Qualification: She is a postgraduate from Mount Carmel Institute of Management, Bangalore, and has been part of strategic leadership programmes conducted by Indian Institute of Management, Ahmedabad and Harvard Business School, Boston.

Ms. Carol Furtado brings nearly 30 years of experience in Retail Banking and the NBFC sector, with a strong track record across business leadership, banking operations, credit management, people strategy and service excellence. As a core member of the Ujjivan Small Finance Bank’s founding leadership team, she played a pivotal role in establishing the bank’s foundation and culture. Her efforts were instrumental in the Bank being recognised as a certified Great Place to Work. Her previous experience includes key roles with the ANZ Group, Bank Muscat and Centurion Bank Ltd. In 2009, she was a recipient of the Financial Women’s Association award by Women’s World Banking for her exemplary professional commitment.

Qualification: Mr. Sadananda is a qualified Chartered Accountant (ACA) and Company Secretary (ACS), holds a Bachelor of Commerce (B.Com) degree.

With over 32 years of extensive experience in the Banking, Financial Services, and Insurance (BFSI), Hospitality, and Fast-Moving Consumer Goods (FMCG) sectors, he has made significant contributions to leading organisations across diverse industries. His key areas of expertise include Corporate Finance and Corporate Governance. He has an impressive background, having worked for 27 years with the Tata Group in notable roles within Tata Consumer Products (12 years), Indian Hotels Ltd (7 years), and Tata Capital Housing Finance Ltd (7 years). He also spent 5 years at Credit Access Grameen Ltd, recognised as the largest Non-Banking Financial Company (NBFC) Microfinance Institution (MFI).

Throughout his career, Sadananda has achieved notable recognition, including the prestigious "CFO of the Year" award in the NBFC sector from Assocham in 2024. He is also an All India Rank holder in CA, underscoring his commitment to excellence and professionalism in the finance domain.

Qualifications: He holds a Bachelor of Technology degree in Mechanical Engineering from the Regional Engineering College, Kurukshetra, and a postgraduate degree in Marketing and Finance from the Xavier Institute of Management, Bhubaneswar.

Mr. Ashish Goel brings with him valuable experience from his previous roles at esteemed organisations such as Godrej & Boyce, Marico Ltd, and ICICI Bank Ltd. In February 2021, he joined Ujjivan as the Chief Credit Officer, bringing his extensive expertise to the organisation.

Qualification: He holds a graduate degree in Computer Science, COO Certified from IIM Lucknow. Additionally, he is certified in the Strategic Leadership Development programme from Harvard University.

Mr. Martin brings over 28 years of experience in Retail Banking Operations, Customer Experience, Sustainable Banking and Micro-finance. Instrumental in automation of back office functions by harnessing technology to drive operational efficiency and enhance customer experience. After early stints with ANZ Grindlays Bank and Bank Muscat, he gained extensive experience in Operations and Customer Service at Centurion Bank of Punjab and Centillion Solutions & Services. In 2009, he joined Ujjivan Financial Services Limited as the Head of Operations, a role he held until January 2017. He then became the Head of Operations at Ujjivan Small Finance Bank in February 2017, where he utilised his extensive expertise to establish the bank's back-office operations. Currently, as Chief Operating Officer, he oversees Operations, Centralised Process Management, Service Quality, Digital Banking, Business Solutions Group, Data Analytics, Social Services, Alliances and Electronic Banking department.

Qualification: Mr. Rajaneesh holds an MA in English from the University of Mysore.

He is a seasoned banker with over 28 years of experience, having worked for some of India’s leading multinational and private sector banks before joining Ujjivan SFB. Throughout his career, he has taken on a diversified role, including positions in credit cards, collections, retail branch banking, retail operations, trade finance, operational risk management, audit, process re-engineering, and operations control, as well as training. He joined Ujjivan Financial Services Limited in July 2016 and moved to Ujjivan SFB in February 2017, initially serving as Regional Manager for Branch Operations and later as National Manager for Regional Processing Units, Head of Operations, before assuming the critical role of Chief Compliance Officer. Prior to his tenure at Ujjivan SFB, he worked with prominent banks in India, including ANZ Grindlays Bank, ICICI Bank, Deutsche Bank, ING Vysya Bank, and Kotak Mahindra Bank.

