Mr. Sanjeev Nautiyal

Managing Director & Chief Executive Officer

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.

Carol Furtado

Whole-Time Executive Director

Ms. Carol Furtado is a Whole-Time Executive Director of Ujjivan Small Finance Bank. She comes with 29 years 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.

Martin Pampilly

Chief Operating Officer

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.

Brajesh Joseph Cherian

Chief Risk Officer

Brajesh Cherian, has a total experience of 24 years in the banking domain, 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.

Ashish Goel

Chief Credit Officer

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

Head of Treasury

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.

Rajaneesh Hosakoppa Rudresha

Chief Compliance Officer

Qualification: MA in English from University of Mysore

A career banker with over 27 years of experience; worked for India's premier MNC and private sector banks prior to joining Ujjivan. He has managed diverse roles, having had stints in credit cards, collections, retail branch banking, retail operations, trade finance, operational risk management, audit, process re-engineering, operations control, training etc. He joined Ujjivan in July 2016 and has held the positions of Regional Manager- Branch Operations and National Manager - Regional Processing Units earlier, prior to taking up the key responsibility of Head of Operations.

Sanjeev Barnwal

Company Secretary & Head of Regulatory Framework

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.

Chandralekha Chaudhuri

Head of Human Resources

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.

Pradeep B

Business Head-Housing Loans and Micro Mortgages

Holds a Master’s in Social Work from SDM Institute, Mangalore University

Experienced professional with experience spanning over 17 years in the BFSI sector. Grown through the ranks at Ujjivan from a Branch Head to heading the Affordable Housing & Micro Mortgages business vertical in the Bank. He is proficient in building viable businesses. He has previously served as Head of the Regional Leadership Team and guided cross functional teams during various crisis situations. He has also served on the Boards of the Association of Karnataka Micro-Finance Institutions & Kerala Association of Micro-Finance Institutions.

His journey started with the Micro-Finance business, and later he has been instrumental in starting three business verticals successfully: Individual Lending, Housing Loans, and Micro Mortgages which are the “Next Big Thing” for the Bank.

Ashim Sarkar

Business Head - Micro Small and Medium Enterprise

MBA (General Management) from the Indian Institute of Management, Ahmedabad, B.Tech (Manufacturing Engineering) from the Indian Institute of Technology, Kharagpur

He joined Ujjivan in 2018 as National Product Manager – MSME. He has been instrumental in establishing the vertical since its initial phase and was subsequently elevated to a business leadership role. During his tenure, Ujjivan’s offerings to MSMEs expanded beyond Term Loans and this helped cement a strong working capital franchise through internal channels & strategic alliances with reputed fintech partners.

Prior to joining Ujjivan, he had a 5+ years tenure with Kotak Mahindra Bank working with the MSME Product function.He was also a member of the strategic integration team created for the merger between KMB and ING Vysya Bank in 2014-15.

Mangesh Mahale

Chief Technology Officer

Mr. Mangesh is the Chief Technology Officer of the Bank. He joined us with 27 years of experience in Strategic & Operational IT Planning, IT Infra Management, Data Center Management Application Development, Stakeholder Management, Digital Transformations, IT Service Delivery Management & Technology Leadership

He last held the position of Chief Information Security Officer in National Stock Exchange Clearing Limited, handling Cyber and Information Security program. He was also associated with Union Bank of India, Oriental Bank of Commerce, State Bank of India and Rolta India Limited spearheading all the Digital Channels, Payment Systems Management, IT Infrastructure Management, IT Security Operations, IT Projects Migration and IT Amalgamation.

He is a Technology and business professional with a track record in aiding in building technology set-ups, identifying technology trends, defining processes, controlling risk, collaborating across departments and optimizing resources in multi-location environment for driving IT strategy, business excellence and enhanced customer experience; targeting to express potential in leadership roles in IT Operations, Service Delivery Management.

