grk-sarmaMr. G. Radha Krishna Sarma  VP-Commercial, Operations

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.


Mr. Ramandeep Singh Chadha  VP- F&A, Resource & BC Operations 

Joined Saija in November 2016 and is currently heading the Finance & Accounts, Resource and Business Correspondence Operations. He is a member of the Institute of Chartered Accountants of India and the Institute of Company Secretaries of India and also a Commerce Graduate from Delhi University. He has a 6 years’ experience in Assurance working with BSR & Co. LLP (an affiliate of KPMG) in complex and multi-cultural organizations spread over Industries like Financial Services, Consumer/ Industrial Markets, Automobile, Trading, Service sector etc. During his tenure, he has also served in the international markets while working with KPMG LLP, New York (USA) and KPMG Lower Gulf (UAE). Over the last two years, he has spiritedly worked in the financial service industry striving to uphold the highest professional standards.

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. Thakur Manish Singh
 – Head-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 lending 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.

Mr. Vikash Jaiswal –  Head Risk and AuditJoined Saija in September 2016. He is heading the

Risk and Audit Team. He has an experience of 11 years in Risk & Audit and He has done MBA in Finance from Jadavpur University Kolkata. Prior to Joining Saija, he was working with Religare where he was heading Risk management cell and Branch Compliance function of East unit of the company. He has also worked with Indiabulls


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..



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