Mr. Udaya Kumar joined CreditAccess Grameen Ltd. as Chief Executive Officer in September 2010. He is a veteran in the financial services field with over 25 years of experience in the banking sector.

He has previously worked with Corporation Bank for 10 years, ICICI Bank for over 12 years and Barclays Bank Plc. for three years. Mr. Kumar has been exposed to Operations, Credit Management,Product development, Technology and Business Development in banking.Prior to joining CreditAccess Grameen Ltd. he was spearheading the commercial, payment and branch operations at Barclays Bank Plc, India. In the course of his career, Mr. Kumar has successfully imbibed technical, qualitative and managerial skills and been part of a team implementing process initiatives like Centralizing Operations, Process re-engineering, Six Sigma Quality Initiatives, Five-S principles for workplace management and implementation of ISO Standard in banking operations.

Mr. Udaya Kumar holds a Master’s degree in commerce, CAIIB from the Indian Institute of Bankers and is also a graduate in bank operations and technology from BAI, USA.

Mr. Dibyajyoti Pattanaik is the Director of Bhubaneswar headquartered Annapurna Finance Private Limited. Mr. Pattanaik has over 14 years of experience in microfinance, micro-enterprise development and development sector consulting. He holds a Post Graduate degree in Management from Entrepreneurship Development Institute of India (EDII), Ahmedabad with specialisation in micro finance and micro enterprise management. He also holds a management certificate in microfinance from the Boulder Institute of Management, USA.

Mr. Rakesh Dubey has more than 20 years of experience within the Microfinance domain and has an expertise of setting up MFIs domestic as well as internationally. Prior to joining the microfinance sector, he has trained with Grameen Bank, Bangladesh. He has also been the founder member of CASHPOR and SONATA Finance. Mr. Dubey is the treasurer of Micro Finance Association of Uttar Pradesh (UPMA). He holds a master’s degree in Business Administration and a Post Graduate Diploma in Rural Development Management.

Mr Mohammad Nooruddin Amin is the Managing Director of Adhikar Microfinance Pvt Ltd. Adhikar works in the field of financial inclusion in the eastern part of India with Odisha being the focus state. Mr. Amin is one of the early votaries of the micro finance movement. He innovated the concept of money remittance for the migrant workers and initiated the cooperative movement in the state of Odisha. He has studied Law from Utkal University, Bhubaneswar, Human Rights in Chulalongkorn University, Bangkok. Mr. Amin is the recipient of the prestigious Ashoka Fellowship from Ashoka Trust, USA in 1996.

Mr. K M Vishwanathan is the MD & CEO of M Power Micro Finance Pvt Ltd. A BFSI professional with an exposure of 32 years across NBFC, Banking and MFI lending industries. His experience in banking constitutes of 9 years in Karnataka Bank and 9 years with HDFC bank. Mr. Vishwanathan also has an experience of NBFC lending from his time in Cholamandalam Finance. In 2009 he promoted M Power Micro Finance and continues to run this venture as MD & CEO. Mr. Vishwanathan holds a Master’s degree in Financial Management from Jamnalal Bajaj Institute of Management Studies, Mumbai University

Mr. Manoj Kumar Nambiar has over 30 years of experience and is currently with the Aavishkaar-Intellecap Group as the Managing Director of Arohan Financial Services Limited – the 7th largest NBFC MFI in India. He started his career with Modi Xerox in 1988 and then moved into consumer finance with GE Countrywide in 1995, retail banking with ANZ Grindlays in 1997 and retail assets and business development with ABN Amro Bank NV India in 2000. Mr. Nambiar moved to National Bank of Oman as Head Retail Banking in 2002 looking after Oman, UAE and Egypt. Post that he worked as the COO of the Alhamrani - Nissan Finance company, KSA in 2004 and returned to Oman as the Deputy CEO of Ahli Bank SAOG in 2008. He returned to India in June 2010 as MD & CEO of IntelleCash Microfinance Network Company (P) Limited (an Intellecap Group company) in the business of incubating and capacity building of MFIs. Mr. Nambiar is a mechanical engineer by graduation from VJTI in 1986, an MBA in Marketing by post-graduation from JBIMS in 1988, both from Mumbai University and has tertiary qualifications in insurance from III. He has also completed a “Strategic Leadership in Microfinance” course from the Harvard Business School, Boston, the US in April 2013.

