About Us

Mr. M S Sriram joined the Board of the Bank in October, 2019. He is a graduate from Institute of Rural Management, Anand and has completed his doctoral studies at the Indian Institute of Management, Bangalore. He has more than 35 years of experience in Banking, Economics, Finance, Business Management, Accountancy, Financial Inclusion & Microfinance, Rural Economy, Co-operatives, Agriculture Finance.

Presently, Professor at the Centre for Public Policy at IIM Bangalore (IIMB). Prior to this, he was Professor of Finance and Accounting and the ICICI Bank Lalita D Gupte Chair, Professor of Microfinance at the Indian Institute of Management, Ahmedabad. He also held position as a shareholder director on the Board of Union Bank of India for a period of 6 years. He has authored many books including annual ‘Inclusive Finance India Report’ for the years 2015, 2016 and 2017.

Special Knowledge and practical experience in fields of Accountancy, Agriculture and Rural Economy, Banking, Human Resources, Co-operation, Economics, Finance, Business Management, Financial inclusion and Rural Banking.

Mr. H. R. Khan joined the Board of AU Small Finance Bank in December 2021. He is a career central banker and has a vast experience of over four decades in the areas of Banking & Finance, Information Technology, Payment & Settlement systems, Economics, Financial Markets, Human Resources, Risk Management and Financial Inclusion. He has handled leadership positions as the Deputy Governor & the Executive Director at the Reserve Bank of India.

He has expertise of over 38 years in the field of finance and with the RBI, where he handled diversified areas and spearheaded major projects relating to financial markets, foreign exchange management, external investments, banking regulation and supervision, IT transformation, payment and settlement systems, training and HR initiatives, and financial inclusion.

Mr. H. R. Khan holds the Master of Arts from Utkal University, Bhubaneswar; Master of Philosophy from Jawaharlal Nehru University, New Delhi; Diploma in Business Management from Narsee Monjee Institute of Management Studies, Mumbai. He is also a Certified Associate at the Indian Institute of Banking and Finance.

He has chaired the Committee on Rural Credit and Micro finance which focused on expansion of banking network through Information and Communications Technology enabled business correspondents. The Committee also focussed on the Inter-Regulatory Corporate Debt Working Group which made several important recommendations for development of the Corporate Debt Market in India, as well as the Working Group on the Regulations for the Foreign Portfolio Investors (FPIs) set up for simplification, liberalisation and rationalisation of the portfolio flow regulations set up by the SEBI. He was also the member of the Committees on Digital Payments set up by the Government of India and the RBI. He also chaired the Corporate Bond and Securitisation Committee (CoBoSAC) of the SEBI. Currently, he is a member of the Standing Committee on FPIs of the SEBI.

In the past, he has served on the Boards of the India Mortgage Guarantee Corporation, NSE Clearing Ltd., PTC India Financial Services Ltd., and Bandhan Bank Limited besides being the Nominee Director of the Reserve Bank of India. He was also a part of the board for Dena Bank, Bank of Maharashtra, Punjab & Sind Bank, Bank of Rajasthan, National Bank for Agriculture and Rural Development, National Housing Bank, Reserve Bank Information Technology Private Limited and the Orissa State Finance Corporation.

Mr. Jagajit Mangal Prasad (Mr. J.M. Prasad) joined the Board of the Bank in July 2025. He is a seasoned Human Resources professional with over 3 decades of leadership experience, including 16 years in the Banking and Insurance sectors. He has a proven track record in formulating and executing human capital strategies, leading organizational transformation, and managing change across diverse business environments, including multinational corporations, large enterprises, and promoter-led organizations.

He holds an Honours Diploma in Personnel Management and Industrial Relations from XLRI, Jamshedpur, a Postgraduate degree in Mass Communications from XIC, Mumbai, and a Bachelor of Commerce degree from R.A. Podar College of Commerce and Economics.

He served as the Chief of Human Resources at ING Vysya Bank and Group Head – Human Resources at Kotak Mahindra Life Insurance Company Limited. Prior to his tenure in the banking sector, he held senior HR leadership roles at Tata Elxsi and Subex Ltd.

He has special Knowledge and practical experience in the fields of Human Resources, Banking and Business Management.