Vibhas Chandra

Business Head - MicroBanking

Qualification: Vibhas is an MBA graduate (PGDM-RM) from Xavier Institute of Management Bhubaneswar (XIMB).

Vibhas Chandra is an experienced hand in Ujjivan with a career spanning 15 years in multiple roles and managing various geographies. Joining as part of the first Management Trainees batch, Vibhas was entrusted with responsibilities to launch our micro-finance footprint in multiple states in its initial years. He was later hand-picked to establish their individual lending programme, where he successfully built up a sizable portfolio. He led our East region and played a key role in Ujjivan’s transition to a Small Finance Bank. Before being appointed as the Business Head of Micro-banking, he was leading the Asset Products for MicroBanking and Rural Banking.

Premkumar G

Business Head-Vehicle Finance

Currently Heading the Vehicle Finance vertical.

Premkumar G has over 26 years of experience spread over varied fields from law, clinical research and banking.He joined Ujjivan in 2006, led the administration department. He was instrumental in building the Vigilance department, and led with a focus on preventive vigilance. Parallelly, he also set up the Legal unit and managed an active Collections team. He briefly served as the Head of Human Resources during Ujjivan’s transition from an NBFC to a SFB. Prior to his current role Premkumar played a vital role during the transitionary phase as Head of Administration and Infrastructure.

Murali Chari

Business Head - Rural Banking

He is a banker with over 26 years of experience covering sales and product management across rural banking, agriculture, Rural SMEs and Vehicle Finance.

He has worked with HDFC Bank for 17 years, where his last position was Regional Head for South, Retail Agri Lending and managing Unsecured Supply Chain Finance product. His various roles and responsibilities involved scaling up rural lending business; liability & assets business generation through business correspondents in unbanked geographies and managing retail assets. He commenced his career with Sundaram Finance, where he grew on to manage a branch location as a profit centre for the company, with focus on commercial vehicle, auto, equipment loans and generation of Fixed Deposits.

Parag Kumar Srivastava

Head-Financial Institutions & Government Banking Group (FIGB)

Qualification: He has done MBA with specialization in Marketing & Finance from MONIRBA (Motilal Nehru Institute of Research & Business Administration), University of Allahabad.

He has 31 years of rich experience in segments of Banking and Financial Institutions verticals and has managed various roles including managing business verticals profitably as well as other critical aspects like product development, portfolio quality and risk management. His previous roles also involved Clearing & Settlement, Custody, Depository and Exchange functions across different organizations. Prior to Ujjivan, he had a 11 year stint with Kotak Mahindra Bank where his last position was Senior Vice President and National Manager. His role in spearheading Capital Market and NBFC business segments of Banking and Financial Institutions Group, saw him establish strong business relationships in the industry. In his role as Associate Vice President at MCX Ltd, he was heading business development for Maharashtra, UP and Bihar. He has also worked with SHCIL (Stock Holding Corporation of India Ltd) for 12 years in various roles including managing business development and product development designed for Capital Market Intermediaries.

John Christy

Chief Vigilance Officer

Qualification: Bachelor's degree in Arts from CVR University and completed certification in Microfinance from IIBF.

John Christy joined the Bank on November 02,2005. He was working with Bank Muscat and Centurion Bank Ltd. He is associated with Ujjivan over 19+ years, managed different roles in business, operations, collection & RCU

Vijayesh Kumar Pandey

Head of Admin and Infrastructure

Qualification - MBA Graduate (PGDM-RM) from Xavier Institute of Management Bhubaneswar (XIMB).

He joined Ujjivan in Apr, 2008 as part of the first batch of Management Trainees. Since then, he has successfully handled various positions across the organization. He has been responsible for setting up businesses in Jharkhand & UP. He has also managed the Regional Operations Profile in the North. He was instrumental in managing Branch roll-out and successfully led over 700 infrastructure projects nationwide as National Manager for the Admin & Infrastructure department.

