Ittira Davis

Managing Director & Chief Executive Officer

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

Chief Business Officer

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 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.

Arunava Banerjee

Chief Risk Officer

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.

Mocherla Durga Ramesh Murthy

Chief Financial Officer

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

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.

Brajesh Joseph Cherian

Chief Compliance Officer

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.

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.

Sathyananda S Prabhu

Head of Audit

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 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.