Get to Know Our Board of Directors | Ujjivan Small Finance Bank

Banavar Anantharamaiah Prabhakar

Part-Time Chairman and Independent Director

Mr. Banavar Anantharamaiah Prabhakar is the Part-Time Chairman and Independent Director of our Bank. He possesses about 4 decades of rich experience in serving various banks including Bank of India, A...Mr. Banavar Anantharamaiah Prabhakar is the Part-Time Chairman and Independent Director of our Bank. He possesses about 4 decades of rich experience in serving various banks including Bank of India, Andhra Bank and Bank of Baroda. He retired as Chairman and Managing Director of Andhra Bank in August, 2013 and has also served as the Executive Director of Bank of India. He was on the Board of Karnataka Bank Ltd. as an Independent Director for five years and on the Board of Canara HSBC OBC Life Insurance Co. Ltd, for 6 years from 2015 to 2021. He holds a Bachelor's degree in Commerce from the University of Mysore and is a Chartered Accountant with the Institute of Chartered Accountants of India. He also holds directorship in other body corporates viz. Infomerics Valuation and Rating Private Limited and Arhatech Machinery Private Limited.

Ms. Carol Kripanayana Furtado

Interim CEO and Whole-Time Executive Director

Ms. Carol Furtado is the Interim CEO and Whole-Time Executive Director of the Bank. Earlier, she was designated as the Chief Business Officer of our Bank. Ms. Carol Furtado has 3 decades of banking ex...Ms. Carol Furtado is the Interim CEO and Whole-Time Executive Director of the Bank. Earlier, she was designated as the Chief Business Officer of our Bank. Ms. Carol Furtado has 3 decades of banking experience in Retail Banking and NBFC domains with expertise in leading Business, Banking operations, Credit, People functions and Service Quality. Ms. Carol is a key member of the leadership team that laid the foundation and built Ujjivan. She was instrumental in the recognition of Ujjivan as a certified great place to work. She has previously worked with the ANZ group, Bank Muscat and Centurion Bank Ltd. In 2009, Ms. Carol was the recipient of the Financial Women’s Association award by Women’s World Banking in recognition of her demonstrated professional commitment. She is a post graduate from Mount Carmel Institute of Management, Bangalore, and has been part of strategic leadership programs conducted by Indian Institute of Management, Ahmedabad and Harvard Business School, Boston. This office is liable to retirement by rotation.

Sudha Suresh

Independent Director

Ms. Sudha Suresh is an Independent Director of our Bank. She is a finance professional with a rich experience of more than two decades in private and public companies and a decade as a practicing-char...Ms. Sudha Suresh is an Independent Director of our Bank. She is a finance professional with a rich experience of more than two decades in private and public companies and a decade as a practicing-chartered accountant. She is the founding partner of S. Rao & Associates, Chartered Accountants, Bangalore. She is also the founder of Mani Capital. She was the Managing Director and CEO (2017-2018) and Chief Financial Officer (2008-2017) of Ujjivan Financial Services Limited. Prior to this, she served as the CFO/Finance Head for many companies. She is serving as an Independent Director on the Board of Royal Sundaram General Insurance Co. Limited. She is a qualified Chartered Accountant with the Institute of Chartered Accountants of India and a Company Secretary with the Institute of Company Secretaries of India. She is also a Grad ICWA from the Institute of Cost & Work Accountants of India. She also holds directorship in other body corporates viz. Royal Sundaram General Insurance Co. Limited.

Rajesh Jogi

Independent Director

Mr. Rajesh Jogi joins the Bank as an Independent Director. He brings rich work experience of almost 3 decades in the Banking Industry with a focus on risk management. He last worked with the Natwest G...Mr. Rajesh Jogi joins the Bank as an Independent Director. He brings rich work experience of almost 3 decades in the Banking Industry with a focus on risk management. He last worked with the Natwest Group (erstwhile RBS Group) where he led key strategic projects and transformation. He was the Chief Risk Officer, India of the Royal Bank of Scotland and subsequently the Country Head of Risk, India for the Group. He is also a Non- Executive Director on the Board of a few other companies. Mr. Rajesh Jogi holds a Bachelor of Arts degree in Economics and is a Fellow member of the Institute of Chartered Accountants of India. He also attended the Advanced Management Programme from the Harvard Business School in Boston. He also holds directorship in other body corporates viz. Xander Finance Private Limited, Wealthfusion Limited (UK), Noida Towers Private Limited, Futura Techpark Private Limited, Eleanor Realty Holdings India Private Limited, NV Projects Private Limited, Food Space Technology Private Limited, Gateway Office Parks Private Limited and TSI Business Parks (Hyderabad) Private Limited.

Rajni Mishra

Independent Director

Ms. Rajni Mishra is an Independent Director of our Bank. She has been a career banker for nearly four decades, with State Bank of India as well as its Associate Banks where she has handled varied assi...Ms. Rajni Mishra is an Independent Director of our Bank. She has been a career banker for nearly four decades, with State Bank of India as well as its Associate Banks where she has handled varied assignments and diverse portfolios, gaining exposure in Branch Administration, Corporate Credit, Forex Treasury, Vigilance, Audit & Inspection etc. She holds Master’s Degree in Commerce (Gold Medallist) from M S University, Vadodara. She is also serving as an Independent Director on the Board of Cupid Limited, Aspinwall and Company Limited and Toyota Financial Services India limited and also holds directorship in other body corporates viz. INDO MIM Limited.