Mr. Vineet Chattree has over 20 years of experience in Operations and Consulting with large corporates spanning across India, Middle East, US and Europe. In the last 4 years, his strategic thinking and experience has enabled Svatantra Microfin Pvt. Ltd. map out a differentiated, diversified, profitable, and sustainable growth path. Mr. Chattree firmly believes that organization can sustainably grow if it creates a meaningful difference in the lives of its customers. He is a chemical engineering graduate from ‘Institute of Chemical Technology – Mumbai’ and has completed his Masters of Management from IIT – B and Executive management program at Wharton. An avid reader, trekker and a marathon runner, he is rarely without his Kindle that is loaded with books from mythology to management.

Mr. Harish Venkata Raghu is the Co-Founder, MD & CEO of SaGgraha Management Services - a tech driven corporate business correspondent offering multiple financial products dedicated to rural in association with various SFBs and NBFCs. He has a varied experience of over 23 years across Agri, Rural, Banking and Financial sector. He has previously worked as COO of Future Financial Services Ltd.( known as Fincare now), CPO at Spandana Spoorthy. He has also been associated with Fullerton Rural, ICICI bank, Madras Fertilizers in the past. His core expertise includes Sales, Operations, HR, Branch banking, Communications & PR, and Marketing. He has vast experience in HRMS where he served as C.P.O at Spandana managing 12,000 employees and has expertise in low cost hiring at Bottom of the Pyramid. He has pursued B.Sc. in Agriculture, PGDBM and EGMP from IIM – Bengaluru. He is well connected to various rural management institutes where he is invited for guest lectures and also conducts Industry Workshops on HR and Operations. Harish is an avid traveller.

Mr. Navin Kumar Maini retired as the Deputy Managing Director of SIDBI. He has more than three and a half decades of experience in the commercial and development banking in various facets of financing MSMEs & large corporates, Micro Credit and core business functions. He was also the Chief Executive Officer of the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE),Mumbai. An alumnus of St. Stephens College, Delhi, Mr. Maini holds a Degree in Law from Delhi University. He is also a Postgraduate in Management from MDI and IIFT, besides being a Certified Associate of Indian Institute of Banking & Finance.

Dr. Alok Misra has 25 years of professional experience in international development, rural finance, microfinance, inclusive finance and research at both policy and implementation level. He started his career with India’s apex rural development bank (NABARD) in 1992. He has been a part of the multi institutional task force (2003-2004) responsible for setting up India’s first online demutualized commodities exchange (NCDEX). He is a member of Inclusive Finance India Group of Advisors and member of Digital finance working group constituted by ITU, Geneva. Dr. Misra has written numerous articles and reports and has authored “Responsible Finance India Report”. He has been awarded ADB-Government of Japan scholarship for MDM programme and NZAID scholarship for his PhD. Dr. Misra holds a PhD in Development Studies from Victoria university of Wellington, Master in Development Management (Gold Medallist) from Asian Institute of Management, Manila. He has been trained at Harvard Business School in “Strategic leadership for Microfinance” and was a Fellow, Fletcher Leadership Program for Financial Inclusion at Tufts University.

Mr. Desh Raj Dogra has 38 years of rich experience within the financial sector in the areas of banking and credit rating. He has maintained a high growth trajectory after taking over as acting Managing Director and made CARE the second largest rating agency. Several initiatives have been successfully taken such as acquisition of Kalypto Risk Technologies (a risk management solutions company), opening of first global office in the Republic of Maldives, setting up the first credit rating agency in Mauritius, forging ties with other global rating agencies in creation of a global rating agency, ARC Ratings (with partners from Brazil,Malaysia, Portugal and South Africa).Mr. Dogra also worked closely with the Ministry of Finance, Govt. of India, where CARE prepared a dossier on the Indian Economy as well as white papers on both the equity and debt markets for the Ministry. Mr. Dogra holds a Bachelor’s and a Master’s degree in Agriculture from Himachal Pradesh University and MBA from Faculty of Management Studies, University of Delhi. He is a certified associate of the Indian Institute of Bankers.