Qualifications: Mr. Brajesh earned his Bachelor's degree in Pharmacy from Dr. MGR Medical University and a Master's degree in Business Administration from Sikkim Manipal University. Furthermore, he is a Certified Associate of the Indian Institute of Bankers and has completed a strategic leadership programme at Wharton Business School, USA.

He is a highly experienced professional in the banking and financial services industry, with over 24 years of specialisation in Risk Management, Regulatory Compliance, Corporate Banking, Retail Banking, SME Credit, Trade Finance, and Treasury. He began his career with South Indian Bank and subsequently worked at Axis Bank in India and the UAE, where he took on various positions, including Deputy CEO of Dubai Operations. His career reflects a transition from traditional compliance to a progressive, data-driven perspective on risk management. At Ujjivan, he has been a strong advocate for utilising risk analytics, statistical models, and scorecards, integrating these tools into the bank's risk framework. Before joining Ujjivan in 2016, he held the position of Vice President of Compliance and Risk at Axis Bank in Mumbai, where he effectively merged compliance measures with broader risk initiatives, solidifying his reputation as a key leader in promoting a culture of risk awareness and governance in dynamic financial settings.

Qualifications: Ms. Chandralekha holds a Law degree from Symbiosis School of Law and a Postgraduate Certificate in Human Resources from XLRI, Jamshedpur.

She joined Ujjivan in April 2008 as part of the organisation’s inaugural batch of management trainees. Over the years, she has played a crucial role in establishing and managing various functions within the organisation. Notably, she was responsible for setting up the Credit function in the Eastern region. Subsequently, she served as the Regional Credit Manager for the Credit MicroBanking team in the Western region before transitioning to the role of Regional HR Manager for the same area. She has worked as the National Manager for Talent Acquisition and Integration in HR. In 2022, she assumed the position of Head of Human Resources.

Qualification: Mangesh completed his Bachelor of Engineering in Computer Technology from VJTI, Mumbai.

With 28 years of experience in Strategic and Operational IT Planning, IT Infrastructure Management, Data Center Management, Application Development, Stakeholder Management, Digital Transformations, IT Service Delivery Management, and Technology Leadership, he brings a wealth of expertise to the role. Prior to this, he was the Chief Information Security Officer at the National Stock Exchange Clearing Limited, where he oversaw the Cyber and Information Security programme.

Mangesh has also worked with prominent institutions such as Union Bank of India, Oriental Bank of Commerce, State Bank of India, and Rolta India Limited, where he led initiatives across Digital Channels, Payment Systems Management, IT Infrastructure Management, IT Security Operations, IT Projects Migration, and IT Amalgamation.

Qualifications: MBA from Jamnalal Bajaj Institute of Management Studies, Mumbai; Bachelor’s Degree in Science (Physics) from the University of Mumbai.

Mr. Rajeev Pawar serves as the Head of Treasury at the Bank, bringing over 30 years of international banking and treasury expertise. He has established and managed treasury operations in Singapore, Dubai, and India. His notable positions include Head of Fixed Income at Kotak Mahindra International Ltd. in Singapore, Director of Rates and Credit Trading at Standard Chartered Bank in Dubai, and Director and Head of Trading at American Express Bank in India. Additionally, Mr. Pawar is an active writer and commentator on financial markets, and he serves as a member of the Board of Studies for colleges affiliated with the University of Mumbai.

Qualification: Hitendra Jha holds an impressive educational background, featuring a B.Sc.(H) and an LLB from Saurashtra University, as well as advanced qualifications from leading institutions, including the Senior Management Programme at IIM Ahmedabad and the Quantum Leadership Programme at ISB Hyderabad.

