Mr. Venkatesh Krishnan is a highly accomplished Chartered Accountant with over 34 years of experience in financial services across leading institutions and diverse functions. He brings deep expertise in financial inclusion and rural banking. Previously, he headed the Microfinance division at HDFC Bank (retail and wholesale) from 2018, driving transformative initiatives such as low-cost branches, undergraduate hiring programs, and a unified technology platform. He played a pivotal role in expanding Self-Help Group business, earning HDFC Bank the ‘Best Private Bank’ award by MoRD in FY22 and FY23. His deep sector expertise is further highlighted by his tenure as MD/CEO of IFMR Rural Channels and his role on the Board of MFIN currently. His career also includes leadership roles as Head of Branch Banking at HSBC and Chief Distribution Officer at L&T Insurance, where he gained extensive experience across assets, liabilities, and NBFC setup.

Mr. Damani, brings over 25 years of extensive experience in the microfinance industry. He joined Spandana in 2022 as President and Chief Financial Officer, where he has played a pivotal role in raising nearly Rs 20,000 crore in funding and executing several key strategic transactions. Before joining Spandana, Mr. Damani served as the Chief Financial Officer at Bharat Financial Inclusion Ltd. (BFIL), a subsidiary of IndusInd Bank Ltd. Over his two-decade tenure at BFIL, he progressed through various leadership roles, gaining deep expertise in the microfinance sector. He was instrumental in steering the organization through multiple industry disruptions and played a leading role in managing a borrowing program of approximately Rs 12,000 crore prior to BFIL’s merger with IndusInd Bank. Mr. Damani holds an Advanced General Management Program (AGMP) qualification from IIM Ahmedabad and a Post Graduate Diploma in Business Administration (PGDBA) from Symbiosis, Pune.

Mr. Ganesh KV is a seasoned financial services professional with over three decades of experience spanning microfinance, retail banking, rural markets, and large-scale distribution. He has held senior leadership roles at Chaitanya India Fin Credit Private Limited, Dvara KGFS, HDFC Bank and ICICI Bank. In his last employment with Chaitanya, he served as President & Head – Internal Audit, where he led the automation of audit processes and strengthened governance & compliance frameworks. Prior to this, as President – Operations, he oversaw business expansion, product development, pilot initiatives, and multi-state operational management. His earlier employments includes leadership roles with prominent consumer and distribution companies such as Parle Agro, GM Pens (Reynolds), PepsiCo, Asian Paints, and Eureka Forbes. Mr. Ganesh holds a degree in Physics, Mathematics & Electronics.

Mr. G. Parthasarathy is a seasoned financial services executive with over 26 years of experience spanning Risk Management, Internal Audit, Legal, Credit & Policy, Collections, Business Operations, and Sales. Previously, he was the Chief Risk Officer at Belstar Microfinance Limited, where he led Risk, Legal, Internal Audit, and Compliance functions nationwide. He built comprehensive frameworks and governance structures, aligning risk practices with strategic goals, and led a team of 300+ professionals. His earlier roles include senior leadership positions at Madura Microfinance, BEBB India, Muthoot Fincorp, HDFC Bank, and GE Money, where he developed robust risk systems and collaborated with KPMG on enterprise-wide frameworks. He holds degrees in Law (LL.B.), Marketing (MBA), and Mathematics (B.Sc.), and is pursuing FRM certification, with additional certifications in Six Sigma (White Belt) and IRDA. Recognized for his contributions with awards and scholarships, Mr. Parthasarathy is known for his governance-driven approach, strategic alignment of risk, and leadership excellence.