Dr. Aruna Sharma retired in 2018 as the Secretary, Steel in the Government of India. Prior to that, she was the Secretary, Information Technology in the Government of India. Dr. Sharma is from the Madhya Pradesh cadre of the IAS (1982 batch). She has served as the Development Commissioner and Principal Secretary, Rural Development and Panchayati Raj in Madhya Pradesh; as the Director General of Doordarshan; as Joint Secretary in the Home Ministry of the Government of India (attached to the National Human Rights Commission); as Managing Director of the MP Dairy Federation, apart from other posts in MP.

Dr. Sharma has authored various publications namely : Reaching the Last Beneficiary: Resource Convergence Mantra Model –2008 (UNDP), Impact of Recourse Convergence in Policy Making, Program Design and Execution – 2014.(UNDP)etc. She has been recognised internationally as the Co-Chair in Global Steel Forum 2017-2018, listed as “Data Champion” for developing IT based data module for bringing efficiency in Government functioning by John F Kennedy School of Government at Harvard University (HARVARD Kennedy School) for developing high-quality data systems and “Helped to establish unique identifying data system to facilitate government to have household data for family to extract entitlement and ensure citizen payments in Madhya Pradesh thorough SAMAGRA.

Dr. Sharma has pursued Master’s in Development Studies from the University of Bath, United Kingdom and holds a PhD in Development Economics (Delhi University).

Harsh Shrivastava has 23 years’ experience in advising businesses and governments on policy.  Before joining as the CEO of MFIN, he was the head of corporate affairs and communication at Feedback Infra, which is India’s leading provider of infrastructure services.  Earlier, he was the head of corporate affairs for Srei Infrastructure Finance.  Harsh was previously in India’s Planning Commission, where he was its Consultant (Planning), managing the process of making India's 12th Plan.  He has served in the Prime Minister’s Office on the personal staff of Prime Minister Vajpayee as his deputy speechwriter.  He has held senior posts in Reliance Capital, Feedback Ventures, and the Confederation of Indian Industry, where he handled agribusiness and food processing.  Harsh has been a journalist and wrote India’s first book on Corporate Social Responsibility, released in 1999.

Harsh has taught public policy to the founding batch of the Vedica Scholars program and taught a course on strategic public communications at IIM, Ahmedabad.  He has also lectured about public policy at the Indian School of Business, both at Hyderabad and Mohali as well as the Australian National University, Canberra.  Harsh has written for the op-ed pages of Mint, Economic Times, and the Indian Express.  He was an Emerging Leaders Fellow at the Australia India Institute, Melbourne and selected by the US Department of State for its International Visitor Leadership Program. He was also on the board of the Meghalaya Institute of Governance.

Harsh finished his MBA from IIM, Ahmedabad in 1995.

Achla has been working with MFIN since April 2014 and is responsible for looking after the state and regional chapters. Prior to MFIN she has worked with Sa-Dhan, the Association of Community Development Finance Institutions for thirteen years where she contributed extensively for the growth of financial inclusion in urban and rural India across models, facilitated dialogue between different stakeholders-people, policy makers, service providers for better understanding of diverse models. She is a qualified Company Secretary and has also done her law from CCS University.

Sugandh heads the SRO vertical at MFIN. She joined MFIN during its start-up phase and played the lead role in MFIN’s policy & advocacy work, development of credit bureau ecosystem, MFIN’s data publications and research as well as setting standards and benchmarks. Before joining MFIN in 2011, she had worked with Bharat Electronic, SEWA, ITC and ACTED across a wide spectrum of areas related to technology, business and development themes. She is an Engineering graduate from MNNIT, Allahabad and post graduate in Social policy from the London School of Economics and Political Science (LSE).

Swetan Sagar has an MBA degree from Indian Institute of Forest Management (IIFM), Bhopal. He was earlier working with M-CRIL at the position of Chief Operating Officer and has over 18 years of experience in designing and leading multi-country programme evaluations in the financial inclusion space. His key areas of expertise include data analytics, market research, impact assessments, institutional assessments, capacity building of financial institutions and livelihood promotion institutions catering to the low-income segment.
Swetan has led many projects in the financial inclusion and enterprise development sectors across India and 15+ countries in the Asia and Africa region.