With 29 years of extensive experience in the banking and custodial services sectors, he has developed deep expertise in areas such as branch banking, direct sales, and wealth management. He has made significant contributions by transforming struggling divisions into profitable entities. He has played a vital role in establishing branches for Kotak and ICICI Bank across Gujarat, East, UP, and Central India, successfully turning loss-making regions into profitable operations. His outstanding track record is recognised nationally, highlighted by numerous awards, including the Excellence Award from the Rural Marketing Association of India in 2024, showcasing his commitment to excellence in every aspect of his work.

Qualification: Mr. Vibhas holds an MBA (PGDM-RM) from the Xavier Institute of Management Bhubaneswar (XIMB).

With 17 years of diverse experience at Ujjivan, Mr. Vibhas Chandra has held various roles and managed operations across different regions of the country. He began his career as part of Ujjivan’s inaugural Management Trainee batch, where he was tasked with launching Ujjivan’s micro-finance initiatives in several states during its formative years. Subsequently, he was selected to spearhead the establishment of their individual lending programme, successfully developing a substantial portfolio. As the leader of Ujjivan SFB’s East region, he played a vital role in the bank’s transition to a Small Finance Bank. Prior to his current role as Head of MicroBanking, he focused on developing the asset product suite for MicroBanking, Rural Banking, and Gold Loans.

Qualification: Pradeep possesses Strategic Leadership Certification from Harvard Business School; Business Leadership Certification from IIMC; and a Master's in Social Work from SDM Institute, Mangalore University.

With over 19 years of diverse experience in the BFSI sector, Mr. Pradeep has climbed the ranks at Ujjivan, progressing from Branch Head to Head of Housing & Micro-Mortgages. His expertise is in establishing new business lines for the Bank and driving profitability through the development of a strong team. He has successfully expanded the Bank's Asset Businesses into various new regions across the country. Notably, he played a key role in launching the micro-financing segment in the southern region of India. Throughout his career, he has adeptly navigated multiple roles and verticals within the Bank, including Individual Lending, Rural Banking, Micro-Mortgages, and Affordable Housing. This journey has sharpened his skills in strategising, leading teams, and implementing impactful initiatives that enhance both the organisation and the communities we serve.

He has also led the Regional Leadership Team for the South, guiding teams through various crisis situations. Additionally, he has served on the Board of the Kerala Association of Micro Finance Institutions and is currently a Board Member of the Association of Karnataka Micro Finance Institutions.

Qualification: Mr. Srivastava holds an MBA with a specialisation in Marketing and Finance from MONIRBA (Motilal Nehru Institute of Research & Business Administration) at the University of Allahabad.

With 32 years of extensive experience in Wholesale Banking, Financial Institutions, and Government Banking sectors, he has adeptly managed various roles, including overseeing profitable business verticals and critical support functions such as product development, portfolio quality, credit, and risk management.

Prior to joining Ujjivan, he spent 11 years at Kotak Mahindra Bank, where he served as Senior Vice President and National Manager. In this role, he led the Capital Market and NBFC business segments within the Banking and Financial Institutions Group, forging strong industry relationships. Additionally, during his tenure as Associate Vice President at MCX Ltd, he was responsible for business development across Maharashtra, Uttar Pradesh, and Bihar. Mr. Srivastava also worked with SHCIL (Stock Holding Corporation of India Ltd) for 12 years, where he held various positions focused on business and product development tailored for institutions and capital market players, managing aspects of custody business, exchange clearing and settlement functions, and depository business.

Qualification: Mr. Ashim holds an MBA in General Management from the Indian Institute of Management, Ahmedabad, and a B.Tech in Manufacturing Engineering from the Indian Institute of Technology, Kharagpur.

He joined Ujjivan SFB in 2018 as the National Product Manager for MSME and has played a crucial role in establishing this vertical from its inception, leading to his subsequent promotion to a Business Leadership role. During his tenure, Ujjivan SFB expanded its MSME offerings beyond Term Loans, which significantly strengthened its working capital franchise through both internal channels and strategic partnerships with esteemed fintech firms.

Prior to joining Ujjivan SFB, he spent over five years at Kotak Mahindra Bank, where he worked within the MSME Product function. Additionally, he was a key member of the strategic integration team formed for the merger between Kotak Mahindra Bank and ING Vysya Bank in 2014-15.

