Mr. Chandra Shekhar Ghosh

Managing Director & Chief Executive Officer

Mr. Ghosh has been one of foremost proponents of microfinance in India. He has more than 30 years of experience in the microfinance and development terrain. He founded Bandhan in 2001 as a not-for-profit enterprise that stood for financial inclusion and women empowerment through sustainable livelihood creation. He was on the forefront of its transformation into an NBFC-MFI and finally a universal bank in August 2015.

Mr. Ghosh has been appointed as the Chairman, Confederation of Indian Industry (CII), Eastern Region, apart from holding the Chairman position of CII’s Economic Affairs, Finance & Taxation Committee. He also Co-Chairs the Financial Inclusion Committee of Federation of Indian Chambers of Commerce and Industry (FICCI). He is the Past President of the Bengal Chamber of Commerce and Industry (BCC&I). Mr. Ghosh was elected as ‘Senior Ashoka Fellow’ in 2007 by Ashoka Foundation (social entrepreneurship award). An M.Sc. in Statistics, he also attended the HBS-ACCION programme on Strategic Leadership at Harvard Business School in April 2006.

Mr. Harun Rasid Khan

Independent Director

Mr. Khan is currently a Senior Adviser (part-time) with KPMG India and Non-Executive Chairman of National Securities Clearing Corporation Limited.

He retired as the senior Deputy Governor of the Reserve Bank of India (RBI) in July 2016, after nearly 38 years of service. At RBI, he handled diverse areas and spearheaded major projects relating to financial markets, payment and settlement systems, financial inclusion, foreign exchange management and, banking regulation and supervision. He was instrumental in the formulation of the RBI’s Payment System Vision 2018. He has overseen some of their major projects like establishment of CCIL, Core Banking Solutions, revamping of NEFT and introduction of UPI for retail payment.

An M.Phil. from Jawaharlal Nehru University and a PGDM graduate from Narsee Monjee Institute of Management Studies, he has been the nominee Director of RBI on the Board of several top Indian banks.

Mr. Chintaman Mahadeo Dixit

Independent Director

Mr. Dixit is on the Boards of SBI Stock Holding Corporation of India Limited, GDA Management Consulting Private Limited and SBI DFHI Limited. He has been associated in the audits of large public sector undertakings, public and private limited companies, nationalised and scheduled banks, NBFCs, Life Insurance Corporation of India and co-operative banks. He rendered consultancy services to public sector banks in the areas of turnaround strategies, restructuring, takeover, investigation among others.

Mr. Dixit is a Senior Partner at GD Apte & Co., Chartered Accountants, and has over 38 years of professional experience in finance and accountancy sector. He was on the Boards of Dena Bank, Indian Bank and Hindustan Antibiotics Limited.

Mr. Snehomoy Bhattacharya

Independent Director

Mr. Bhattacharya has 36 years of experience in the banking industry of which he spent equal time in the public and private sectors. He served as a Director on the Board of Axis Private Equity Limited. Subsequently, he was an adviser to Axis Bank on Leadership Development and Talent Management.

A qualified Cost Accountant, he started his career with State Bank of Bikaner and Jaipur as Probationary Officer and reached the level of Chief Manager, International Banking. Thereafter, he moved to Axis Bank as Vice President and held various positions including that of the Executive Director (Corporate Affairs), where he oversaw the functioning of the human resources, compliance, internal audit, legal, corporate communications and corporate infrastructure departments. He was also the Head of Human Resources, and the Chairman of the Audit Committee of Executives at Axis Bank.

Mr. Sisir Kumar Chakrabarti

Independent Director

Mr. Chakrabarti is currently the Independent Director on West Bengal State Electricity Distribution Co. Ltd, Merino Industries Ltd. and Merino Panel Products Ltd.

He retired as Deputy Managing Director of Axis Bank in 2011 after serving the Bank in various capacities in several locations for 17 years. Before joining Axis Bank, he started his career as an officer with State Bank of Bikaner & Jaipur and worked for 21 years. He was also a member of Committee of Directors of Axis Bank & Chairman of Audit Committee of Executives. He was Chairman of Axis Sales & Securities Ltd. and Nominee Director of Experian Credit Information Services Ltd. and Busan Auto Finance Ltd. He is a graduate with honours in English Literature and a CAIIB.