Amit is a financial inclusion professional with more than seven years of work experience. He has been working with MFIN since March,2015. Previously he has worked with BASIX & ICICI Lombard GIC Ltd. as a Product Manager for group health insurance (Micro Insurance product). His most recent association was with the World Bank Group in the sphere of Digital Financial services. Amit has completed his Post- Graduate Diploma in Rural Management from IRMA, Anand.

Raj has a professional experience of 12 years within development sector. Prior to MFIN he has
worked with Bill & Melinda Gates Foundation, Global Fund Projects and State AIDS Control Society.
He has pursued his postgraduate in Social Science specializing in Data Management from Andhra
University.

Piyush has 10+ Years of work experience with specialisation in Banking and Digital Financial services. He has worked extensively on digital financial services in India and Africa in different capacity as State lead, Strategic Alliance, Consultant and Senior Product Manager. Piyush has hands on experience and in depth understanding of payment system, like AePS, BBPS, E-KYC, India stack layers, mobile wallets, remittance business, card payments, Block chain, P2P and other emerging payment systems etc.
Before joining MFIN, he has worked with Barclays bank, Srei Sahaj, Oxigen, MicroSave, Tata Teleservices (mRUPEE), and Spice Digital. He is a member of AIMA and Volunteer at iSPIRT.
Piyush has done his MBA from Xavier Institute of Management, Bhubaneswar and Executive education from Columbia Business School with specialisation in Marketing.

Bhumika has joined MFIN as an AVP – Communications and Marketing. Bhumika has an experience of about 8 years working on assignments related to brand strategy and communications working across Media & Advertising agencies. She has an expertise of handling both ATL and BTL which includes Media Planning, Events, Experiential activities, Integrated Media Properties and social media marketing. She has worked with different agencies including Edelman India, Dentsu Aegis India Network, Group M Media India. Bhumika has completed her Post Graduation in Mass Communication from Amity University and graduated from Symbiosis Society’s College of Arts and Commerce specialising in English Literature.

Sheetal joined MFIN in 2016 and has been part of different SRO functions including CGRM, Third-party Evaluations, enforcement and SRO governance. She currently leads the SRO work in terms of framing standards, research, enforcement and governance. Before joining MFIN, she was managing commercialisation of ICAR Technologies and Capacity building of various stakeholders with Agrinnovate India Limited. She has
three years of rich experience with ICICI Bank Ltd. both in SME (asset side working capital funding of credit and non- credit facilities) and Retail Branch banking. Before Joining ICICI Bank, she was associated with BASIX within Bhartiya Samruddhi Finance Limited (BSFL), a NBFC dealing with microfinance and livelihood sustainability in Credit and Risk management team, where she also managed microfinance operations at the field level. Sheetal has completed her MBA in Rural Management from IRMA and is a B.Sc (Ag) Graduate from OUAT, BBSR.

Sankalp has been working with MFIN since Aug, 2016 as a Manager, Grievance Redressal, within the SRO team. Prior to MFIN, he has worked with GIZ on rural insurance and agriculture value chain development projects. He has worked briefly with Yes Bank and Ananya Finance on internship assignments related to financial literacy, process mapping and loan product development. Sankalp has completed his Post-Graduate Diploma in Rural Management from IRMA, Anand and Masters from TISS, Mumbai.

Jay joined MFIN’s SRO function in 2017 and leads SRO’s monitoring function as well as reporting to the RBI. He has more than six years of experience from diverse background in consultancy, CSR, NGO’s and Media. He has worked with, Mancer consulting services, Katha, Swayam Siddha and Daily News and as an Analysis in the past. Jay holds a master’s degree in International development from the University of Manchester. He has also studied journalism from Asian College of Journalism and Business Administration from Symbiosis Centre of
Management Studies.

Jatinder is a financial inclusion professional with over eight years of experience in retail banking, microfinance, public policy research and agency banking space within and outside of India. Previously he has worked with SBI, HDFC Bank Ltd, MIX Inc and FINO PayTech Ltd. He has completed his Masters in Public policy from India and has attended a program in Public Policy Improvement offered by EPoD at Harvard University and Summer School Programme for Leadership in Development at Sanford School of Public Policy (Duke University Durham,N.C) and IIM Udaipur.

