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Management Team

The details of the members of our management team are as follows:

Samit Ghosh
Samit Ghosh
Chief Executive Officer and Managing Director
Samit Ghosh founded Ujjivan in 2005 as a pioneer Microfinance institution for the urban poor. Mr Ghosh was a career banker for over 30 years and worked in South Asia and the Middle East. He started his career with Citibank in 1975 and co-pioneered consumer banking in India in 1985. Further he led the launch of retail banking for Standard Chartered Bank in the Middle East and South Asia, and for HDFC Bank in India. His last assignment was as the Chief Executive (India) of Bank Muscat. He holds a Master of Business Administration degree from the Wharton School of Business at the University of Pennsylvania. He has been the past President of Microfinance Institutions Network (MFIN) and the Chairman of Association of Karnataka Microfinance Institutions (AKMI). Presently he is a Board member of Stichting to Promote Women's World Banking Capital Partners L.P.
Ittira Davis
Ittira Davis
Chief Operating Officer and Head of Transition
Ittira Davis heads the transition of Ujjivan's journey from an MFI to an SFB. He is an international banker with over 36 years of Corporate and Investment banking experience having worked extensively in the Middle East and Europe. He was with the Europe Arab Bank during the period July 2008 to October 2012 as its Managing Director – Corporate and Institutional banking and then as an Executive Director of the Europe Arab Bank. He has worked with Citi bank in India and the Arab Bank Group in the Middle East and Europe. Ittira is a graduate from the Indian Institute of Management, Ahmedabad (1976) and has been based in Bangalore since November 2012. He joined Ujjivan in March 2015.
Sudha Suresh
Sudha Suresh
Chief Financial Officer
Sudha Suresh is a Chartered Accountant with a rich corporate career spanning over two decades. She received the 'CFO 100 - Recognition of Excellence' award in 2013. She is also a qualified Cost Accountant and Company Secretary. During her association with Ujjivan, she has been responsible for areas of Strategic Business Planning and Budgetary Controls, Equity Capital and Debt Syndication, Treasury Management, Accounts and Taxation as well as management of Board and regulatory compliances. Recently, she successfully spearheaded Ujjivan's IPO to list the company's shares on BSE and NSE.
Rajat Singh
Rajat Singh
Head - Strategy and Planning
Rajat Singh has been with Ujjivan since 2007. As a financial analyst, his first assignment was to build and expand the organizational Finance function. He was instrumental in developing and implementing organizational budgeting processes and basic business analytics structures. In June 2010, he was appointed as Chief of Staff for the Eastern region, overseeing the regional business and was thereafter promoted to Chief Operating Officer - East in October 2011. In April 2013, he became the Chief Operating Officer - North and is currently heading the Strategy and Planning division. He holds a Bachelor's degree in Agriculture and Food Engineering from the Indian Institute of Technology, Kharagpur.
Carol Furtado
Carol Furtado
Head – Human Resources and Service Quality
Carol Furtado has been with Ujjivan since its inception. Carol has served the organisation in various roles and responsibilities. She was the Chief Operating OfficerSouth, before taking over the current responsibility as the Head of Human Resources and Service Quality. She is a finance professional with over two decades of experience, having worked at ANZ Grindlays and Bank Muscat, where she specialized in modern retail banking operations. In 2009, she won the Financial Women's Association award in recognition of her demonstrated professional commitment from Women's World Bank. She completed her Master's degree in Business Management from the Mount Carmel Institute of Management, Bengaluru.
Vijay Balakrishnan
Vijay Balakrishnan
Chief Marketing Officer
Vijay Balakrishnan has over two decades of Strategic Marketing experience with reputed corporates, including Bharti Airtel and the Tata Group. He joined Ujjivan in November 2015 where he leads the Products and Marketing functions nationally. His executive experience spans leading Mass Marketing roles, Category Creation and National Level brand launches across Fast Moving Consumer Goods, Telecommunications and Early Stage Technology companies. Vijay graduated from the Delhi University and holds a Diploma in Marketing Management from the Times School of Marketing. He was awarded the British Chevening Scholarship to study Leadership and Excellence at the London School of Economics, United Kingdom.
G.Santhosh Kumar
G.Santhosh Kumar
Head – Retail Liabilities, Remittances and Bancassurance Business
G. Santhosh Kumar has 21 years of experience across industries in various parts of the country. In the banking sector, he has worked with ING Vysya, Kotak Bank and ICICI Bank. His last stint was as the Senior Vice President and Head of Branch Banking for Andhra Pradesh and Telangana of ING Vysya in Hyderabad overseeing a network of 77 retail branches. Prior to joining banking he was with Johnson and Johnson. Santhosh is an alumni of the Birla Institute of Technology and has done his MBA from IIM Kozhikode.
