Senior Management



Abhisheka Kumar:
He is an MBA from Institute of Rural Management, Anand (IRMA). He was the Regional Head- Microfinance Division, for North Region before he moved to Utkarsh. In ICICI Bank, he handled various responsibilities in Microfinance Division, both in Product & Relationship Management function . His key responsibilities in Product role were- Product development (which included end to end process from conceptualization to launch to scaling up of product) custodian of micro finance policy and operating guidelines. As a Regional Head for microfinance business in Northern Region, he was responsible for growth in business, profitability, stressed assets management and client monitoring. Before ICICI Bank, he worked with Friends of Women's World Banking (India) (FWWB), Ahmedabad . His key responsibilities in FWWB were monitoring and providing Technical Assistance to nearly 35 Micro Finance Institutions in Tamil Nadu, Kerala, Andhra Pradesh, W. Bengal and Orissa. Prior to his MBA from IRMA, he had a stint with Times of India for 2.5 years.


Trilok Nath Shukla:
He was the General Manager in Cashpor Micro Credit, Varanasi and was part of Head office Operations Team. In addition he also headed Human Resources Division. Earlier he was heading the Mirzapur district, which is the oldest and largest district in terms of portfolio. He is an MA in Sociology from Purvanchal University, UP and holds Advance Diploma in Rural Technology Development and Management from IERT Allahabad. He joined Cashpor in September 1997 and since then has handled various responsibilities in Operations, Audit, Risk & HRD. He has attended several training programs in and outside India, including visit to Grameen Bank, Bangladesh, Boulder Program held in Italy and IIM Ahemedabad


Sulabh Jain:
He is an MBA from Symbiosis Institute of International Business. He has over 12 years of experience in Agri- Business & Micro Finance. His last assignment in ICICI Bank, before joining Utkarsh was as Relationship Manager for Micro Finance business of Eastern Uttar Pradesh & Bihar. Prior to micro finance, he handled small and medium enterprises, involved in agri-business to extend working capital finance and commodity based finance by assessing their credit worthiness on various financial and non financial parameters. Prior to ICICI Bank, he worked with Jain Agro Products- Ghaziabad and looked after formulation & standardization of protocols of new products to be introduced as well as looking at the production activity that included quality assurance, procurement of raw material and managing production team . He has also worked as an entrepreneur and was involved in cultivation and marketing of Cut Flowers, Exotic Vegetables and Mushrooms.


Rahul Dey:
He has over 9 years on experience in Banking and Microfinance. Prior to joining Utkarsh, he was with Ujjivan Financial Services Pvt Ltd as Regional Business Manager, responsible for their Individual lending business in East. Apart from this, he has worked in various capacities with organizations like, Ballarpur Industries Ltd, ICICI Bank Ltd, Spandana Spoorthy Financial Ltd and Anjali Microfinance Pvt Ltd. In ICICI Bank, as Regional Manager – West Bengal and North East, he was responsible for the Bank’s MFI business in the region for more than 3 years. He holds Post Graduate Diploma in Rural Management from Xavier Institute of Management, Bhubaneswar.


Shyam Sunder Rai:
He is an Chartered Accountant by profession with over 10 years of experience in Accounts, Taxation & Audit in large and medium sized finance industries. He served in Cashpor Micro Credit for over a year as Head of Accounts.

Sanjay Singh:
He has more than 8 years experience in micro finance operations. He was Assistant General Manager in Cashpor Micro Credit, Varanasi before he moved to Utkarsh. He has exposure in almost all the districts in Eastern UP. His last assignment in Cashpor was as the District Head of Mirzapur and handled the largest district for Cashpor in terms of portfolio. He has attended several training programs in and outside India, including visit to Grameen Bank, Bangladesh.

Abhishek Verma:
He is an IT professional and was the Head of IT in Sonata Finance Pvt. Ltd, and has more than 5 years experience in microfinance sector. He was associated with Sonata since its inception.

Indra Deo Pandey:
He is a law graduate & an MBA. He has more than 10 years experience in law, finance & secretarial matters.