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Management Team

Meet the people behind the next big shift in Indian banking

Samit Ghosh

Samit Ghosh

Chief Executive Officer and Managing Director

Samit Ghosh is the Managing Director and Chief Executive Officer of the Bank. Mr. Ghosh was a career banker for over 30 years and worked both in South Asia and the Middle East. He started his career with Citibank in 1975 ...and later worked with Standard Chartered Bank, HDFC Bank and the Bank Muscat, and holds a master of business administration degree from the Wharton School of Business at the University of Pennsylvania. He was the past President of Microfinance Institutions Network and the chairman of Association of Karnataka Microfinance Institutions (AKMI). He was an Executive Managing Director and Chief Executive Officer of ‘Ujjivan Financial Services Limited’ till January 31, 2017.Know More

Sanjay Kao

Chief Business Officer

Sanjay Kao is the Chief Business Officer and brings a wealth of experience in Consumer Banking across products and markets. Prior to joining Ujjivan, he was the Head of Consumer Business at Dunia Finance in Dubai. ...He also spearheaded Consumer Finance for Royal Bank of Scotland in Asia and held leadership roles with Citibank in Asia Pacific. He worked in the UAE from 2001 to 2003 as Head of Marketing with Mashreq Bank. Sanjay started his career with Unilever India and holds a Business Management Degree from IIM Kolkata and a Bachelor’s degree in Chemical Engineering from IIT, Varanasi. Know More

Sanjay Kao
Rajat Kumar Singh

Rajat Kumar Singh

Head of New Business Initiatives & Data Analytics

Rajat Singh has been with Ujjivan since 2007. As a financial analyst, his first assignment was to build and expand the organization’s finance function. He was instrumental in developing and implementing organizational ...budgeting processes and basic business analytics structure. In June 2010, he was appointed as Chief of Staff for East region, overseeing 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 then led the Strategy and Planning division. He holds a Bachelor's degree in Agriculture and Food Engineering from the IIT, Kharagpur. Know More

Carol Furtado

Head of Human Resources

Carol Furtado is associated with Ujjivan since inception and has served the organization in various roles and responsibilities. She was the Chief Operating Officer, South before taking over her current responsibility as the Head of Human ... Resources. She is a finance professional with over two decades of experience, having worked at ANZ Grindlays and Bank of 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 has completed her Master's degree in Business Management from the Mount Carmel Institute of Management, Bengaluru. Know More

Carol Furtado

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.Know More

Santhosh Kumar G

Head of Third Party Products & TASC

G. Santhosh Kumar has 21 years of experience across industries. 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 states with ING Vyasya Bank, overseeing a network of 77 retail branches. Prior to banking, he was with Johnson and Johnson. Santhosh is an alumnus of the Birla Institute of Technology and has done his MBA from IIM Kozhikode. Know More

Santhosh Kumar G
Abhiroop Chatterjee

Abhiroop Chatterjee

Business Head of Microfinance

Abhiroop Chatterjee joined Ujjivan in April 2008 in the first batch of Management Trainees. His first assignment was to establish operations in Jharkhand as an Area Manager. He was later assigned the role of a Distribution Manager ...in May 2010. Thereafter, he was promoted as Chief Operating Officer – East region in April 2014, before taking up the current responsibilities of leading the Microfinance business nationally. Abhiroop holds a Post Graduate Diploma in Rural Management from the Xavier Institute of Management, Bhubaneswar. Know More

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.Know More

Jolly Zachariah