S.Aryendra Kumar
S.Aryendra Kumar
Head - Housing and MSE (Medium and Small Enterprise Business)
S. Aryendra Kumar is an Engineering Graduate with a Master's degree in Business Administration. His experience is a blend of business and people management. His experience spreads across mortgage finance business, business analysis and consultancies related to consumer finance in large IT firms in India and abroad. He has over 22 years of professional experience with leading institutions like Vysya Bank, SBI Home Finance Limited, Citibank and Tata Capital Housing Finance Limited. His last assignment was with Tata Capital Housing Finance Limited.
Abhiroop Chatterjee
Abhiroop Chatterjee
Head - Microfinance Business
Abhiroop Chatterjee joined Ujjivan in April 2008 as one among the first batch of Management Trainees. His first assignment was to establish operations in Jharkhand as Area Manager. He was later assigned the role of Distribution Manager in May 2010. In January 2014, he was appointed as the Chief of Staff for the East region. Thereafter, he was promoted to Chief Operating Officer – East region in April 2014, before taking up the current responsibilities of managing the National Group Loans business and Unsecured Individual Loans business. Abhiroop holds a Post Graduate Diploma in Rural Management from the Xavier Institute of Management, Bhubaneswar.
Jolly Zachariah
Jolly Zachariah
Head Of Channels
Jolly Zachariah joined Ujjivan inspired by its mission. He has over 22 years of banking experience with Citigroup, specialising in retail banking where he managed Consumer Banking and Cards businesses of diverse scope and scale across geographies of India, Middle East, Africa, Europe and North America.He has played an important role in establishing Ujjivan's presence in urban Maharashtra and Gujarat as the Chief Operating Officer - West before taking over the current responsibility to manage the Channels division for the proposed SFB.
Martin Pampilly
Martin Pampilly
Head - Operations
Martin Pampilly has over 14 years of experience, with companies such as ANZ Grindlays, Bank Muscat and Centurion Bank. He was a member of the Centralised Operations Unit at Centurion Bank. He joined Ujjivan in 2009 as Regional Operations Manager (South), and managed the successful testing, training and implementation of the core banking project. He has successfully completed the Strategic Leadership Program at Harvard in April 2013. In May 2013, he was promoted as the Chief Operating Officer – East. He is a graduate in Science from Bangalore University.
Alagarsamy P
Alagarsamy A. P.
Head - Audit
Alagarsamy A. P. is a banking and financial services professional with over two decades of experience in Sales, Credit, Risk and Audit. He worked with ICICI Bank for over 8 years in the Retail Assets and Rural Business Group, where he handled various roles. Before joining Ujjivan in 2010, his last assignment was as Assistant Vice President with Fullerton India Credit Company. He was part of the core team which launched their rural business and also handled Audit. He has completed his Master's degree in Business Administration from Osmania University, Hyderabad.
Premkumar G
Premkumar G
Head - Vigilance and Administration
Premkumar G. has over 15 years of experience in senior administration positions at One World Hospital and Paul D'Souza & Associates, a leading law firm. He joined Ujjivan in 2006, and led the administration department. In 2012, he setup the Vigilance department and presently heads the function with a focus on preventive vigilance. He is also a member of the International Facility Management Association.
Arunava Banerjee
Arunava Banerjee
Chief Risk Officer
Arunava Banerjee has over 35 years of experience, primarily in the banking industry. Starting his career with the State Bank of India, later on he worked with Standard Chartered Bank in their Merchant Banking division. He moved to Bahrain in 1996 as the Manager for Corporate banking at the Bahraini Saudi Bank, before making a career shift to work as the Chief Financial Officer with Remza Investment Company W.L.L. He joined Ujjivan in July 2015. He holds a Master's degree in Arts from the University of Kolkata and is an Associate of the Indian Institute of Bankers.
Sneh Thakur
Sneh Thakur
Head - Credit
Sneh Thakur joined Ujjivan in April 2008 with the first batch of Management Trainees. She started as a Corporate Financial Analyst and handled Corporate Finance and Investor Relationships for two years. During this time, she was involved in two rounds of equity fund raising in the Company. In 2011, she was appointed as the Regional Credit Manager (South) overseeing the transition phase of Credit Bureau verifications and compliance to regulatory changes. In April 2013, she was appointed as the Head of Credit. She holds a Post Graduate Diploma in Management from SDM Institute for Management Development, Mysore.
Manish Raj
Manish Raj
Head of Microfinance & Branch Banking (North and West)
Manish Raj heads Ujjivan's operations in the North region. He joined Ujjivan in 2010. His first assignment was as an area manager at Dhanbad, Jharkhand. Thereafter, he was elevated to the role of Regional Vigilance Manager wherein he was part of setting up the Vigilance department in the East. In November 2013, he was appointed to manage the business for NCR and Madhya Pradesh in the North region. In December 2014, he was appointed as the Regional Business Manager- GL, handling group lending business for the North region. He has completed his Post Graduate Diploma in Rural Management from the Xavier Institute of Management, Bhubaneswar.
