The leaders behind our success
CHIEF OPERATING OFFICER
He has more over 25 years of experience in Banking and Financial sector. Prior to joining Utkarsh, he worked with Axis Bank for nearly 21 years and held senior leadership roles in Customer Service, Corporate Real Estate and Employee Experience including HR Operations. He has also worked with SBI Home Finance Ltd. handling housing loans to individuals and real estate developers. He is an engineer from the Indian Institute of Engineering, Science and Technology, Shibpur (erstwhile Bengal Engineering & Science University).
CHIEF RISK OFFICER
He has over 19 years of banking experience in the domain of Risk Management, Retail lending, Corporate Lending, Liabilities, Forex and Treasury area. Prior to joining Utkarsh he was with Yes Bank Ltd. as Executive Vice President and in various capacities with Axis Bank handling various roles at Risk Department for more than 8 years. Prior to that, he has worked with State Bank Group & Oriental Bank of Commerce. He has also worked as a Dealer at State Bank of Mysore for more than 4 years handling Domestic Treasury. He is a Science Graduate from Kanpur University, PGDCA from Aptech Computers, CAIIB from IIBF, Mumbai and he is also a Certified Banking Compliance Professional (IIBF & ICSI).
SHASHI KANT SINGH
CHIEF OF INTERNAL VIGILANCE
He has over 35 years of rich experience in banking while working with State Bank of India, with over a decade in Senior Management Grade handling various assignments including in Reconciliation, Inspection & Management Audit Departments. He has worked in different setups like large size Branches, Local Head Office, Administrative Offices, Regional Business Offices, Training Centres, CPCs., Lead Bank Offices in Bihar, Jharkhand, Madhya Pradesh, Karnataka, Andhra Pradesh, Telangana, Assam, Manipur, Tripura States including Foreign Country Branches. He has also worked with International Banking Division and Overseas Branch, Varanasi and handled Forex Business including Forex Sales/Purchases, in charge (Imports & Exports), Import Letters of Credit, International Bank Guarantees and payment of Import Bills received under Foreign Letter of Credits and Bills on Collection basis. He is a Graduate from Gorakhpur University and CAIIB (IIBF).
CHIEF FINANCIAL OFFICER
He has an overall experience of 23 years in Financial Management. His last assignment was with FINO Payments Bank as Chief Financial Officer. Prior to that, he had worked with multinationals like India Factoring (a subsidiary of FIMBank, Malta), Experian India, GE Capital and Transamercia Apple in various roles. He is a Chartered Accountant (ICAI) and Commerce Graduate from Nagpur University, Maharashtra. He has also done Diploma in IFRS (DipIFRS) from ACCA, UK.
S. S. RAMANATHAN
Chief Compliance Officer
He has 20 years of banking experience spread across Branch Banking, Operations, Branch Sales Management, Governance and Compliance. Prior to joining Utkarsh, he was heading the compliance functions relating to Retail Banking, Control Functions and additionally handled the Subsidiary Governance in Axis Bank. He is a founding member of UBL Sales Ltd (now Axis Securities Ltd.,) a subsidiary of Axis Bank and has been instrumental in setting up of the various departments of the subsidiary. He has been involved in implementation of various projects in Axis Bank. Prior to Axis Bank, he has worked with IDBI Bank and ICICI Bank in various capacities in branch banking. He is a Graduate from University of Madras and ICWAI (Inter) and has also completed a certificate course from The Strategy Academy, Mumbai.
CHIEF TECHNOLOGY OFFICER
He has about 19 years of experience in Information Technology domain with focus on Banking, Finance and Insurance, specializing in large scale transformational projects, including setting up of banks, complex core banking migrations and change management. Prior to Utkarsh, he has held Senior Leadership Roles with Yes Bank as CTO, HSBC India as Head Enterprise Architecture, Dhanlaxmi Bank as Head IT, Edelweiss Tokio Life Insurance as CTO, Al Ahli Bank of Kuwait as Head, Technology Risk and Information Security. He has won recognition like Computer Society of India Award 2011 Winner for Excellence in Banking Technology, InfoSec Maestro's Award 2014 and EDGE Award winner for Technology Transformation in the BFSI segment. He is MCA from Government College of Engineering, Karad and B. Sc. from SIES College (Bombay University).