Ravichandran Venkataraman

Independent Director

Mr. Ravichandran Venkataraman is an Independent Director of our Bank. He has a rich track record spanning more than 3 decades of having worked in India, London and Bahrain and brings a strong business...Mr. Ravichandran Venkataraman is an Independent Director of our Bank. He has a rich track record spanning more than 3 decades of having worked in India, London and Bahrain and brings a strong business background and has worked with top Business Leaders in over 100 countries. He is the Chairperson of eVidyaloka Trust, Earlier, in his role as Senior Vice President of HP’s Global Business Services, he was responsible for developing the Company’s shared services strategy and its global operating model. He joined Hewlett Packard from ANZ Bank’s global back office where he was the Managing Director, responsible for managing a team of over 5,000 in technology and operations. Prior to that, he was Vice-President – Corporate and Investment Banking at Bank Muscat and was part of the leadership group that set up the Bank in India. He has passed FCCA and ACMA from the United Kingdom. He has also completed a programme for CFOs with Wharton Business School, USA. He also holds directorship in other body corporates viz. Smrti Academy Pvt Ltd, Floretz Academy Pvt Ltd, and Outpost Visual Effects Pvt Ltd

Mona Kachhwaha

Independent Director

Ms. Mona Kachhwaha has over 30 years of experience in banking and impact investing. She is a Partner at UC Impower, an early-growth stage equity fund, incubated by Unitus Capital (2020-Present). UC Im...Ms. Mona Kachhwaha has over 30 years of experience in banking and impact investing. She is a Partner at UC Impower, an early-growth stage equity fund, incubated by Unitus Capital (2020-Present). UC Impower invests in financial inclusion and climate solutions and has a gender-lens on investments. Previously, at Caspian Impact Investment Adviser (2007-2019), she managed the India Financial Inclusion Fund, a growth equity fund focused on inclusive finance; she was on the credit and investment committees of subsequent funds launched by Caspian. As the nominee on the board of early as well as growth stage companies, and subsequently as an independent director on some boards, she has played an active role in their governance and shaping their strategies. She started her career at Citibank (1994- 2007), where she worked across various retail asset businesses and led the bank’s foray into Inclusive Finance in 2005. Mona graduated in Mathematics (Hons.) from Delhi University (1992) and holds an MBA from XLRI, Jamshedpur (1994). She completed an executive program in Private Equity from Said Business School, Oxford University, in 2010. She also holds directorship in other body corporates viz. Parinaam Foundation, Aptus Value Housing Finance India Limited and RMBS Development Company Limited and is a designated partner at UC Investment Management LLP.

Aniruddha Paul

Independent Director

Mr. Aniruddha Paul is an award-winning business and technology leader with over three decades of global experience across banking, insurance, and digital transformation. He has held global C-Suite pos...Mr. Aniruddha Paul is an award-winning business and technology leader with over three decades of global experience across banking, insurance, and digital transformation. He has held global C-Suite positions at Global Systemically Important Banks (G-SIBs) such as Standard Chartered Bank and ING. He brings a consistent track record of scaling businesses, leading complex transformations, managing regulations and compliance, and driving innovation in AI & data, process and technology. Most recently, Aniruddha was Chief Information Officer for Corporate and Investment Banking, and for Europe & the Americas at Standard Chartered Bank, overseeing USD 1 billion in technology spend and a 7,000-strong global team. Prior to this, he was Global Head of the Group Transformation Office at Standard Chartered, where he re-designed the bank’s investment strategy and introduced enterprise-wide agility and process excellence. Earlier, Aniruddha served as Group Chief Data Officer at ING, where he defined the bank’s global data strategy, consolidated 18+ data lakes, and delivered foundational capabilities for compliance, customer experience, and digital banking. Aniruddha now based in Bangalore, began his career in operations at Citibank and went on to serve as CIO for ING in India and Australia, including as CIO for ING’s erstwhile insurance arm. In these roles, he was recognized as CIO of the Year (RFi Group), consistently ranked among the Top 25 CIOs in Australia (IDG), and won multiple CIO 100 Awards. As founder and Managing Director of Cerulean Information Technology, a venture-backed technology and business services firm, Aniruddha built a profitable global enterprise that continues to thrive. A frequent speaker at global industry forums, Aniruddha has contributed to thought leadership on digital business, mobility, and organizational transformation, with his work featured in case studies by Forrester and others. He is a founding member of IIT-IIT, an alumni-led initiative to scale social impact programs across India. Aniruddha is also active in supporting startups in technology, business services, and manufacturing. Aniruddha holds an MBA from the Indian Institute of Management Calcutta (1995) and a BTech from the Indian Institute of Technology Kharagpur (1990).