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MANAGEMENT TEAM

Nitin Chugh

Managing Director & CEO

Nitin Chugh was appointed the Managing Director and Chief Executive Officer of Ujjivan SFB on December 1, 2019. Before joining Ujjivan SFB, he has had successful stints with HDFC Bank Ltd, Standard Chartered Bank, HCL, Hewlett Packard Limited and Modi Xerox Ltd. He holds a Bachelor’s degree in Technology (Electrical Engineering) from Kurukshetra University and a professional diploma in Marketing Management from All India Management Association.

Upma Goel

Chief Financial Officer

Upma Goel joined the bank as the Chief Financial Officer on February 1, 2017. She is a Chartered Accountant with the Institute of Chartered Accountants of India. She previously worked with L&T Finance Holdings Ltd., Ujjivan Financial Services Ltd. and Escorts Securities Ltd.

Carol Furtado

Head of Operations and Service Quality

Carol Furtado was appointed the Head Operations and Service Quality of Ujjivan SFB on April 16, 2020. She joined the bank way back in 2005 and has held many important positions in both the erstwhile microfinance institution and the bank since joining. She has previously worked with ANZ Grindlays Bank, Bank Muscat SAOG and Centurion Bank Ltd. In 2009, Women’s World Banking awarded her the Financial Women’s Association award for recognition of her demonstrated professional commitment. She holds a Bachelor’s degree in Science from Bangalore University and a Postgraduate Diploma in Business Administration from Mount Carmel Institute of Management.

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.

Rajat Kumar Singh

Business Head of MicroBanking and Rural Banking

Rajat Singh is the Business Head – MicroBanking and Rural Banking of Ujjivan SFB. He has a Bachelor’s degree in Technology (Agricultural and Food Engineering) from the Indian Institute of Technology, Kharagpur. He joined Ujjivan Financial Services Limited in 2007 as a financial analyst. He was appointed the Head of Strategy and Planning on February 1, 2017. Subsequently, he was redesignated as the Head of MicroBanking and Rural Banking on February 21, 2019.

Kalyanaraman M

Chief Credit Officer

Kalyanaraman M was appointed as the Chief Credit Officer of Ujjivan SFB on September 16, 2019. He holds a BE (Hons) Electrical & Electronics Engineering degree from Regional Engineering College, Tiruchi and Master of Business Administration (Finance Systems) from the Indian Institute of Management, Calcutta. Before joining Ujjivan SFB, he has worked with SRF Finance Ltd, IIT Investrust Limited, Infrastructure Leasing & Financial Services Ltd, Citibank India, Cholamandalam DBS Finance Ltd, TVS Credit Services and Equitas Small Finance Bank Ltd.

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.

Venkat Krishnan V

Chief Technology Officer

Venkat Krishnan joined as the Chief Technology Officer on June 11, 2020. Previously he has worked with, Utkarsh Small Finance Bank as Chief Technology Officer and was responsible for building and managing their core banking systems. His experience extends across working with organisations like ABK, ET Life, Yes Bank, Dhanalaxmi Bank, HSBC India, Reliance General Insurance, Satyam Computers, ICICI Bank and GTL Ltd. He has a Bachelor’s Degree in Science from SIES College, Mumbai University and has completed his Master of Computer Application from the Government College of Engineering in 1999.

Shrinivas Murty

Head of Liabilities

Shrinivas Murty joined as the Head of Liabilities on April 18, 2020. He is a Certified Associate of Indian Institute of Bankers. Before joining Ujjivan SFB, he was the Executive Vice President - Bandhan Bank, and managed the branch banking vertical. In the past, he has also worked with Bank of India, ICICI Bank and HDFC Bank. He brings with him vast business experience in strategies and models that spans across retail, SME, agri, micro-finance sales, operations, and compliance in the banking industry. Shrinivas holds a Bachelor’s and Master’s degree in Science from Pt. Ravishankar Shukla University and a PGDBM from MDI, Gurugram.

Chanchal Kumar

Company Secretary and Compliance Officer

Chanchal Kumar joined Ujjivan SFB as the Company Secretary and Compliance Officer on March 24, 2018. He has previously worked with Yes Bank, GE Capital Services India, ICICI Bank Ltd and Anand Corporate Services Ltd. Chanchal holds a Bachelor’s degree in Commerce from Delhi University. He is Chartered Accountant with the Institute of Chartered Accountants of India and a Company Secretary with the Institute of Company Secretaries of India. He is a certified associate of the Indian Institute of Banking and Finance.

Sanjay Kao

Head of Human Resources

Sanjay Kao joined Ujjivan SFB as the Chief Business Officer on February 12, 2018 and has been appointed as the Head of Human Resources with effect from April 16, 2020. Before joining Ujjivan SFB, he has worked with Lipton India Limited, Dunia Finance LLC, Citibank, NA and ABN AMRO Bank, NV. He holds Bachelor’s degree in Technology (Chemical Engineering) from the Banaras Hindu University and a Postgraduate Diploma in Management from the Indian Institute of Management, Calcutta.

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