Habib is a finance expert with twelve years of experience. Prior to MFIN, he was associated with Sa-Dhan (The Association of Community Development Finance Institutions) as a “Senior Executive-State coordinator”, responsible for the member services of North-East and Eastern region (viz. Assam, Manipur, Bihar, Jharkhand, West Bengal and Uttar Pradesh).An MBA graduate from Bangalore University, he has also worked for six years in the retail finance industry .He has also been recognised as a “Smart Assessor” by the “Smart Campaign”.

Kamalesh has over twelve years of rich experience. Prior to MFIN, Kamalesh has worked with Sa-Dhan (The Association of Community Development Finance Institutions) as Regional Manager responsible for the member services of South region (Viz Andhra Pradesh, Telangana, Kerala, Tamil Nadu, Karnataka).
He has completed an online course of Social Enterprise and Microfinance Experts from University of Libre de Bruxelles.
Kamalesh has pursued his MBA Finance from National Institute of Business Management, BA in Economics from Annamalai University and software engineering from Computer Maintenance Corporation.

Devendra is a seasoned management professional with 12 years of diverse experience. Prior to joining MFIN, he was associated with Fino Payments Bank and played instrumental role in product innovations and distribution of insurance products. He successfully led Microinsurance Innovation Project of International Labor Organization at Fino with multiple stakeholders; and also awarded with Best Innovative Business Initiative.He has also worked with Richcore Lifesciences, Span Outsourcing and Everonn Systems. He is an Engineering graduate with PGDBM in Marketing and Finance. He is a member of AIMA and Licentiate in Life and General Insurance from Insurance Institute of India.

Nitin is a seasoned management professional with 12 years of diverse experience. Prior to MFIN, he was working as a consultant in Dmatrix Development Foundation. He was associated with CISF (MHA) for six years responsible for various security operational duties. Earlier he has worked with Maharashtra State Rural Livelihoods Mission and NABFINS as a Regional Manager in Maharashtra. Nitin has completed his Post-Graduate Diploma in Rural Management from IRMA and is a science graduate.

Sanjay has over twenty one years of experience within microfinance and rural development industry. Prior to MFIN, he was associated with institutions like Sarvodaya Nano Finance Limited, Bhartiya Samruddhi Finance Ltd. and Indian Grameen Services – BASIX where he worked across 18 districts of Bihar & Jharkhand. He also worked as ‘National Resource Person – IB/CB’ for Madhya Pradesh Rural Livelihood Mission on behalf of NIRDPR, MoRD, Government of India. At BASIX he worked as an AVP & State Head in the states of Madhya Pradesh & Chhattisgarh. He started his career with ASSEFA where he initiated the livelihood promotional activities through mobilization of Gram Sabha/ ULBs/ PRIs and Women Self Help Group.
He has worked with NGOs partners, MFIs, NBFCs, Community Based Microfinance Institutions and coordinated programme implementation.
He has the expertise of planning, implementation , management, partnerships development , policy advocating, monitoring and evaluation of large scale programmes.

Sharad holds an MBA degree in Finance and is also a law graduate. He brings with him about fifteen years of experience in financial management, grants management, statutory compliances and accounting practices. He also has an experience of managing HR and Administration functions in various International NGOs. Over the past 15 years Sharad has worked with eminent INGOs such as Oxfam, HIV / AIDS Alliance, and Nippon Foundation before joining MFIN. Sharad is managing the portfolios of Finance, HR and Admin in MFIN.

Shantnu has an experience of five years in financial management, statutory compliances, and accounting practices. He also has an experience of managing administrative functions in the past both within corporate & social sector. Over the past five years, Shantanu has worked with LIFE (Livelihood Initiative of Empowerment), Tuli international Pvt Ltd & Sanjeev Bhargava & Associates prior to MFIN. He is handling the portfolios of Finance, Accounts, and Admin in MFIN. Shantanu is a CA intern & has pursued his M.Com from IGNOU, Delhi.