Mr. Rai brings over 20 years of extensive experience in Strategic Human Resources, Talent Management, Learning & Development, and Corporate Sustainability. Throughout his career, he has played a pivotal role in leading organizational and cultural transformations across diverse sectors. His expertise spans across strategic people practices, mergers and acquisitions, implementation of HR technologies, and the establishment of leadership development academies. Before joining Spandana, he held leadership roles in renowned organizations including Videocon International Limited, Wacker Chemie AG, SREI Infrastructure and Arohan Financial Services Limited. In each of these roles, he demonstrated a strong ability to align HR strategies with business objectives, foster high-performing cultures, and drive sustainable growth. Academically, Mr. Rai holds a Post Graduate Diploma in Business Management (HR) from EMPI Business School and an Executive MBA from XLRI, Jamshedpur. He is a certified Six Sigma Black Belt and has completed prestigious certifications such as the Growth Leadership Program by Korn Ferry International. Additionally, he is a certified PPA Assessor (Thomas International) and holds a National Position Evaluation Certification from Mercer.

Mr. Sahu has over 24 years of experience in the areas of Audit, Enterprise Risk Management & Compliance. He has exposure to various facets of lending business including Sales, Credit, Policy, Collection and Control functions. Mr. Sunand’s experience spans a variety of NBFC-MFIs and NBFCs including Vistaar Financial Services Limited, RBL Finserv Limited, Bharat Financial Inclusion Limited, Fullerton India Credit Co Limited and Reliance telecommunications Limited. He has handled large audit teams and was instrumental in end-to-end digitisation of Audit Systems in his earlier assignments. He holds a postgraduation in MBA Finance from the Indian School of Business Management & Administration, Mumbai.

Mr. Reddy holds a master’s degree in Law and is a Fellow Member of the Institute of Company Secretaries of India (ICSI) with 18 years experience in Secretarial, Legal and Compliance functions for NBFC-MFI companies such as Bharat Financial Inclusion Limited (formerly known as ‘SKS Microfinance’), Spandana Sphoorty Financial Limited and NBFCs like TruCap Finance Limited (formerly known as ‘Dhanvarsha Finvest Limited’). He has played a pivotal role in handling the legal & secretarial functions replete with DRHP preparation, due diligence, responding to regulators query related to the first IPO of the MFI sector in India. He also assisted the entire listing process and the successful transition from a Private Limited Company to a Listed Public Limited Company and the subsequent QIP issuance. He also has a considerable experience in placement of Listed Debt Securities and helping the regulated unit to implement SEBI Regulations, RBI Directions, Companies Act requirements, FEMA Guidelines, etc. and interaction with Regulators.

Mr. Tripathi has over 20 years of experience in the areas of Secretarial, Governance & Compliance. Mr. Tripathi’s experience spans a variety of NBFCs and Banks including L&T Finance Limited, ECL Finance Limited, YES Bank and RBL Bank Limited. He has vast expertise in establishing governance structure and implementation of secretarial & compliance systems, managing regulatory and multiple public issues and private placement of equity/ debt as well as M&A of companies. He is also a guest speaker on corporate laws at various forums.

Mr. Sharma has built, managed, and led business and operations teams with over 27 years of experience in the financial services and e-commerce industries. He has gained significant leadership and management experience in a mix of start-up, high-growth, turnaround, and steady state environments. His last assignment was as Chief Operating Officer at Bharat Financial Inclusion Limited. In his earlier assignments he was associated with Makemytrip.com, Shopclues. com (founding team), IndiaMart. com, GE Consumer Finance, Standard Chartered Bank and SRF Finance Limited. He holds an MBA from Fore School of Management, Delhi.

Mr. Kujur brings with him 19 years of extensive experience in leading financial institutions such as Satin Credit Care Network Limited, Centrum Microcredit (now Unity SFB), Ashirvad Microfinance, HDFC Bank, and BFIL (formerly known as SKS Microfinance Limited). He possesses strong expertise in Joint Liability Group (JLG) and Self-Help Group (SHG) bank linkage programs, as well as in micro recurring deposit schemes and cross-selling products like Gold Loans, Agricultural Loans, and other allied financial products. In his previous assignment, Mr. Kujur served as Business Head and Vice President – Operations for West Bengal & Jharkhand at Satin Creditcare Network Limited. He holds a Postgraduate degree in Rural Management from Xavier Institute of Social Service (XISS), Ranchi.