Mr. Kamlesh Shivji Vikamsey joined the Board of the Bank in April 2022. He is fellow member of the Institute of Chartered Accountants of India and he holds bachelor’s degree in commerce from the University of Mumbai. He has vast experience of over 40 years in the areas of Auditing, Taxation, Corporate & Personal Advisory Services, Business & Management Consulting Services, Due Diligence & Valuations, Inspections & Investigations and Sustainability. He also held leadership & directorship positions in various Companies/Institutions nationally & globally.

Currently, he is Senior Partner of KKC & Associates LLP (formerly known as Khimji Kunverji & Co. LLP), Chartered Accountants with specialization in Audit, Internal Audit, Taxation and Management Advisory Services. He also holds the position as Vice Chairperson of the Independent Advisory Oversight Committee (IAOC) of World Intellectual Property Organisation (WIPO), Geneva & member of Oversight Advisory Committee (OAC) of United Nations Population Fund (UNFPA), New York.

He has previously served as Member of Audit Oversight Committee (AOC) of the World Metrological Organization (WMO) Geneva, Chairperson and member of the Independent Management Advisory Committee (IMAC) of the International Telecommunication Union (ITU), Geneva, Chairperson and member of the Audit Advisory Committee (AAC) of the United Nations International Children’s Emergency Fund (UNICEF), New York, Chairperson and member of External Audit Committee (EAC) of the International Monetary Fund (IMF), Washington DC, Chairperson and member of Audit Advisory Committee (AAC) of the United Nations Development Program (UNDP), New York, and Audit Advisory Board constituted by the Comptroller and Auditor General of India.

He has also served in the capacity of President of the Institute of Chartered Accountants of India and the Confederation of Asian and Pacific Accountants and as a member of the Board of the International Federation of Accountants.

Presently, he is Director on the Board of:

- Navneet Education Limited

- Nuvama Wealth and Investment Limited

- Nuvama Wealth Finance Limited

- Nuvama Wealth Management Limited

Ms. Kavita Venugopal joined the Board of the Bank in March 2023. She holds Master of Business Administration (MBA) from Faculty of Management Studies, University of Delhi & Bachelor of Arts (BA), Economic Honours from Lady Shri Ram College, University of Delhi and she has also completed Certificate program by FICCI Women on Corporate Boards Mentorship.

She has been a career banker with over 4 decades of experience in the areas of Banking & Finance, Risk Management, Economics, Business & Strategy, Customer Management, Leadership / Human Resource Management, Corporate Governance, Investment Banking/Fund Raising and Financing to SME & Mid Corporates including leadership positions with various Multinational Banks and Private sectors Banks in India. She was Chief Executive Officer (CEO) of Abu Dhabi Commercial Bank (ADCB), India from May 2012 to December 2014, and before that, she led various teams at Standard Chartered Bank & ANZ Grindlays Bank apart from various other private sector banks.

She has relevant knowledge and vast experience in the areas of Banking & Finance, Risk Management, Economics, Business & Strategy, Customer Management, Leadership/Human Resource Management, Corporate Governance, Investment Banking/Fund Raising and Financing to SME, SSI & Mid Corporates.

Presently, she is Director on the Board of:

 - Munjal Showa Limited

 - A G Industries Pvt Ltd

 - Rockman Industries Limited

 - PNB MetLife India Insurance Company Limited

 - Pipeline Infrastructure Limited

 - EnCap Investment Manager Pvt. Ltd

 - Oracle Financial Services Software Ltd

Ms. Malini Thadani joined the Board of AU Small Finance Bank in November 2022. She has completed a Diploma Programme for Non-Executive Directors, conducted by Financial Times in Hong Kong, a Programme in Social Entrepreneurship from INSEAD, Paris, France and the Cycle Special Etranger, at the Ecole Nationale D’Administration in France. She has a acquired a Certificate of Public Administration and a Master’s Degree from Ohio University, USA, a Master’s Degree in History from Hindu College, University of Delhi and a Bachelor’s degree in History from Lady Shri Ram College, University of Delhi.

Her two careers in the Indian Revenue Service and with HSBC in India and Hong Kong, spanned over 4 decades and have given her knowledge and experience in the areas of Sustainability, CSR, Public Affairs, Business Management, and Risk Management. She was Head of Sustainability, Asia, at the HongKong and Shanghai Banking Corporation Limited in Hong Kong and has held leadership positions in the areas of Communications, Sustainability, CSR, and Public Affairs at HSBC India. Before that, she held senior positions in the Indian Revenue Service from 1980 to 1995.