Lakshman Velayutham

Chief Marketing Officer

Qualification: Postgraduate in Management from IMDR, Pune.

He has over 28 years of experience, with the last 15 years in the banking industry. He has been counted among the Top 90 Marketing professionals by StartupLanes in June'22. His contribution at Ujjivan earned the brand a Gold Lion at the Cannes International Festival of Creativity in the Creative Commerce category in 2022 and Effies in four categories in 2023. He earlier has held various marketing roles across Banking, Retail, Telecom and Logistics. He was with ICICI Bank for over a decade where he led the marketing strategy and communication for Liabilities, Insurance, NRI, Wealth, Rural, and Salary Corporate. His earlier stints were at Tata Communications, Shoppers Stop, DHL, Arvind Brands and BPL Mobile where he was instrumental in driving customer acquisition and retention-based loyalty programmes.

Srikumar Vadake Varieth

Head of Legal

Qualification: BSC. LLB, Wen Centric Computing from NIIT Mumbai

Srikumar has more than 30 years of experience in handling Legal affairs. He has practised as an Advocate in Civil / Criminal Courts as well as in High Court and has gained considerable legal expertise. He has worked with Bank of Baroda for 17 years. He was instrumental in setting up of the first Debt Recovery Tribunal and also served as a Committee Member in RBI for amending RDDB Act. His stint with ING Vysya Bank saw him play a key role in completing the Legal Integration between ING Vysya Bank and Kotak Mahindra Bank. In his stint with Bandhan Bank, as Head of Legal he was actively involved in the transformation of Bandhan Financial Services into a Bank. He has proficiency in Documentation pertaining to wholesale/Retail/SME/ Infrastructure Projects and Litigation aspects of banks and has negotiated contracts with large conglomerates. He joined Ujjivan in 2016 and has contributed immensely during the transformation of Ujjivan into a Small Finance Bank. At Ujjivan he built up a competent legal team at Regional/Corporate Offices from scratch, which has been supporting all business and functional verticals effectively.

Arnabjeet Banerjee

Head of Alliances and Electronic Payments

Qualification: Post Graduation Diploma in Marketing from IIMT and a PG degree in HR from Pondicherry University.

Arnabjeet Banerjee is a banking professional with experience of over two decades in the service industry and has spearheaded diverse leadership roles with a key focus on optimizing alternate banking platforms through technological enhancement. Arnabjeet spent his early career in the Consumer Electronics, before exploring challenges in the emerging industry of Financial Inclusion with Drishtee and FINO. Prior to joining Ujjivan Small Finance Bank, Arnabjeet led Integra Micro System as the Chief Operating Officer driving expansion and sales for the company. In his current tenure in Ujjivan Small Finance Bank, Arnabjeet has successfully established several banking channels like ATMs, Debit Cards, Business Correspondence, Digital payments, etc. He played a crucial role during the bank's transformational phase from a NBCF to SFB. Under his leadership, the bank has extensively expanded its strong ATM & Card network across the country that offers one of the best banking services in the SFB space. He is currently managing vendor management tracking in addition to ATMs, cards, and the Delivery unit of the bank. A cricket enthusiast and always looks out for new challenges.

Suresha C

Head of Customer Experience

Qualification: Qualification: He holds a Master's Degree in Economics.

He has over 22 years of experience, including more than 16 years in the NFBC/Banking sector. He initially worked in the health and social development space, starting his career as a Research Officer at the National Institute of Mental Health and Neurosciences (NIMHANS). In 2007, he joined Ujjivan Financial Services Ltd. as a Branch Head and held various sales positions in the South Zone. He played a key role in establishing the Service Quality department, designed and implemented programs focused on customer experience, customer care/grievance redressal mechanisms and client protection. He also led CSR and Financial Literacy initiatives at Ujjivan in the past. In 2022, he took on the additional responsibility of leading Phone Banking and instrumental in launching Video Banking services.