Senior Management

Abhisheka Kumar
(Chief Financial Officer)
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 :
(Chief Operating Officer)
He is the Chief Operating Officer of The Company and heads Operations. 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 as his last assignment, he was General Manager there and was part of head office operation team. He has attended several training programs in and outside India, including visit to Grameen Bank, Bangladesh, Boulder Program held in Italy and IIM Ahemedabad.

Rahul Dey :
(Head - Information Technology & Administration )
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.

Arup Kumar Dutta :
(Head - Liabilities)
He has been associated with the banking and financial sector all throughout his career, spanning 23 years. Prior to joining Utkarsh, he worked with Axis Bank in the corporate as well as retail banking verticals in senior leadership roles. He has handled responsibilities in the areas of Retail Branch Banking, Corporate Liabilities, Cash Management Services and Government Business including Financial Inclusion initiatives. Earlier, he was with Unit Trust of India, handling assignments related to Sales &Marketing (strategic planning), Accounts and Operations. He is an Economics graduate from Visva - Bharati University, standing First in the Order of Merit and holds post graduate degree from Himachal Pradesh University, PGDBM (IISWBM, Kolkata), PGCHRM (XLRI, Jamshedpur) and JAIIB (IIB&F, Mumbai).

Vivek Kashyap :
(Head - Micro Enterprise Loan & Housing)
He is an MBA from Institute of Rural Management, Anand. He has over 7 years of experience in Microfinance, Housing Micro finance, sales and marketing. Prior to Joining Utkarsh, he was with Swarna Pragati Housing Microfinance Private Limited as Assistant Vice President, responsible for Maharashtra state Credit and Operations related activities. Apart from this, he has also worked in various capacities with SKS Microfinance and had started SKS operations in Vidharbha Region of Maharashtra. He has also headed the process training department at SKS for a brief period of time. His last assignment at SKS was as Zonal Manager, responsible for Maharashtra and Gujarat state. He has also worked with TATA Motors and FINO Ltd. At TATA Motors, he was responsible for sales and marketing in Rural Part of Western UP and Uttarakhand.

Pankaj Kumar Singh :
(Head - Internal Aduit)
He is an MBA from Institute of Rural Management, Anand (IRMA). He has more than 8 years of exposure across Microfinance, Relationship Management, Corporate Banking, Business Development & Direct Sales. Prior to joining Utkarsh, he was Area Head - TASC (Direct Sales) at HDFC Bank Ltd.
Prior to that, as Relationship Manager in Microfinance Division at HDFC Bank, he was responsible for pre-sanction credit appraisal, post disbursement monitoring & compliance and handling relationship of North and East based MFI for Bank. He was also responsible for sales & business development, key account management, new account acquisition, people management and building healthy professional relationship with clients.

Ashwani Kumar :
(Head - Training and Corporate Communication)
He is an MBA from Institute of Rural Management , Anand (IRMA) and has over 8 years of industry experience. Prior to joining Utkarsh, he served NABARD Financial Services Ltd. (NABFINS)as AGM (Finance) for over 2 years. Prior to that he was with Canara Bank as Manager for over 5 years and 8 months at its Priority Credit Wing, Head Office, Bangalore, handling Agri-Business, Priority Small Loan NPA Management and Consultancy Services with active involvement in setting up of Bank's Financial Inclusion Wing. Out of his interest, he has taken several sessions on PSL, Agri-business and NPA Management at Banks, Colleges, CAB-RBI (Pune) and NIBM (Pune). He has publications in CAB-RBI's annual book and 'Farm Digest'. He started his career as a Research Associate with Locus Research and Consultants Pvt. Ltd, New Delhi and undertook projects for Ministry of Rural Development, GoI and other agencies. He has also done CFA from ICFAI (India) and CAIIB with other Diplomas and Certifications from IIBF. He has UGC Net certification in Management and is a lifetime member of CFA Council (CCFA, India) and IIBF (India)

Raghvendra Singh :
(Head -Vigilance and Security)
He has over 40 years of rich experience in public domain and supervision of the teams. He joined the Uttar Pradesh Police Department directly as a Sub-Inspector in 1975 and retired as Deputy Superintendent of Police (DSP) in 2015. During this, he had hands on experience of over 18 years of Vigilance / Anti-Corruption work, other than the normal police roles.He has also received many rewards and medals from State Government and President of India. The prominent ones being, Gallantry Medal (1985), Sarahniya Sewa Padak (1989), Utkristha Sewa Padak (1995), United Nations Peace Medal (1996), President Medal (1996) and President Police Medal (2007).