Mr. Reddy brings with him over 22 years’ experience working in microfinance and banking industry. Through his myriad roles across organizations, he has played a key role in business and operational development through initiatives like implementing cashless disbursement, improving collections including NPA recovery & scaling-up of Cross-Sell Business and Insurance operations. Mr. Reddy has gained rich experience through his association with organizations like PRADAN, SKS Microfinance and BASIX Group companies driving overall business management, leading operations; and has been instrumental in recruiting, and developing talent. In his previous stint as Chief Operating Officer – South Zone at Bharat Financial Inclusion Limited (BFIL), Mr. Reddy was instrumental in streamlining processes and systems with adequate controls, expanding business while building quality portfolio. Mr. Narayan is a Metallurgical Engineer from National Institute of Technology (NIT), Durgapur, West Bengal. He is an alumnus of Indian Institute of Management (IIM), Ahmedabad.

Ms. Jain is an accomplished finance leader and the Chief of Financial Reporting & Assurance at Spandana, where she leads Finalization of Financial Statements, Audit, Liability Management, and Investor Relations with a clear focus on strengthening governance, enhancing transparency, and building stakeholder trust. With over 16 years of progressive experience across Finance Operations, Compliance & Financial Reporting, Audit & Assurance, Financial Planning & Analysis, Business Finance Partnering, Budgeting & Forecasting, Finance Transformation, System Implementation, and both merger and regulatory audits, she combines strategic foresight, analytical rigour, and exceptional organisational skills to streamline complex financial processes, optimise systems, and enable data driven decision making. Renowned for her ability to bridge operational execution with long term strategic vision, she ensures financial structures remain agile, compliant, and aligned with business objectives to drive sustainable growth. Her leadership journey includes senior roles at Bharat Financial Inclusion Limited and Shriram Finance. Shilpa holds an MBA, is a qualified Company Secretary (CS), and earned her Bachelor’s degree in Commerce.

Mr. Vedsen has over 28 years of corporate experience with leadership positions in the Microfinance, Insurance and NBFC sectors. His earlier stint was as the Chief Operating Officer (East Zone 1) for Bharat Financial Inclusion Limited holding the microfinance portfolio. Over the course of his career, he has held leadership positions in Bancassurance at Canara HSBC Life Insurance, and ING Life Insurance. Additionally, he has expertise in Commercial Vehicle and Construction Equipment Finance as well as in Credit Card and Telecom collections. He has handled large teams distributing financial products and services especially in rural and semi urban markets. He is a Science graduate and an MBA from Gujarat University.

Mr. Chakravarty comes with more than two decades of corporate experience ranging over diverse fields of Finance and Accounts, Budget and Forecast, Taxation, Financial Strategy, Treasury functions and new deal evaluation. As a Finance Professional, he has worked with organisations like ASA International India Microfinance Limited as its CFO and in various leadership capacities with Capgemini, HCL Technologies and Reliance Entertainment. Mr. Chakravarty is a Chartered Accountant from Institute of Chartered Accountants of India and a Cost Accountant from the Institute of Cost and Works Accountants of India.

Mr. Tripathy has over 20 years of professional experience in the field of Financial Inclusion, micro/rural finance, MSME. He has worked across a variety of functions viz. Sales, Strategy and Business development, Product development, Business planning & analytics. He was leading MSME business in his last assignment at Bharat Financial Inclusion Ltd., prior to which he handled large base & distribution network at BFIL disbursing microloans, mobilising small savings & leveraging cross sell opportunities. Prior to Spandana, Mr. Tripathy was associated with organisations such as YES Bank and Accion International, IFMR Trust. He is an MBA from Institute of Rural Management, Anand (IRMA).

Mr. Umesh Kumar K is a Microfinance & Banking professional with over 15 years of domain expertise. He has been responsible for the overall business management including ensuring operational and financial performance of the business. He was previously associated with Bharat Financial Inclusion Ltd. as Dy Zonal Chief operating officer (Maharashtra, Goa, MP, Gujarat).