Head - Liabilities
He has been associated with the Banking and Financial sector all throughout his career, spanning 25 years. Prior to joining Utkarsh, he has worked with Axis Bank in the corporate as well as retail banking verticals in senior leadership roles. He has handled responsibilities in the areas of Retail Branch Banking, Corporate Liabilities, Cash Management Services and Government Business including Financial Inclusion initiatives. Earlier, he was with Unit Trust of India, handling assignments related to Sales & Marketing (strategic planning), Accounts and Operations. He is an Economics Graduate from Visva - Bharati University, standing First in the Order of Merit, holds Post Graduate Degree from Himachal Pradesh University, PGDBM (IISWBM, Kolkata), PGCHRM (Gold Medallist, XLRI, Jamshedpur) and JAIIB (IIBF, Mumbai).
HEAD - WHOLESALE BANKING
He has over 23 years of rich experience in BFSI domain. He has worked extensively in Retail & SME Banking across liabilities, working capital finance, trade finance and commercial banking. He worked with FMCG majors like Hindustan Unilever Ltd & Godfrey Philips (I) Ltd. prior to his banking stint across verticals with ICICI Bank, DCB Bank and IDFC Bank Ltd. He holds a Bachelor's degree from College of Vocational Studies – Delhi University.
HEAD – RETAIL ASSETS
He has over 20 years of experience in Banking and Financial Services spreading across Retail Assets, Liabilities, Branch Banking and Trade Services. Prior to joining Utkarsh he was heading the Rural MSME vertical for Bajaj Finance Ltd. He has worked in Tata Motors, ICICI Bank, Reliance Capital and Bajaj Finance Ltd. He is graduate from Delhi University and MBA from NMIMS, Mumbai.
TRILOK NATH SHUKLA
Head - Micro Banking
He heads the Micro Banking Business of the Bank, has an experience of over two decades in Microfinance Sector especially in the northern part of the country. He has been one of the founding member of Utkarsh Micro Finance, wherein he had setup the microfinance vertical. Prior to Utkarsh, he was with Cashpor since September 1997 and as his last assignment, was the General Manager-HRD there and was part of head office operations team. At Cashpor, he had handled almost all management functions of MFI in lead role. He attended several training programs in and outside India, including visit to Grameen Bank, ASA, BRAC in Bangladesh, MFI Program held at Torino Italy conducted by Boulder University, Colarado, USA and different MDPs at IIM Ahmedabad, Bangalore & Lucknow. He also attended several conferences/seminars as panellist organized by BIRD/UPMA based at Lucknow. As part of his training, he got exposure to different MFIs in southeast Asia. He is a Postgraduate from Purvanchal University, UP and holds Advance Diploma in Rural Technology Development and Management from IERT Allahabad.
DEPUTY CFO (Head Finance and Corporate Communication)
He has over 13 years of industry experience especially in Micro Finance and Priority Sector domains. He has handled senior management roles in different control and support functions at Utkarsh ever since its NBFC-MFI format. Prior to joining Utkarsh, he was with NABARD Financial Services Ltd. (NABFINS) as AGM (Finance). He also had stint with Canara Bank as Manager at its Priority Credit Wing, Head Office, Bangalore, handling Agri-Business, Priority Small Loan NPA Management and Consultancy Services with active involvement insetting up of Bank's Financial Inclusion Wing. He started his career as a Research Associate with Locus Research and Consultants Pvt. Ltd, New Delhi and undertook projects for Ministry of Rural Development, GoI and other agencies.
He has attended several exposure programs in Banks, MFIs and Training Centres in India and abroad (Bangladesh, Cambodia, Indonesia and Italy) and has been in Editorial Boards of Institutional Magazines. He has attended several conferences / Seminars as Panellist / Speaker at National & International levels and has also taken sessions at Institutions like CAB (RBI), NIBM, SIBSTC etc.
He is a Rural Management Graduate from Institute of Rural Management, Anand (IRMA) and a Chartered Financial Analyst (CFA) from ICFAI (India). He is a Certified Associate of Indian Institute of Bankers (CAIIB) and has several Diplomas and Certifications from IIBF. He is also UGC Net (Management) certified and is a lifetime member of CFA Council (CCFA, India) and IIBF (India).
G SRINIVASA REDDY
Head - Treasury
He has over 3 decades of experience in Treasury Operations domain. Prior to Utkarsh, he was with Kotak Mahindra Bank in the capacity of Senior Vice President, Treasury Operations. Earlier he worked with ICICI Bank in Forex and Domestic Treasury Operations and was also on deputation to Clearing Corporation of India Ltd. He started his career with Corporation Bank and gained expertise in general banking while working at Mumbai and Bangalore, subsequent to which he also laid his hands on treasury operations in back and front office. He is an M. Sc. (Bio Sciences) from Nizam College, Hyderabad with a Post Graduate Diploma in Advanced Bank Management from NMIMS, Mumbai.