Pradeep B
Pradeep B
Regional Business Manager - MSE and Housing (South)
Pradeep B. heads Ujjivan's operations in the South region in addition to his responsibility of building the Housing and MSE portfolio for the region. He started his career in 2006 as a Branch Manager at White Field branch. When Ujjivan started its expansion, he set up the operations in north Karnataka. In November 2010, he was assigned the responsibility of managing the business of Bangalore, Tamil Nadu and Kerala as the Distribution Manager. In 2013, he was elevated to the role of Regional Business Manager (South) overseeing and setting up Individual lending (IL) business. He holds a Post Graduate Diploma in Social Work from SDM Institute Ujire (Mangalore).
Vibhas Chandra
Vibhas Chandra
Regional Business Manager - Microfinance (East)
Vibhas Chandra heads Ujjivan's operations in the East region. He joined Ujjivan as a Management Trainee in the year 2008 after completing his PGDM from the Xavier Institute of Management, Bhubaneswar. After a brief stint in Karnataka, his first assignment was to launch te operations in Bihar, ground up. After successfully establishing operations in the state, he was elevated to the role of Distribution Manager for Bihar and Jharkhand. Later in 2013, he was given a strategic assignment to set up Individual Loan business vertical in the East as Regional Business Manager – Individual Lending.
Vikram Shingade
Vikram Shingade
Regional Business Manager - Microfinance (West)
Vikram Shingade heads Ujjivan's operations in the West region. He joined Ujjivan in 2010. He started his first assignment with Pune city and later on managed the Rest of Maharashtra. He is currently handling the entire Unsecured vertical for the West Region. Prior to this he worked with ICICI Bank's Rural Micro Banking and Agri Business Group. Post that he worked with Fullerton India and later on, with Paras Capfin Co. Pvt. Ltd as a Credit Head. Vikram holds a Master's degree in Business Management with a specializtaion in Marketing and Finance from the Shivaji University, Maharashtra.
Sanjeev Barnwal
Sanjeev Barnwal
Company Secretary and Compliance Officer
Sanjeev Barnwal is a qualified Company Secretary from the Institute of Company Secretaries of India and holds a Bachelor's degree in Law. He also received NSE's Certification in Financial Markets (NCFM) for Compliance Officer (Corporate) Module. He has a corporate experience of over 12 years and prior to joining Ujjivan, he worked with SMC Capitals Limited as Associate Vice President and Company Secretary. He has also worked with companies like CMC Limited and SBEC Sugar Limited previously.
Hiren Shah
Hiren Shah
Head - Investor Relations
Hiren Shah joined Ujjivan in August 2015 and was one among the key persons to successfully lead Ujjivan's IPO. He has over 17 years of consolidated experience as a Business Journalist, Investment Banker and Investor Relations Advisor to many leading corporates, both Indian and international. His expertise includes strategic planning and execution of financial deals including IPOs, PE/Pvt. Placements, Mergers and Acquisitions, Rights Issue, FPO and Investor Relations. He holds a Master's degree in Finance from the Jamnalal Bajaj Institute of Management Studies, Mumbai.
Subramanian Ravi
Subramanian Ravi
Head - Treasury
Subramanian Ravi has over thirty three years of experience in the domain of treasury. He was a gold medalist in B.Sc (Maths) from the University of Madras, after which he did his Post Graduation in Public Policy. Prior to assuming his current role, he worked as a freelance consultant and trainer. He is an internationally certified instructor for teaching ACI suite of exams Level I and II and provides training services to government agencies, multinationals, public and private-sector banks, and multinational software companies. He teaches for all courses related to Treasury, Foreign Exchange, Money Market, Derivatives, ALM & Regulatory Compliance, Operations and Risk Management, Securities & Investment, Wealth Management. He has worked for two major Multinational Banks, Software Companies and top banking institutes. He has previously held the positions of Head of Treasury (Front Office), Head of Treasury & Derivative Operations (Back office) as well as been responsible for structured products and risk management.
Srikumar Vadake Varieth
Srikumar Vadake Varieth
Head - Legal
As a legal professional, Srikumar has a rich experience and expertise spanning over two decades in Wholesale, Retail, SME, Agri and Micro Finance Banking, Litigation, Recovery, Joint Ventures and other Corporate Laws. He has had substantial legal exposure to labour related issues and in drafting and vetting of agreements, contract negotiations and closure. He was involved in mergers of two private banks and transitioning a NBFC to a Bank. Srikumar started his career as an advocate and has worked with organizations like Bank of Baroda and ING Vysya, in different positions heading the regions and zones and has gained understanding of local state laws while working in various parts of the country with his most recent stint being in Bandhan Bank as Head Legal.
Upma Goel
Upma Goel
Financial Controller
Upma Goel is a Chartered Accountant with an experience spanning over 23 years in strategic financial planning, analysis and reporting, tax optimization, risk management, business restructuring and regulatory compliances. Her extensive experience includes roles of Deputy Group CFO at L&T Finance Holdings Limited, Reporting Head of CFOs of subsidiaries of L&T Finance Holding , DGM at Larsen & Toubro Ltd. and Financial Controller at Escorts Securities Limited.
© 2015 Ujjivan Financial Services Ltd. CIN NO: L65999KA2004PLC035329
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