Who We Are
Building Financial Strength
Our expanding pan-India network ensures we're deeply embedded within the communities we serve. We prioritize understanding their unique financial needs and aspirations, fostering partnerships to build a strong foundation of shared economic growth. Our commitment to these communities drives our delivery of tailored financial solutions.
Where We Belong
The Heart of Opportunities
With a growing pan-India presence, we are an integral part of the communities we serve. We believe in understanding their unique needs and aspirations and working together to build a strong foundation of shared value. Our commitment to these communities is at the heart of everything we do.
How We Work
Opportunities With Collaboration
We foster a collaborative and inclusive work environment where every employee is valued and empowered. Through teamwork, mentorship, and continuous learning, we create a culture where individual growth contributes to shared success and the creation of lasting value for all stakeholders.
The People Behind Our Values
Sanjeev Nautiyal
Managing Director & Chief Executive Officer
Carol Furtado
Whole-Time Executive Director
Chandralekha Chaudhuri
Head of Human Resources
Martin Pampilly
Chief Operating Officer
Sadananda Balakrishna Kamath
Chief Financial Officer
Rajeev Pawar
Head of Treasury
Sanjeev Barnwal
Company Secretary & Head of Regulatory Framework
Srikumar Vadake Varieth
Chief Legal Officer
Ashish Goel
Chief Credit Officer
Brajesh Joseph Cherian
Chief Risk Officer
Mangesh Ramesh Mahale
Chief Technology Officer
Lakshman Velayutham
Chief Marketing Officer
John Christy A
Chief Vigilance Officer
Rajaneesh Hosakoppa Rudresha
Chief Compliance Officer
Vibhas Chandra
Business Head – Micro Banking
Hitendra Nath Jha
Head Retail Liabilities and TASC
Pradeep B
Business Head-Housing Loans and Micro Mortgages
Ashim Sarkar
Business Head-MSME
Premkumar G
Business Head-Vehicle Finance
Parag Kumar Srivastava
Head of Financial Institutions and Government Banking Group
Murali Chari
Business Head-Agriculture Banking
Ayan Sarkar
Head Of Operations
Arnabjeet Banerjee
Head-Alliance and Electronic Payments
Suresha C
Head of Customer Experience
Vijayesh Kumar Pandey
Head of Admin and Infrastructure
Ujjivan’s Journey
Foundation & Early Growth
(2004–2014)
- Incorporated as Ujjivan Financial Services Pvt. Ltd. [USFL] and registered as an NBFC
- Expanded operations across India, reaching 100,000 active customers
- Became a founding member of the Association of Karnataka Micro Finance Institutions (AKMFI)
- Emerged as India's largest Microfinance Institution, spanning 24 states and 273 districts
Transition to a Small Finance
(2015–2017)
- Received in-principle approval and banking license from the RBI
- Successfully transferred USFL’s business to Ujjivan Small Finance Bank (USFB)
- Launched banking operations with five branches in Bengaluru, integrating technology with handheld devices for field operations
Public Listing & Market Leadership
(2018–2022)
- Became the first Small Finance Bank to serve as a registrar for Aadhaar enrolment
- Launched a highly successful IPO, oversubscribed 170 times, making it the most successful IPO of 2019 in BFS
- Achieved the highest growth in deposits and loan portfolio
- Pioneered an ‘Emotional Wellness’ program for employees and their families
Employee-Centric Initiatives & Resilience
(2020–2023)
- Ensured a layoff-proof workforce throughout the COVID-19 pandemic
- Conducted vaccination drives and introduced financial support for families of deceased employees
- Established a nationwide Quick Response Team (QRT) to assist employees
- Launched India’s 1st Voice-Visual-Vernacular Banking app, "Hello Ujjivan
Strategic Growth & Transformation
(2024–Present)
- Successfully completed the reverse merger with Ujjivan Financial Services Ltd (USFL), streamlining operations and enhancing financial stability
- Best SFB by Business Today. Highest Turnaround since Inception
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