bd1Mr. S.R. Sinha (Chairman Cum Managing Director)
promoted SAIJA with the objective of using his professional experience, knowledge and networking abilities to provide financial services to the poor and underprivileged people who have not been covered by the formal financial system. Mr. Sinha has over 35 years of experience in retail banking, housing finance, and insurance. An alumnus of Faculty of Management Studies (FMS), Delhi University, Mr. Sinha was the founding Managing Director of Maharishi Housing Development Finance Ltd (MHDFL), an NBFC, promoted by the Maharishi Foundation. MHDFL became a very strong player in the first 3 years of its operations with one of the best growth rate in the housing finance sector and a 100% recovery record. Under the innovative and dynamic leadership of Mr. Sinha in less than 4 years, asset under management of MHDFL increased from INR 200 million to INR 1000 million. Subsequently, the portfolio of the company merged with ICICI Bank. Mr. Sinha subsequently worked for Lord Krishna Bank, as Senior Vice President, Retail Assets and as Country Head – Cross Sell with Centurion Bank of Punjab. Six years ago, Mr. Sinha returned to Bihar and promoted SAIJA Consultants Private Limited which became the second franchise office of Reliance Life (out of 50 today) in the country. It was one of the first to achieve INR 30 million worth of business.

rashmi-singhMs. Rashmi Sinha (Whole Time Director), has over 30 years of experience in the field of human resources and management education. For 18 of those years, she worked at the Steel Authority of India Limited, the leading public sector steel giant, in the area of HR. Apart from exposure to the various areas of HR, Ms. Sinha participated as a member of the Core Team in Turn Around strategies for SAIL. She was involved in the implementation of a New HR Initiative at SAIL involving revised performance management systems, training and development initiatives and plant level study of various productivity parameters. Ms. Sinha has also been involved as a visiting and permanent faculty in reputed management institutes across Delhi. She has been conducting successful workshops on leadership, interpersonal effectiveness, change management, effective communication, and teamwork.

She has a number of publications to her credit which have found place in reputed management journals. She is an Economics Graduate from Lady Sriram College, Delhi University and MBA from Faculty of Management Studies, Delhi University.

bd3Mr. Ravi Shankar (Independent Director)
is the Founder Director of Brickwork Ratings, a credit rating agency licensed by Securities & Exchange Board of India (SEBI) and approved by RBI. He is the Chairman of the Criteria Committee and a member of the Rating Committee.Ravishankar is a financial professional with a rich experience of over 25 years in BFSI segment. Until Dec ’07, he was Managing Director of Asia-Pacific Risk Solutions Business of Standard and Poor’s and was simultaneously heading the India Risk Solutions Business as Executive Director, CRISIL Limited. As Asia-Pacific Regional head, he was responsible for providing risk solution services to banks in countries implementing Basel II standardized and IRB (foundation and advanced) approaches.
He was Executive Director & CFO for CRSIL Ltd, until October 2005 and in his CRISIL role, he has introduced a number of Investment & Risk Management tools for use at Banks and Financial Institutions. Ravishankar takes active role in conducting major seminars in Risk Management – Basel II. As a visiting faculty at Great Lakes Institute of Management, he conducts Advanced Risk Management courses for the business program.

Ravi Shankar has held several assignments in the past such as President & CEO, Polaris Retail Infotech Ltd.; CEO of Cholamandalam Cazenove Mutual Fund; Fund Manager & Vice President at Reliance Mutual Fund; Chief Investment Officer of GIC Mutual Fund, etc.