She is visiting faculty at the Indian School of Development Management (ISDM) where she teaches a course on CSR, Sustainability and ESG.

As Independent Director on corporate Boards and not-for-profits, she advises organisations to future proof themselves by effectively integrating sustainability and ESG into their strategic vision. She is skilled in designing, developing and implementing large-scale, complex, cross-border sustainability projects in partnership with global and regional think tanks, not-for-profits, and academia, specialising in areas including livelihoods, employability, entrepreneurship, sustainable finance, and environmental resource security.

She has special knowledge and practical experience in the fields of Banking, Risk Management, Business Management, Sustainability & Sustainable Finance, ESG, Public Affairs, and CSR.

Presently, she is Executive Director of the World Monuments Fund India Association, a Section 8 Company that works for heritage conservation in India.

She also serves as Director on the Boards of:

 - Mirae Asset Investment Managers (India) Private Limited

 - Lighthouse Communities Foundation

 - Access Development Services

 - Max Estates Limited

 - Max Financial Services Limited

 - WOTR Consulting Forum

Mr. Nandkumar Saravade joined the Board of the Bank in May 2025. He holds Masters’ degree from Indian Institute of Technology, Bombay. He is a seasoned IT strategy advisor and Board member with over 36 years of rich experience across law enforcement, banking, cybersecurity, Fraud Risk Management and technology management.

He handled leadership positions at Reserve Bank Information Technology Private Limited (ReBIT) and at Data Security Council of India (DSCI). As the founding CEO of ReBIT, a subsidiary of the Reserve Bank of India (RBI), he built a robust team, advancing cybersecurity, technology management and innovation in financial technology. Under his leadership, ReBIT became a strong service provider in IT security, regulatory compliance and data science initiatives for RBI. He also served on the Malegam Committee on NPAs and Bank frauds. In past, he chaired Protean InfoSec and Protean Account Aggregator. He is currently a member of SEBI’s Information Systems Security Committee (ISSC).

Before ReBIT, he was the CEO of the DSCI, focusing on cybersecurity policy and industry development. He also held senior roles at Citibank India and ICICI Bank, specializing in fraud risk management, regulatory compliance, and financial crime prevention. His earlier career in law enforcement included a distinguished tenure in the Indian Police Service (IPS) from the 1987 batch, where he also worked with the CBI on economic crimes and anti-corruption enforcement.

Presently, he is Director on the Board of:

- Jio Blackrock Asset Management Private Limited

- Protean eGov Technologies Limited

Mr. N. S. Venkatesh joined the Board of the Bank in November 2025. He is a Chartered Accountant and a Science graduate from Kerala University. He holds Diplomas in Management and Financial Services and is a Certified Associate of the Indian Institute of Bankers (CAIIB) and the Indian Institute of Banking and Finance (IIBF).

He possesses specialized knowledge and practical expertise in Risk Management, Treasury operations, Accountancy, Banking, Business Management, Economics, Finance and International Banking.

With a distinguished career spanning over 4 decades in the banking and financial services sector, including more than 20 years in Treasury and International Banking, he has held several pivotal leadership positions. His tenure at the Industrial Development Bank of India (IDBI) extended for over 19 years, during which he served in senior leadership roles such as Chief Financial Officer and Executive Director. Additionally, he has held positions as Chief Executive Officer of the Association of Mutual Funds in India (AMFI) and Executive Director at Lakshmi Vilas Bank.

He has been an active member of various committees and working groups of the Reserve Bank of India (RBI). He has chaired the Fixed Income, Money Markets & Derivatives Association (FIMMDA) and served as a Committee Member of the Foreign Exchange Dealers’ Association of India (FEDAI). He was also an invitee-ex officio to SEBI’s Mutual Funds Advisory Committee and a member of SEBI’s Corporate Bonds and Securitization Advisory Committee (CoBoSAC).

Presently, he is Director on the Board of:

Clearcorp Dealing Systems (India) Limited

Legal Entity Identifier India Limited

Bandhan Mutual Fund Trustee Limited

Acuite Ratings & Research Limited

Indel Money Limited

PAYTM Money Limited

Carnelian Asset Management & Advisors Private Limited 

Athachi Finserv Private Limited

Integro Finserv Private Limited

Dharmishta Mithran (A non-profit organisation)

Mr. Phani Shankar joined the Board of the Bank in January 2026. He is a seasoned Financial Services professional with over three decades of experience spanning Credit & Risk Management, Commercial Banking, Treasury and Financial Markets. Within his Financial Markets career of more than 26 years, he has managed ALM, Trading, and Sales functions across diverse asset classes, including Foreign Exchange, Fixed Income, Derivatives, and Equities. His contributions include formulating and implementing ALM and FTP frameworks through various organizational and market transitions, building exceptional client franchises, and consistently delivering profitable trading books across asset classes. In his roles in credit and risk, he led an underwriting team of over 2,500 professionals, driving scale with rigor and resilience, and was instrumental in developing some of the most advanced technology and data platforms in the industry.