Qualification: Mr. Premkumar holds a degree in Commerce and is a member of the International Facility Management Association (IFMA). He currently leads the Vehicle Finance business vertical.

With over 27 years of diverse experience encompassing law, clinical research, and banking, Premkumar joined Ujjivan in 2006, initially heading the administration department. He played a crucial role in establishing the Vigilance department, emphasising preventive vigilance. He also briefly served as the Head of Human Resources during Ujjivan’s transition from a Non-Banking Financial Company (NBFC) to a Small Finance Bank (SFB). Before taking on his current role, Premkumar was appointed as Head of Administration, Infrastructure, and Social Services.

Qualification: Mr. Murali holds a Post Graduate Diploma in Business Administration (PG DBA) from Symbiosis, along with a CAIIB qualification and a Bachelor of Commerce (B.Com) degree.

He is an experienced banker with over 28 years in sales and product management, specialising in rural banking, agriculture, rural SMEs, and vehicle finance.

He spent 17 years at HDFC Bank, where his last role was as Regional Head for South Retail Agri Lending, also overseeing the Unsecured Supply Chain Finance product. His various responsibilities included scaling up the rural lending business and generating liability and asset business through business correspondents in unbanked regions, as well as managing retail assets. He began his career at Sundaram Finance, where he advanced to manage a branch location as a profit centre, focusing on commercial vehicles, auto loans, equipment loans, and generating Fixed Deposits.

Qualification: Mr. Ayan holds a B. Com and a Post Graduate Diploma in Computer Application, equipping him with a solid educational foundation that complements his extensive industry experience.

With 23 years in the banking sector, Ayan has honed his skills in Customer Service, Retail Banking Operations, and Process Management. He is recognised for his expertise in process standardisation, client engagement, and risk management, consistently demonstrating a commitment to operational excellence.

Throughout his career, Ayan has played pivotal roles in renowned financial institutions such as Standard Chartered Bank, ICICI Bank, HSBC, Indusind Bank, and Bandhan Bank. Noteworthy accomplishments include being a certified trainer on Aadhaar compliance in banking, participating in the core team for implementing Core Banking at Indusind Bank, and contributing to the foundational setup of banking operations at Bandhan Bank. His achievements in process management and client engagement have garnered him recognition and accolades, particularly at ICICI Bank and Indusind Bank.

Qualification: Mr. Srikumar possesses a B.Sc. degree in Physics, an LLB degree, and a certification in Web-Centric Computing from NIIT Mumbai.

He brings over 30 years of experience in legal matters. He has practiced as an Advocate in Civil and Criminal Courts as well as the High Court, gaining substantial legal expertise prior to starting his career in banking. In his 17 years at Bank of Baroda, he made significant contributions in various roles, including, being instrumental in establishing the first Debt Recovery Tribunal and serving as a Committee Member with the RBI for amending the RDDB Act.

At ING Vysya Bank, he played a crucial role in successfully completing the legal integration between ING Vysya Bank and Kotak Mahindra Bank. Following this, he took on the position of Head of Legal at Bandhan Bank, where he was actively engaged in completing the legal formalities/framework for transforming Bandhan Financial Services into a full-fledged bank.

He has comprehensive experience in documentation related to Wholesale, Retail, SME, and Infrastructure Projects, as well as litigation aspects, and has negotiated contracts with major conglomerates. He joined Ujjivan Small Finance Bank in 2016 and has made significant contributions to its transformation into a full-fledged Bank.

At Ujjivan SFB, he has successfully built an effective legal team at both the Corporate and Regional Offices from the ground up, providing robust support across all business and functional areas.

Qualification: Mr. Lakshman is a postgraduate in Management from IMDR, Pune.

He brings over 29 years of professional experience, with the last 15 years focused on the banking sector. In June 2022, he was recognised as one of the Top 90 Marketing Professionals by StartupLanes. His efforts at Ujjivan SFB contributed to winning a Gold Lion at the Cannes International Festival of Creativity in the Creative Commerce category in 2022, as well as four Effie Awards in 2023.