Head – Internal Audit
He has over 14 years of experience in Banking and Microfinance sector. During his tenure in Utkarsh Micro Finance, he has supervised various departments like Micro Enterprise Loan, Information Technology, Risk, Administration and Internal Audit. He was instrumental in establishing Micro Enterprise Loan business and introduction of Mobile Technology in Group Lending (JLG) business at Utkarsh. Prior to joining Utkarsh, he was with Ujjivan Financial Services Pvt. Ltd as Regional Business Manager, responsible for their Individual lending business in East. Apart from this, he has worked in various capacities with organizations like, Ballarpur Industries Ltd, ICICI Bank Ltd, Spandana Spoorthy Financial Ltd and Anjali Microfinance Pvt. Ltd. While working with ICICI Bank in the capacity of Regional Manager (West Bengal and North – East), he was responsible for the Bank's Micro Finance business in the region for more than 3 years and as Accounts Manager – Commercial Banking, he was taking care of Bank's Corporate Clients' relationship in Kolkata. He holds Post Graduate Diploma in Rural Management from Xavier Institute of Management, Bhubaneswar.
HEAD - OPERATIONAL RISK & CHIEF INFORMATION SECURITY OFFICER (CISO)
He has over 30 years of banking experience. He joined as a Probationary Officer in State Bank of India and handled assignments in General Banking, Foreign Exchange, Commercial Banking and Information Technology. He has also worked with Axis Bank wherein his responsibilities included Operational Risk Management, Branch Connectivity Project and Information Security. Prior to joining SBI, he was a Management Trainee in Punjab National Bank. He is a Mathematics Graduate from Osmania University. He is also a CAIIB, FRM, CISA, CISM, CRISC and DCPP.
HEAD - HR & TRAINING
He is having more than 17 years of experience in the BFSI Industry, while working with ICICI Bank, Kotak Mahindra Bank and Reliance Mutual Fund in his earlier stints. Prior to joining Utkarsh, he was associated with Redwood Consulting an HR Consulting firm as Partner. He holds his PGDBA from ICFAI Business School and Chartered Financial Analyst (CFA) from ICFAI Hyderabad.
He has around 11 years of professional experiences in the domain of Secretarial, Legal, Compliance and Corporate Governance framework of Companies while working with big corporate houses like Tata Group, Delhi Stock Exchange and Times of India Group. He is a Commerce and Law Graduate, Fellow Member of the Institute of Company Secretaries of India (ICSI), New Delhi and an MBA (Finance) from Symbiosis University, Pune.
MD & CEO
Mr. Govind Singh is the founder of Utkarsh Micro Finance Ltd., the promoting institution of Utkarsh Small Finance Bank. Currently, Mr. Govind Singh is the MD & CEO of Utkarsh Small Finance Bank. He has vast experience of over 3 decades in different domains of banking & financial services.
His mission to establish a reliable, scalable and sustainable institution for providing affordable & accessible financial services facilitating socioeconomic change resulted in setting up ‘’Utkarsh Micro Finance Limited” in Sep 2009. In Nov 2016, Reserve Bank of India accorded licence to Utkarsh for setting up a Small Finance Bank. Today Utkarsh Small Finance Bank is operating as Scheduled Commercial Bank.
Mr. Govind Singh also served as a member of the RBI working committee group to review the Business Correspondent (BC) Model in India and to examine the ways to improve the Model.
Prior to setting up Utkarsh, he was with ICICI Bank Ltd. in Rural, Micro & Agri-Business Group as the Business Head for Micro Banking. He also worked in Retail Liabilities Group in Retail Infrastructure Group with ICICI Bank. During his ICICI Bank stint, he got extensive exposure on Microfinance, Business Correspondent, Jewel Loans, Liabilities, Infra and Channel Management, Branch Licensing and various products & processes related functions.
Earlier to ICICI Bank, he had worked with UTI Bank Ltd. (Axis Bank), wherein he was responsible for budgeting and control, new products development, developing business strategies, maintaining agency arrangements with Banks, planning of Branch expansion and its proper licencing & launching the Cash Management Services for the Bank.
With Bank Internasional Indonesia, he was entrusted mainly with the task of boosting the sale of assets & liabilities products. He also had stint with Surya Roshni Group (Financial Services) as a Branch Head setting up the Mumbai Branch & started its operations, along with Fixed Deposits mobilization and Stock Exchange Operations.
At the beginning of his career, he had stints with Allahabad Bank and State Bank of Patiala, wherein he got hands on experience on various general banking functions as well as liabilities and assets for Commercial and Institutional segments. He is a Certified Associate of Indian Institute of Bankers (CAIIB) and a Commerce Graduate from Delhi University.