He holds a Post Graduate Programme in Management from IIM Ahmedabad and a Bachelor of Engineering from NIT Allahabad. He possesses specialized knowledge and practical experience in the fields of Banking, Business Management, Economics, Finance, Risk Management, Small scale Industry and Treasury.

He has served as Chief Credit Officer at Kotak Mahindra Bank, where he also held key leadership positions, including Chairman of the Credit Committee, member of ALCO, member of the Bank Operating Committee, and Senior Management Personnel of the Kotak Group. Additionally, he served as a Director on the Boards of Kotak Mahindra Investments Ltd. and Kotak Infrastructure Debt Fund. Prior to this, he was Co-Head of Treasury at Kotak Mahindra Bank and earlier headed Financial Markets at ING Vysya Bank for approximately eight years. His prior experience includes senior roles in Financial Markets at Standard Chartered Bank and IDBI Bank.

Presently, he is Director on the Board of:

1. Vishya Learning Solutions Private Limited
2. APAC Financial Services Private Limited

Mr. Satyajit Dwivedi joined the Board of the Bank in November 2025. He holds a Bachelor of Science in Physics and a Master of Science with specialization in Semiconductor Physics from Utkal University. He is a Certified Associate of the Indian Institute of Bankers (CAIIB) and holds a Diploma in Microfinance from the Indian Institute of Banking and Finance.

He is an eminent and highly accomplished development finance professional with an illustrious career spanning over 35 years in the domains of Agriculture and Rural Economy, Microfinance, Co-operation, Banking, Business Management, Finance, Financial Inclusion and Risk Management.

He started his career with Bank of India and then held several senior cadre positions in NABARD. He has been an acclaimed faculty member at the prestigious College of Agricultural Banking (CAB) of the Reserve Bank of India (RBI). He has held the position of Managing Director & Chief Executive Officer of Nabkisan Finance Ltd. He also served as the Chief Executive Officer of the National Centre for Financial Education (NCFE).

His exceptional leadership and contributions earned him recognition among the “100 Most Influential Leaders in Banking and Financial Services Institutions” by The Economic Times in the year 2017.

Mr. Sanjay Agarwal is the Founder, MD & CEO of AU Small Finance Bank. A first-generation entrepreneur and a merit-ranking Chartered Accountant, Mr. Agarwal brings over three decades of strategic leadership and executive experience to the financial sector. He holds a Bachelor of Commerce degree from Government College, Ajmer, and possesses deep domain expertise across Banking, Finance, Risk Management, Rural Economics, and Business Strategy. 

In 1996, Mr. Agarwal founded AU Financiers with a mission to bridge the credit gap for small-scale entrepreneurs and underserved populations in rural and semi-urban India. Under his visionary leadership, the institution underwent a historic transformation in 2017 to become AU Small Finance Bank. Today, it stands as India’s largest small finance bank, recognized for setting industry benchmarks in financial inclusivity and operational agility. 

Renowned for his execution-oriented approach, Mr. Agarwal has fostered a corporate culture rooted in business excellence and superior performance. He has been instrumental in elevating the Bank’s standards of corporate governance, ensuring robust transparency and high-level engagement with global stakeholders. 

His contributions to the industry have earned him numerous prestigious accolades, including the EY Entrepreneur of the Year (2018), ET Now’s Innovative Leader of the Year, and the Business Leader of the Year award from the ICAI. He has also been honored as the ET Gamechanger of India (2019) and recognized as the Personality of the Year (Finance) at the Rajasthan Entrepreneur and Excellence Awards.

Mr. Uttam Tibrewal, Deputy CEO is a seasoned executive who has served on the Company’s Board since January 2005 to April 2026 as Whole Time Director. A Commerce graduate from the University of Delhi, he brings over 27 years of extensive experience in the financial services sector, with deep domain expertise in Agriculture and Rural Economy, Small Scale Industry, Banking, Risk Management, and Business Strategy.