Throughout his career, he has taken on various marketing roles in Banking, Retail, Telecom, and Logistics. He spent more than a decade at ICICI Bank, where he was responsible for marketing strategy and communication related to Liabilities, Insurance, NRI clients, Wealth, Rural initiatives, and Salary Corporates. His previous roles included significant contributions at Tata Communications, Shoppers Stop, DHL, Arvind Brands, and BPL Mobile, where he played a key role in developing customer acquisition and retention loyalty programmes.

Qualification: Mr. Nitin holds a Bachelor of Technology in Electronics and Communication Engineering, which serves as a strong foundation for his analytical and technical capabilities.

With a robust career spanning 17 years in the banking and finance sector, Nitin brings a wealth of experience and expertise to our organisation. He is recognised for his dynamic leadership style and exceptional ability to build high-performing analytics teams from the ground up. Throughout his career, he has held pivotal roles at major institutions, including Bajaj Finance, Standard Chartered Bank, and Citibank, where he has driven significant advancements in data-driven decision-making and operational efficiency.

Qualification - Mr. Ratan Jyoti, a seasoned expert in information security, holds a Master's degree in Computer Applications and several key certifications including CISA, CISSP, and CDPSE.

With over two decades of strategic and operational expertise in information security, cybersecurity governance, and risk management, Mr. Jyoti has been pivotal in driving secure digital transformation initiatives within the banking sector. He has provided a clear vision and strategic roadmap for enterprise security at Ujjivan, leading the implementation of Security Operations Centers (SOCs), advanced SIEM systems, and cyber resilience frameworks that adhere to regulatory and industry standards. Under his guidance, the Bank has earned numerous accolades for excellence in cyber governance, including being recognised as the Best Bank in IT Risk Management by the Indian Bank's Association for the eighth consecutive year.

Mr. Jyoti's previous roles include CISO and Assistant General Manager at Vijaya Bank, Manager at Corporation Bank, and IT Officer at Oriental Bank of Commerce. His contributions to the field of information security have been widely acknowledged, earning him prestigious awards such as the Cybersecurity Executive Award, CISO of the Year, and the CISO Leadership Award.

Qualification: Bachelor's degree in Arts from CVR University and a certification in Microfinance from the Indian Institute of Banking & Finance (IIBF).

Mr. John Christy joined Ujjivan Bank on November 2, 2005. He has over 24 years of experience and before his time at Ujjivan, he worked with Bank of Muscat and Centurion Bank Ltd. Over his 18-19 years at Ujjivan SFB, he has successfully led and managed various teams in business, operations, human resources and collections before taking on his current role as Chief Vigilance Officer.

Qualifications: Mr. Barnwal is a qualified Company Secretary and an Associate Member of the Institute of Company Secretaries of India. He holds a bachelor's degree in law and a diploma in Business Management, along with the NSE’s Certification in Financial Markets (NCFM) for the Compliance Officer (Corporate) Module.

With over 21 years of corporate experience, he previously worked at Ujjivan Financial Services Limited, where he served as CEO & Company Secretary.

During his tenure at Ujjivan, Mr. Barnwal played a pivotal role in several significant milestones, including raising private equity, managing the IPO and listing processes, applying for and obtaining a banking license, forming the Bank, overseeing a restructuring via slump sale, executing the Bank’s listing, conducting a Qualified Institutional Placement, and successfully completing the reverse merger of the Holding Company with the Bank. His previous experience also includes positions at SMC Capitals Limited, CMC Ltd., and SBEC Sugar Ltd.

Qualification: Mr. Vijayesh holds an MBA (PGDM-RM) from the Xavier Institute of Management, Bhubaneswar (XIMB). He joined Ujjivan in April 2008 as a member of the inaugural batch of Management Trainees.

With 17 years of experience, he has steadily advanced through various roles within the organisation. He played a pivotal part in launching business operations in Jharkhand, Delhi and Uttar Pradesh and successfully managed the Regional Operations Profile in the Northern region. Previously, as the National Manager for the Admin & Infrastructure department, he was key in overseeing the rollout of new branches and led the implementation of over 700 infrastructure projects nationwide. Currently, he serves as the Head of Administration and Infrastructure, where he continues to promote excellence and innovation.