photograph-of-dr-shaibal-guptaMr. Shaibal Gupta (Independent Director) is a social scientist, Founder Member-Secretary of Asian Development Research Institute in Patna, Bihar. The Asian Development Research Institute (ADRI) is a non-profit civil society organization, dedicated to social science research established in 1991.He is also the Director of the Centre for Economic Policy and Public Finance (CEPPF), which has been set-up in ADRI by the Government of Bihar as a dedicated center for research on public finance. He is the best-known expert on the politics and economics of Bihar. His research focuses on the structure of the Bihar economy as well as on various development issues in Bihar with a political economy perspective. He is an economist by profession. He has spent many years studying Bihar.  Dr. Gupta has worked on various research projects with the Institute of Development Studies, Sussex; International Labour  Organisation, World Bank and London School of Economics. He has held advisory positions in various committees. He was a director of the Andhra Bank until his term expired and Member Executive Committee, National Literacy Mission (NLM) – India, Government of India, Ministry of HRD, New Delhi.

coloursMr. Carlos Castello (Accion Nominee Director) manages Root Capital’s global program operations, including lending, risk management, and financial advisory services. He brings 25 years of experience at ACCION International, having served most recently as executive managing director of global programs. In this position, he managed and coordinated ACCION’s technical assistance and management services for more than 30 microfinance partner institutions in Africa, China, India, and Latin America. As a member of ACCION’s senior management team, he also helped shape the organization’s strategic direction. He also served as the Latin American representative for technical assistance organization PACT, Inc. and was responsible for all grant making and support operations for the region. Carlos holds an M.A. in economics and an M.S. in Foreign Service from Georgetown University as well as a B.A. in international administration from Union College.



Mr. Abhishek Agarwal (Accion Nominee Director) is currently heading Accion in India as Country Director and serves on the board of Swadhaar (MFI) and E-Vindhya Informatics (BPO employing differently-able staff). Abhishek is Ph.D. in Municipal financial reforms and Chartered Accountant (FCA) from ICAI. He did his Masters of Business Administration (MBA) with a specialization in finance at Rai International University. He has been working in social development sector since last 14 years, and have worked in post-conflict, developing & developed countries. He comes with extensive experience in financial management, business planning, social enterprises transformations and microfinance operations.



Ashutosh-photoMr. Ashutosh Binayake (Pragati Nominee Director) joined UTI in 2008. He has over fifteen years of experience in India across project finance, private equity, and corporate finance. He has strong infrastructure expertise and at UTI Capital he focuses on originating and evaluating equity investments, overseeing the portfolio and creating exit opportunities within the private equity business. He also functions as CFO for UTI Capital. Immediately prior to joining UTI, he was working in the project finance teams of GMR and Reliance Group where he was involved in undertaking financial close for various infrastructure projects in power, road, airport, ports and SEZ projects. He is a Chartered accountant and Commerce Graduate from the University of Mumbai.

Mr. VishwanUntitledath Pratap Singh (Independent Director) has long exposure with international financial institutions including World Bank, Asian Development Bank, European Investment Bank, KFW, DEG, FMO, Japan Development Bank and JABIC in the areas of co-financing of infrastructure projects and institutional development.At present, he is non-executive independent director of a few companies in infrastructure and financial services sectors. One of them is a leading microfinance company in India, which is being transformed into a bank.Recently, Mr. Singh has also rendered consultancy services to Goldman Sachs, Muzuho Securities, UBS Global Asset Management and Boston Consulting Group on areas like India Lending Business, Pricing of Commercial Banking Products, Banking Regulations, and Policies.

Mr. Bhanu Prakash Verma (SIDBI Nominee Director), has graduated from Commerce College and obtained his Masters Degree in Accountancy & Business Statistics, from University of Rajasthan, India. Mr. Verma has 24 years of experience in the field of Development Banking, Promotion and Financing of MSMEs & Microfinance. He has served the Bank in different capacities including Branch Head of Nagpur and Bangalore Branches and has rich experience in project finance, treasury, Forex operations, technology up-gradation financing, receivable financing, equity financing, Indirect Finance etc. Mr. Verma is presently posted as Deputy General Manager in SIDBI Foundation for Micro Credit at SIDBI Head Quarter, Lucknow, India.

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