Mr. Tibrewal’s profound operational knowledge and strategic foresight have been instrumental in the rapid scaling of the Bank’s retail business. He holds supervisory responsibility for a diverse portfolio, including Retail Assets—comprising Wheels, Secured Business Loans, Home Loans, and Agri-SME Loans—as well as Branch Banking, Marketing, Video Banking, and Personal Banking. Distinguished by his ability to accurately evaluate customer expectations, he has consistently championed the simplification of processes and customer-centricity as foundational pillars for the organization’s long-term success and sustainability.

Mr. Divya Sehgal joined the Board of the Bank in April 2024. He holds bachelor’s degree in electrical
engineering from IIT, Delhi and Post Graduate Diploma in Management from IIM, Bengaluru.

He was founder and Chief Operating Officer of Apollo Health Street, a leading healthcare outsourcing firm and one of the top five in its space globally. He has also worked as consultant with McKinsey, with Corporate Finance Team at ANZ and as an entrepreneur at E-medlife, a Corporate healthcare advisory firm.

He is currently associated with True North as a Partner and responsible for investments and scaling up of businesses in the financial services sector.

Presently, he is Director on the Board of:

 - Home First Finance Company India Limited- Nominee Director

 - Protec General Insurance Limited- Director

Mr. Krishan Kant Rathi joined the Board of Directors of AU Financiers (India) Limited in March 2008. He has rich experience of over 34 years in domain of Corporate Finance & Accounts, Capital Markets, Banking and Audit. He led the development of robust systems driven processes, improving working capital management, risk management, treasury management, strategic business planning, mergers & acquisitions, overseas investments and investor relations. He is a Commerce graduate from the University of Rajasthan, a rank-holder Chartered Accountant from the Institute of Chartered Accountants of India and Qualified Company Secretary from The Institute of Company Secretaries of India. His eyes for detail, diverse exposure of Manufacturing & Service sector sets him apart from other Business leaders.  He has held various positions handling key responsibilities at some of India’s most respected business houses viz. Future Group as the Group – CFO, H & R Johnson (I) Limited as President (Finance), KEC International Limited as Controller Corporate Finance, Future Consumer Limited (erstwhile Future Ventures India Limited) as CEO and Executive Director. Presently, he serves on the Board of Future Consumer Limited, Future Generali Life Insurance and Future Generali India Insurance Limited as the Non Executive Director.

Special Knowledge and practical experience in field of Accountancy, Banking, Economics, Finance , Law , Risk Management and Business Management.

Mr. Narendra Ostawal was earlier associated with our Bank as Nominee Director since 2018 and as Non-Executive Director from July 2019 to October 2020. He is a Commerce graduate from Bengaluru University and an all-India rank holder Chartered Accountant. He has also completed postgraduate diploma in Business Management from Indian Institute of Management (IIM), Bengaluru.

He currently serves as the Managing Director of Warburg Pincus India Private Limited(WPIPL). He is engaged with Warburg Pincus investment advisory activities and evaluates opportunities in the healthcare and financial services sectors.

Mr. Raj Vikash Verma joined the Board of Directors of AU Small Finance Bank Limited in January 2018. He took charge as Part-time Chairman (Independent Director) (Non-Executive) of Bank in 2020 post receipt of approval from RBI and on retirement of Mr. Mannil Venugopalan from the position of Chairman. Mr. Verma has vast and diversifed experience of over 40 years in fields of Finance, Economics, Banking, Regulatory Compliances, Housing & Mortgage Finance and the Real Estate Sector.He has completed his graduation and post-graduation in Economics from Delhi University, Master’s degree in Business Administration from FMS, Delhi University and Certified Associate of the Indian Institute of Bankers (CAIIB).
Mr. Raj Vikash Verma, has held several leadership positions during his illustrious career in the Financial Services sector including many top management and Board positions, viz. Chairman and Managing Director (CMD) of National Housing Bank (NHB), Whole Time Director and Chairman of CERSAI, Non-Executive Director/Chairman of the India Mortgage Guarantee Corporation and Whole  Time Member & Officiating Chairman of Pension Fund Regulatory and Development Authority (PFRDA). He was consultant to the World Bank Group on Housing, Real Estate and Mortgage Sector and appointed as Member on the Advisory Committee of the Insolvency and Bankruptcy Board of India (IBBI). He also served as Member on a number of Committees appointed by the Government of India and Reserve Bank of India, and has played key roles in the formulation of various national level schemes and programmes on affordable and low-income Housing, Securitisation, informal sector and Micro housing finance and several other groundbreaking Initiatives and Projects.

