tofiqueMr. Atul Bhola – Senior Vice President & Financial Controller

Joined SAIJA in November 2017 and is currently heading the Finance department. He is a Chartered Certified Accountant (ACCA, U.K) and ACMA, CGMA (CIMA, U.K). He has more than 14 years of experience in the field of Finance, Accounts, Taxation and Corporate Planning. His robust experience spans across industries such as Financial Services, Construction and Food Retail. In the past he has worked with organizations such as Religare Enterprises Limited, Laing O’Rourke and Jubilant FoodWorks Limited (Domino’s Pizza India). .

grk-sarmaMr. G. Radha Krishna Sharma – VP commercial

Joined SAIJA in August 2016. He is heading the commercial team in SAIJA. He has an experience of more than 20 years in Micro Finance Industry.He has also worked with Share Microfin Limited, Asmitha Microfin Limited, VFM Finance, and Alwar General Finance Company Private Limited.


rajnish1Mr. Rajnish Kumar DVP – Commercial Uttar Pradesh

Joined SAIJA in September 2012. He is heading the Commercial Team (Business Head) in Uttar Pradesh. He is specialized in business expansion, PAR control and OD recovery.  He has an experience of more than 10 years in banking and micro-finance sector and is an MBA with specialization in Marketing and Finance. Prior to Joining SAIJA, he was with Satin Credit care Network limited where he was looking after internal audit and risk management function of the company. He has also worked with ICICI Bank with credit team of Business Lending Group

Mr. Rakesh Bharati – manjit-sir-photoAVP, Quality

Joined SAIJA in October 2017. He is heading the Quality department. He is an MBA from Pune University and has an experience of more than 8+ years in Micro Finance Industry. Prior joining SAIJA, he has worked with Ujjivan Small finance bank in Customer service and Distribution team in various geographical areas like Bangalore, Pune, Nagpur, Chhattisgarh.and New delhi.

  Mr. Manish Singh Thakur – AVP – IT

Joined SAIJA in February 2011. He is an IT professional with an experience of over 9 years, presently heading the IT  department. Earlier employed with Xenitis Group Ltd, his core strengths are managing IT infrastructure, Server and Network side Administration developing business systems for the organization with different verticals. He has several   global technical certifications from organizations like Red Hat, Microsoft, and Cisco. He is an M.Tech in Computer Science and has done Master in Computer Science from Karnataka University and has also done Post Graduate Diploma in IT Infrastructure Management from SMU.

Mr. Priyam Khare – Senior Manager (Operations)

He is looking after operation, non financial linkages (NFL) and Microfinance + activities. An MBA from Indian Institute of Forest Management (IIFM) and a graduate in Business Administration. He Joined SAIJA in December 2017. Earlier employed with Sahayog Microfinance Ltd, have an experience of 4.5 + years of experience in the industry. He has experience in credit, operations, policy formulation, budgeting, microfinance + initiative and training.



Mr. MD Tofique Alam – State Head Commercial, Jharkhand

Joined SAIJA in July 2016. He is heading the Commercial Team (Business Head) in Jharkhand. He has an experience of 4 years in Internal Audit. He has done PGDM Finance from XISS. Prior to Joining SAIJA, he was with Samunnati Financial Intermediations and IFMR Rural channels where he was looking after the internal audit. He has also worked with ICICI Securities as a relationship manager.

tofiqueMr. Vineet Tyagi – Senior Manager, Human Resource

Joined SAIJA in Oct 2017 and is currently heading the Human Resource and Training Department. He is MBA in HR and Marketing from UP Technical University Lucknow. He has more than 9 years’ of experience in Retail and Manufacturing Industry and worked with Sharda Exports, Bharti- Walmart and Escorts Agri Machinery..

tofiqueMr. Neeraj Sharma – Senior Manager-Internal Audit

He joined Saija financial Pvt Ltd in January 2018 and currently handling Risk & Internal Audit department. He has more than 9 year of experience in internal audit, Risk and fraud investigations. He is AML/KYC certified from IIBF & completed his MBA from SMU. In past, He has worked with financial companies such as Religare finvest limited and Fino paytech pvt ltd.


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