Samit Ghosh, Chief Executive Officer & Managing Director

Samit has been in international banking for over thirty years. He pioneered consumer banking in India with Ravindra Bahl and Jaitirth Rao at Citibank in 1985. He led the launch of retail banking for Standard Chartered in the Middle East and South Asia and for HDFC Bank in India. His last commercial assignment was Chief Executive (India) of Bank Muscat. He is an alumnus of Jadavpur University and Wharton School.

Carol Furtado Chief Operating Officer – South

She is a banker with 10 years of experience with ANZ Grindlays Bank and Bank Muscat, where she specialized in modern retail operations. Carol was in Operations at Ujjivan before her current assignment. She was presented with Financial Women’s Association (FWA) of New York Leadership Award in 2009. Carol is an MBA from Mount Carmel Institute of Management, Bangalore.

Vikram Jetley, Chief Operating Officer – North

He has over 13 years of experience in Consumer Banking, handling portfolios such as Branch Banking, Direct & Channel Sales Management, Personal Loans, and Wealth Management. He held strategic positions with HDFC Bank and National Bank of Oman (UAE/Egypt) among others. His last assignment was with DCB as Vice President. He is an MBA from The FORE School of Management, New Delhi.

Jolly Zachariah, Chief Operating Officer – West

He has over 20 years of International Banking experience with Citibank. He led and managed Consumer Banking and Credit Card businesses across India & South Asia, Middle East, Africa and the USA before returning to India. His last assignment was with Citigroup’s CitiCards as Senior Vice President & Director, Agent and Affinity Banking, based in New York.

Rajat Singh, Chief Operating Officer – East

Rajat joined Ujjivan in June 2007 when the company was in its early stages of evolution. His first assignment as a financial analyst in Bangalore was to build and expand the finance function. He was instrumental in developing and implementing organisational budgeting processes and basic business analytics structures. In June 2010 he was appointed Chief of Staff for the Eastern region overseeing regional business. Rajat has a B.Tech degree in Agricultural & Food Engineering from IIT, Kharagpur.

Sudha Suresh, Chief Financial Officer

She is a Chartered Accountant with a rich corporate career. Her corporate expertise and contributions span areas of fiscal management, strategic planning, capital & debt syndication, MIS & compliances in private and public limited companies. She is also a qualified Cost Accountant and Company Secretary.

Vittal Rangan, Head of Human Resources

He has over 14 years of HR experience largely with Financial Services. His previous assignments were with Birla Sun Life Insurance, Cholamandalam DBS Finance, HDFC Standard Life and Asian Paints where he has played leadership roles heading Sales HR and Corporate verticals. His areas of interest are organization development, institution building and leadership. He is an alumnus of SRCC, Delhi and Symbiosis, Pune.

Martin Pampilly, Head of Service Quality & Operations

Martin Pampilly has over 13 years of retail banking experience with ANZ Grindlays Bank, Bank Muscat, and Centurion Bank. He was a core member in setting up the centralized back office and Customer Services unit for Centurion Bank. Martin Pampilly joined Ujjivan in 2009 as Regional Operations Manager (South), and also managed the successful testing, training and implementation of the Core Banking Project. He is a Computer Science graduate from St.Joseph’s College, Bangalore.

Alagarsamy P, Head of Audit

He is a Banking & Financial Services professional with over 15 years of experience in various functions like Sales, Credit, and Risk & Audit. He started his career with Nagarjuna Finance Limited in their Car Loans Division in Product & Sales function. He was with ICICI Bank for over 8 years in their Retail Assets & Rural Business Groups handling various roles in Sales, Credit & Risk functions. His last assignment was with Fullerton India Credit Company as Assistant Vice President - Risk where he was part of the core team responsible for launch of their Rural Business. He also handled Audit for their Rural Business.

Deepak Ayare, Chief Technology Officer

He is an IT professional with 20 years of experience in different aspects of Technology, who has worked in the Gulf and in East Africa for 14 years. His core strengths are in implementing ERP and developing business systems for organizations in different verticals.

Premkumar G, Head of Administration

He has over 12 years of experience in similar positions with One World Hospital & Paul D'Souza & Associates, a leading Law firm in Bangalore. He was Ujjivan's Regional Administration Manager (South) for 2 years. He holds a Commerce degree and is a member of the Indian Society of Ergonomics (ISE).