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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 Bachelors degree in Chemical Engineering from IIT, Varanasi. Know More

Sanjay Kao

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

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, he later on 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.Know More

Arunava Banerjee
Jaya Janardanan

Jaya Janardanan

Chief Operating Officer

Jaya Janardanan comes with a rich experience of over 26 years in banking, across Indian and multinational banks. She has diverse experience in Operations, Strategy, Operation Risk Management and Client management with renowned banks like ICICI Bank, ING Vysya, Dhanlaxmi, ...J P Morgan, and Bank of America. Prior to joining Ujjivan, she was the Head of Banking Operations and Customer Service at Aditya Birla Payments Bank. Jaya has strong expertise and skill in setting up operations, technology and client servicing. She was instrumental in leading flagship projects like Six Sigma initiative for ICICI Bank, Customer First Project for ING Vysya bank and Branch Automated Workflow Management and Core Banking Migration for Dhanlaxmi Bank. Jaya has won international awards like the CIO award for customer centric project (Net banking across the counter), Asian Banker Award for Branch Automation and Workflow Management and various other industry citations for projects involving customer convenience and techno-enabled operations. She is an ardent speaker at various banking conferences. She is a Post Graduate in Commerce and has done Masters in Financial Management from Somaiya College of Management Studies, Mumbai. Know More

Upma Goel

Chief Financial Officer

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 and Toubro Ltd. and Financial Controller at Escorts Securities Limited.Know More

Upma Goel
Alok Chawla

Alok Chawla

Head of Audit

Alok Chawla brings with him over 2 decades of experience in Audit & Financial and Non-Financial Investigation Skills in BFSI. He is a qualified CA with multiple certifications like ... Certified Lead Auditor ISO /IEC 27001:2013, Certified Internal Auditor (CIA) Institute of Internal Auditors (USA) & Information Systems Auditor (ICAI) and he has rich experience in establishing Risk Based Internal Audit Methodology. Prior to joining Ujjivan, he was the Head of Audit for Mizuho Bank, Mumbai. He has also served as the Head of Audit for Tata Motors Finance and as Head of Business Audits for ING Vysya Bank.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 Ujjivans 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
Rajat Kumar Singh

Rajat Kumar Singh

Business Head of Microbanking and Personal Loan

Rajat Singh has been with Ujjivan since 2007. As a financial analyst, his first assignment was to build and expand the organizations 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