contributed to my professional expertise. I have had the good fortune of having some really smart and experienced professionals as supervisors, peers. It’s been almost five years now and the journey so far has been nothing short of rewarding, enriching and fulfilling!
Sampad Acharya
Manager, MSE Product
Thank You
Please Wait...