Mr. Bhaskar Sen

Independent Director

Mr. Sen retired as the Chairman and Managing Director (CMD) of United Bank of India. During his tenure as CMD, United Bank of India got listed and went through a major transition, particularly in the areas of systems, processes and corporate governance. He also served as the Executive Director of Dena Bank where he took major initiatives in IT and put the Bank on a robust CBS platform.

He started his career as Probationary Officer with Union Bank of India in the year 1974 and went on to become the General Manager. During his stint there, he handled General Banking, Rural Banking, treasury functions and overseas expansion. He was also on the Board of FIMMDA, National Insurance Company Limited, Industrial Investment Board of India (as CMD) and West Bengal Financial Corporation. He was also the Deputy Chairman of Indian Banks’ Association (IBA), Mumbai. Mr. Sen is an honours graduate from University of Calcutta and a CAIIB.

Ms. Thekedathumadam Subramani Raji Gain

Independent Director

Ms. Gain, is currently an Executive Director at Bankers Institute of Rural Development (BIRD).

She has significant experience in the field of agricultural and rural development. She has worked in various capacities in NABARD where she was involved in capacity building and conducted programmes on organisational and institutional development, microfinance, self-help groups, gender and participatory management. She is a postgraduate in Agricultural Physics from Indian Agricultural Research Institute, New Delhi.

Mr. Ranodeb Roy

Non-Executive Non-Independent Director

Mr. Roy is the co-founder and CEO of RV Capital Management Private Limited, an asset management company based in Singapore that he founded in November 2011.

He started his career with Bank of America in 1992 in Mumbai. He has worked at Merrill Lynch and at Morgan Stanley (Asia) Singapore Pte. as a Managing Director in the Fixed Income Division.

He holds an MBA from IIM, Ahmedabad, with a major in Finance and Marketing and a B.Tech. in Computer Science & Engineering from IIT, Kanpur.

Dr. Holger Dirk Michaelis

Nominee Director (Caladium Investment Pte. Ltd.)

Dr. Michaelis is currently a Senior Vice President of GIC Private Limited, overseeing portfolio, strategy and risk group. He has extensive experience in private equity and as a strategic adviser to financial services companies.

Previously, he was a Partner at the Boston Consulting Group where he worked in Germany and China.

Dr. Michaelis pursued his post-graduation in Business Administration (Finance) from UT Austin, USA and holds a doctorate degree in Economics from WHU Koblenz, Germany.

Dr. Allamraju Subramanya Ramasastri

Additional Director (Independent)

Dr. Ramasastri is presently the Director of Institute for Development and Research in Banking Technology (IDRBT). He is also on the Boards of IDBI Intech Limited, Data Security Council of India, Indian Financial Technology and Allied Services and Indian Institute of Banking and Finance.

He was the Chief General Manager-in-charge of Department of Information Technology at the RBI where he spearheaded significant projects including the implementation of the Next Generation RTGS, adoption of XBRL and ISO 20022, and preparation of IT Vision of RBI for 2011-17.

He guided Bank of Mauritius, Bank of Malaysia and Bank of Uganda on implementation of Data Warehouse and XBRL. At the International Monetary Fund and Bank of International Settlements, he delivered talks on standards and technology for data reporting. He has authored two books titled ‘Quantitative Methods for Valuation of Assets’ and ‘Quantitative Methods for Banking and Finance’.

He holds a Ph.D. in Finance from IIT, Madras and was a top ranker in M.Sc. (Statistics), Madras University.

Mr. Santanu Mukherjee

Additional Director (Independent)

Mr. Mukherjee is currently on the Boards of Suven Life Sciences Limited, Donear Industries Limited and Bhanix Finance and Investment Limited.

He is the former Managing Director of State Bank of Hyderabad. He has around four decades of experience in the fields of banking, finance and risk management in various capacities. From 2013 to mid-2014, he was the acting Chief General Manager of State Bank of Bikaner and Jaipur. He has also worked as a CEO of State Bank of India, Paris, from 2004 to 2008. He holds a B.Sc. (Hons.) from Presidency College and is a CAIIB.