Qualification: Mr. Suresha holds a Master’s Degree in Economics.

With over 23 years of experience, including more than 17 years in the NBFC and banking sectors, he began his career in the health and social development arena as a Research Officer at the National Institute of Mental Health and Neurosciences (NIMHANS). In 2007, he joined Ujjivan Financial Services Limited as a Branch Head and subsequently held various sales roles in the South Zone. He played a pivotal role in establishing the Service Quality department, where he designed and implemented programmes focused on enhancing customer experience, customer care, grievance redressal mechanisms, and client protection. Additionally, he previously led Corporate Social Responsibility (CSR) and Financial Literacy initiatives at Ujjivan SFB. In 2022, he assumed the added responsibility of leading Phone Banking and was instrumental in launching Video Banking services.

Qualification: Mr. Arnabjeet Banerjee holds a Post Graduate Diploma in Marketing from IIMT and a postgraduate degree in Human Resources from Pondicherry University.

He is a seasoned banking professional with over 24 years of experience in the service industry. He has taken on various leadership roles, concentrating on optimising alternative banking platforms through technological advancements. Arnabjeet began his career in the Consumer Electronics sector before transitioning to tackle challenges in the burgeoning field of Financial Inclusion with Drishtee and FINO.

Before joining Ujjivan Small Finance Bank, Arnabjeet served as the Chief Operating Officer at Integra Micro System, where he drove the company’s expansion and sales initiatives. During his time at Ujjivan SFB, he has effectively set up multiple banking channels, including ATMs, debit cards, business correspondence, and digital payments. Notably, he was instrumental in the Bank's transformation from a Non-Banking Financial Company (NBFC) to a Small Finance Bank (SFB).

Under his guidance, the Bank has significantly strengthened its ATM and card network across the nation, providing exceptional banking services within the SFB sector. Currently, he oversees vendor management alongside the ATM, card, and Delivery unit operations at the Bank. Outside of work, Arnabjeet is a cricket enthusiast who is always on the lookout for new challenges.

Qualification: Barun Agarwal is a Chartered Accountant from the Institute of Chartered Accountants of India, having successfully completed his CA in May 2008.

With over 17 years of extensive experience in finance, audit and assurance, compliance, and more, he possesses a strong expertise in a variety of financial functions, including Financial Planning & Analysis, Accounts & Payments, Investor Relations, Taxation, Regulatory Reporting, Procurement, Fund Raising, and Mergers and Acquisitions, as well as Project Automation.

Throughout his career, Barun has played a pivotal role in numerous significant transactions, including the merger of the holding company with the bank, the preparation of the Universal Banking license application, portfolio restructuring with Asset Reconstruction Companies (ARCs), and fund raising through subordinate debentures and securitisation initiatives.

Before joining Ujjivan, Barun spent a decade as a Senior Manager at EY, overseeing end-to-end client management and conducting audits for a diverse range of listed and unlisted companies across various sectors, including healthcare, retail, logistics, IT services, and manufacturing. His comprehensive background and commitment to excellence make him a distinguished leader in the field.

Qualification: Abdul Hameed Chaman, a qualified professional with a Diploma in Electronics and Communication.

Under his leadership, Ujjivan has transformed its technology landscape, implementing 18 software solutions including CRM and core banking systems within just six months. His strategic thinking and strong commercial acumen have been pivotal in maximising ROI from technology investments and ensuring operational excellence in Greenfield projects. Abdul thrives on finding innovative, simple solutions to complex challenges, leveraging technology to enhance customer satisfaction and business outcomes.

An advocate for team growth, he excels at building high-performing teams diverse in skill sets, critical for sustaining organisational capabilities. His vision for technology governance and performance management has set a strong foundation for Ujjivan’s technological advancements.

As a key member of the IT team during Ujjivan's banking transformation, Abdul has played an instrumental role in designing and implementing the bank's datacentre, further reinforcing his dedication to delivering maximum shareholder value and ensuring stability and availability across the organisation.