The leaders behind our success
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.
Mr. ADHIP SYAMROY
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, Operations, 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).
Mr. ALOK PATHAK
CHIEF RISK OFFICER
He has over 20 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 including Governance Risk & Compliance (GRC) framework implementation. He has also worked at State Bank of Mysore for more than 9 years wherein he has worked as a Dealer for more than 4 years and 5 years in the area of Credit & Forex. He is a Science Graduate from Kanpur University, PGDCA, CAIIB and he is also a Certified Banking Compliance (IIBF & ICSI) and Certified Risk Management professional.
Mr. MUKUND BARSAGADE
CHIEF FINANCIAL OFFICER
He has an overall experience of 24 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 FIM Bank, 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.
Mr. SHASHI KANT SINGH
CHIEF OF INTERNAL VIGILANCE
He has more than 34 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 Centers, CPCs., Lead Bank Offices and have also done audited of Lead Bank Offices, CPCs and other big branches of different banks 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).
Mr. VENKAT KRISHNAN
CHIEF TECHNOLOGY OFFICER
He has about 21 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 - 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.
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.
Mr. G SRINIVASA REDDY
Head - Treasury
He has over 32 years of banking experience and for the past 25 years he has been with Treasury. Prior to joining Utkarsh Small Finance Bank in 2016, he was with Kotak Mahindra Bank Ltd as Senior Vice-President, Treasury Operations having handled foreign exchange, domestic and derivative operations. He joined the Bank project of Kotak Mahindra in 2002 when it got banking licence and was a part of initial team that set up Treasury at the Kotak Mahindra Bank. Before his stint with Kotak Mahindra Bank Ltd, he was with ICICI Bank Ltd handling Treasury Forex operations. He was deputed to help set up forex settlement operations at Clearing Corporation of India Ltd. He began his career as a probationary officer in Corporation Bank initially in general banking and subsequently in back and front offices of domestic treasury.He is an M. Sc. (Bio Sciences) from Nizam College, Hyderabad with a Post Graduate Diploma in Advanced Bank Management from NMIMS, Mumbai
Mr. Rahul Sinha
HEAD - RETAIL ASSETS
He has over 21 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.
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, PGDIM, FRM, CISA, CISM, CRISC, DCPP and DCPLA.
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.
Mr. Sachin Shamkant Patange
Chief Compliance Officer
He has over 29 years of experience in the domain of RBI Regulations, Regulatory Compliance, Anti Money Laundering, Banking Operations and IT Systems implementation. Prior to joining Utkarsh, he had worked with DCB Bank Limited and Australia & New Zealand Banking Group Limited as Chief Compliance Officer and Head of Compliance – India, respectively. Before that he was with Reserve Bank of India, wherein his last designation was Deputy General Manager. He is a Commerce Graduate from University of Mumbai, CAIIB from Indian Institute of Banking and Finance (IIBF), Mumbai and MBA from Symbiosis Institute of Business Management (SIBM), Pune.
Mr. Vinay Tripathi
Mr. Vinay Tripathi is an associate member of the Institute of Company Secretary of India. Mr. Tripathi has 15 years of rich experience of handling Secretarial & Compliance function of Banks/NBFCs. Before joining Utkarsh he was working as Vice President & Company Secretary of RBL Bank Limited. He also had stints with L&T Financial Services and YES Bank Ltd among others.