Special Knowledge and practical experience in field of Banking, Economics, Finance, Risk Managment and Business Management.

Mr. Vivek Tripathi is a distinguished leader with more than two decades of demonstrated excellence in building, scaling and safeguarding high-quality institutions. Over his career, he has earned a reputation for strategic foresight, rigorous execution discipline, and an unwavering commitment to balancing growth with institutional resilience.

Mr. Vivek Tripathi joined the Bank in 2014 and has played a defining leadership role in multiple assignments during his 12 years tenure with the Bank. Under his leadership, the Commercial Banking portfolio has demonstrated sustained growth, with strong momentum, supported by robust on-ground execution and rising customer confidence. He has overseen the development of a well-balanced and scalable loan book, complemented by meaningful deposit mobilization, strengthening the Bank’s liability franchise. His focus on innovation-led growth channels, including digital trade and remittance solutions, has further expanded AU’s engagement with MSMEs and emerging enterprises, laying the foundation for long-term, technology-enabled growth, strengthening AU’s competitive position in commercial banking.

In his earlier assignment as Chief Credit Officer, he provided enterprise-wide stewardship of AU’s credit architecture, bringing Credit, Policy & Underwriting, Portfolio Management, Collections, Legal Recovery & Corporate Legal, Vigilance and Fraud Control under a single governance umbrella. The focus is prudent risk-taking, consistent standards and early-warning discipline that supports growth without compromising resilience.

He has institutionalised a risk appetite framework with sectoral limits, strengthened underwriting and account monitoring, and enhanced stress-testing and collections effectiveness. This has improved portfolio predictability and reinforced balance-sheet stability.

An alumnus of IIM Lucknow with executive education from ESCP Business School, Paris and an M. Tech from VJTI, University of Mumbai, he brings wealth of experience across ICICI Bank, Reliance Capital and the Aditya Birla Group, having navigated multiple credit cycles and complex corporate ecosystems. He will further fortify analytics, underwriting and recovery capabilities, aligning portfolio strategy with AU’s growth ambitions while safeguarding depositor confidence and protecting shareholder capital.

Ms. Jyoti Narang joined the Board of the AU Financiers (India) Limited in March 2015. She has diverse experience, spanning strategic planning, brand building and customer centricity to the Board. She has completed her MBA in Finance with additional specialisation in Marketing from Faculty of Management Studies, Delhi, and BA in Economics from Lady Shriram College, University of Delhi and has completed Advanced Management Programme from Harvard Business School, USA.

She has worked across manufacturing and the service sector with over 20 years in a senior leadership role at the Taj Group of Hotels. As Global Head of Marketing and Chief Operating Officer, the Company won global accolades for its superlative level of service under her guidance. She also served on the Big Data committee for the Tata Group. As a passionate tourism advocate, she co-created the first Incredible India campaign to market India globally. As a champion for women advancement, she founded the India chapter of Women Corporate Directors.

Special Knowledge and practical experience in field of Banking, Economics, Finance, Human Resources, Business Management, Hospitality & Customer Service.

Mr. Pushpinder Singh joined the Board of the Bank in October 2019. He is a BSc graduate and a Certified Associate of Indian Institute of Bankers (CAIIB-1).

He is a Banking Technology expert with over 38 years of rich experience in Banking, Information Technology, Payment and Settlement Systems, and Business Management. In his career, he focused on technological advancement and implementing IT as a key enabler in the Banking sector. With a humble beginning at the Bank of India, his career progressed, and he was promoted to Chief Information Officer (CIO), where he was responsible for IT infrastructure, and implementation of various IT systems and projects. His valuable contribution to the IT Sector was duly acknowledged and he was awarded the CIO Masters award in year 2013.

He was awarded a certificate of completion for the international program on information assurance and management for executives of Banks and Financial Institutions from the University of Buffalo, the State University of New York.

He was associated with the National Payment Corporation of India (NPCI) as an advisor on FI and new Business till 2017. At NPCI, he headed as product and business development lead for AePS products using Aadhaar authentication for payments using Micro ATMs. 

He has special knowledge and practical experience in the fields of Banking, Information Technology, Payment & Settlement Systems and Business Management.