Pravin Kumar :
(Head - Compliance)
He has over 12 years of experience nationally and internationally while working with Bank and Micro Finance companies. Prior to Utkarsh he was with Accion International for six years to support their partner institutions in India and Myanmar. Apart from this he has also worked with ICICI Bank (handling sales and institutional development), Ujjivan Financial Services and Share Micro Finance (handling product development of group and individual loans). While working with these companies he also gained experience in Strategy and Policy, Audit and Risk. He is Post Graduate Diploma in Rural Management from Xavier Institute of Management, Bhuneshwar.

Rahul Kumar Singh :
(VP - Operations : Delhi - NCR & MP - MH Hubs)
He is an MBA from Indian Institute of Forest Management, Bhopal and has over 11 years of industry experience. Prior to joining Utkarsh, he has worked with Muthoot Fincorp Ltd. as Chief Manager, responsible for microfinance operations in Uttar Pradesh, Madhya Pradesh and Gujarat. Prior to that he was with Arman Finance Ltd as Operations Head. He has also worked with SKS Microfinance Ltd for more than 5 years and Deworm the World Initiative (currently Evidence Action), for their deworming program in Delhi and Rajasthan. He started his career at Usha Martin Industries Gamharia plant, near Jamshedpur, Jharkhand.

Palash Ghoshal :
(Zonal Manager - Bihar)
He has 15 years of working experience in the field of micro & macro finance and rural livelihoods. His last assignment before joining Utkarsh was with ICICI Bank as Regional Head Sales- Farm Equipment. He has also worked with BASIX as State Head in SUB-K (an entity of BASIX Group) spearheading Financial Inclusion initiative in Chhattisgarh State. Prior to SUB-K he was looking after micro finance initiative of BASIX in Chhattisgarh & Madhya Pradesh. He has exposure of working in various states such as Bihar, Chhattisgarh, Madhya Pradesh, Maharashtra and Uttar Pradesh. He is Graduate in Agriculture from Jawaharlal Nehru Agriculture University, Jabalpur and also holds Master's in MPhil in Agri Economy.

Sanjay Singh :
(Zonal Manager)
He has more than 11 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.

Shyam Sunder Rai :
(Head - Accounts)
He is a Chartered Accountant by profession with over 14 years of experience in Accounts, Taxation and Audit in large and medium sized finance industries. He has also qualified diploma course in Information system audit by ICAI. He served in Cashpor Micro Credit for over a year as Head of Accounts. He has also experience of accounting of Electricity distribution companies, Coal companies, banks and insurance companies.

Arvind Kumar :
(DVP - Product & Support)
He is an MBA from Indian institute of Planning & Management (IIPM), New Delhi. He has more than 6 years of experience in Banking Sector with exposure of Retail Branch Banking and Rural Micro & Agri Business Group. Prior to joining Utkarsh, he was with ICICI Bank in Branch Banking.

Abhishek Verma :
(AVP - Information Technology)
He is an IT professional and was the Head of IT in Sonata Finance Pvt. Ltd, and has more than 8 years experience in microfinance sector. He has good understanding of computer hardware and software with proven ability to provide service focussed technical support-both remote & onsite-to achieve effective trouble shooting and efficient resolution of issues.

Ashish Singh :
(AVP - Product and Marketing)
He has more than 9 years of Experience in Banking and Education Sectors with exposure of Retail Branch Banking and Risk Management Departments. His Last Assignment before joining Utkarsh was with ICICI Bank as a Regional Risk Manager. He has deep knowledge of control functions in the Banking Environment and was responsible for the Internal as well as Regulatory Compliances of 25 branches of ICICI Bank Ltd in Eastern Uttar Pradesh. He has also worked with The Institute of Chartered Financial Analysts of India (ICFAI) as a Project Manager for their Business School Project(ICFAI National College) in NCR and Varanasi. He Holds a Post Graduate Degree in English Literature from Mahatma Gandhi Kashi Vidyapeeth.

Indra Deo Pandey :
(AVP - Responsible Finance)
He is an MBA (Finance), and LL.B. He has more than 12 years of experience in Micro Finance, Social and legal sector. Prior to joining Utkarsh, He was working as District Finance Manager in a Social venture company named as UPASAC- an undertaking of Uttarakhand Government. His key responsibility was to look after the financial and administrative responsibility of the district operations. Before UPASAC, he worked with a Micro Finance company, looking legal, secretarial, and administrative function and conducting various statutory as well as organizational meeting and preparation of statutory documents for filling to ROC. He has attended several training programs on SPM, Risk Management and Client Protection Initiative.

Priyanka Singh :
(AVP - Human Resource)
She is an MBA from Institute for Integrated Learning in Management, Gurgaon. She has more than 8 years of experience in Microfinance and Insurance Sector with exposure of various related domain. Prior to joining Utkarsh, she has worked with Bharti Axa Life Insurance.