Inspiring life

Our senior management team comprises of officials having diverse backgrounds and vast experience in commercial and social sectors. Brief profiles of our senior management team are as follows:

udaya-newUdaya Kumar

Managing Director & Chief Executive Officer

Mr. Udaya Kumar oversees all the activities of Grameen Koota as Managing Director & CEO. He joined Grameen Koota as Chief Executive Officer in September 2010. He is a veteran in the financial services field with over 25 years of experience in the banking sector. He has previously worked with Corporation Bank for 10 years, ICICI Bank for over 12 years and Barclays Bank Plc. for three years. He rose up the ladder from a Junior Officer and became an Associate Director.

Mr. Udaya Kumar has been exposed to Operations, Credit Management, Product development, Technology and Business Development in banking. His exposure to Rural, Agri and Micro Banking during his association with ICICI Bank made him set his personal goal to work in the Social Sector. Prior to joining Grameen Koota, he was spearheading the commercial, payment and branch operations at Barclays Bank Plc, India. In the course of his career, he has successfully imbibed technical, qualitative and managerial skills and been part of a team implementing process initiatives like Centralizing Operations, Process re-engineering, Six Sigma Quality Initiatives, Five-S principles for workplace management and implementation of ISO Standard in banking operations.

Mr. Udaya Kumar holds a Master's degree in commerce, CAIIB from the Indian Institute of Bankers and is also a graduate in Bank operations and technology from BAI, USA. He has been the main architect and driving force for the overall success and growth of Grameen Koota since 2010.

diwakar-newB. R. Diwakar

Chief Financial Officer

Mr. Diwakar joined us with a work experience of over 22 years in the Finance field, having worked with an array of organizations starting with LIC of India. He has worked with SIDBI in SME finance in different parts of the country and Micro credit department having led relations with may big microfinance institutions. He thereafter joined ICICI Bank as Head-Credit & Risk for Microfinance products and oversaw the all-India operations. He subsequently joined ACCION and worked in establishing the Individual Lending business in collaboration with YES Bank in Mumbai. He then worked with IFMR Trust, initially as Head-Products at IFMR Rural Finance and later at IFMR Capital as Head of Monitoring & Surveillance in Risk Management Department. Mr. Diwakar holds a Post-Graduate degree in Commerce from Osmania University and JAIIB with Indian Institute of Bankers.He has been with Grameen Koota since October 2011.

gururaj-colorGururaj K S Rao

Senior Vice President – Internal Audit & Risk Management

Mr. Gururaj Rao joined us with more than 16 years of experience in finance, internal audit and management in growth-oriented organizations that offered challenging, diverse responsibilities that improved his skills and knowledge in the field. His expertise and experience in the field of Internal Audit and Risk Management, exposure to different organizations has provided a niche for Grameen Koota's operations. He is a Certified Internal Auditor (CIA) from the Institute of Internal Auditors, (Illinois, USA), AMFI Advisor and Certified Financial Analyst –Level 1(CFA Institute, USA).He has been with Grameen Koota since July 2009.




gopalGopal Reddy

State Head - Maharashtra, Madhya Pradesh & Chhattisgarh Operations

Mr. Gopal Reddy has been with Grameen Koota since 1999. As part of its evolution, he has been involved in various assignments from Operations, Credit Delivery to Grievance Redressal as well as Customers Relation & Recovery Management. Currently, he is managing and monitoring the organization's Maharashtra State's field operations. He holds a Bachelor's

Degree in Commerce from Bangalore University.



haridarshini-3Haridarshini A

Vice President - Human Resources

Ms. Haridarshini has over 12 years of experience in the development sector. She holds a degree in B.Tech from REC-Warangal. She joined Grameen Koota immediately after her B.Tech in the finance & analysis team in 2003. Later, she worked with APMAS-Technical Institution focusing on ratings for Self-Help Groups (SHG) and training in Accountings, Delinquency Management and Financial Analysis. She rejoined Grameen Koota in May 2007 and since then she has been with the organization. She has worked in various departments of Grameen Koota like MIS, Finance, Business analysis & Planning and Monitoring. Currently, she is heading the Human Resources Department. She has attended various workshops and seminars on microfinance and management conducted by various institutions.



arunnewArun Kumar B

Head – Information Technology

Mr. Arun Kumar B has over 9 years of work experience in Banking & Technology domain. He has worked in the Service Quality team at Barclays Bank where he has helped the bank to set up its customer relationship management (CRM) system, strategy and processes in retail banking, led process improvements from customer perspective and managed customer research initiatives like annual customer survey, customer experience surveys, service newsletter, etc. He has also worked in Infosys in the past and been an integral member of a project related to Oracle ERP implementation. He is an engineer from Anna University and an MBA from Indian Institute of Management, Indore.He has been with Grameen Koota since November 2010.

anshul2Anshul Sharan

Head – Strategy & Planning

Mr. Anshul Sharan has more than 7 years of work experience in Finance, especially fund raising. He has worked at Indxx Capital, where he was responsible for running various PE & M&A deals and leading customized indices division of Indxx. As part of customized indices, he was responsible for client management, operational efficiency & business development. He has also worked with Reliance Infrastructure where he has raised more than $1 bn debt for various infrastructure projects including roads, metro rail & power projects. He is an engineer from Indian Institute of Technology Mumbai, an MBA from Indian Institute of Management Indore and CFA L2 (USA).He has been with Grameen Koota since July 2012.


prakashnewPrakash R

Head - Internal Audit

Mr. Prakash comes with an overall experience of more than 18 yrs in Banking and Microfinance. He began his career with Canara Bank, performed various supervisory roles in Retail Banking, Rural Banking, Banking technology and Branch Inspection. He has also worked with Ujjivan as Regional Audit Manager. He holds a Bachelor's degree in Science from Bangalore University, MBA from Sikkim Manipal University, CAIIB, Certified Information System Banker and Diploma in Microfinance. Currently, he is looking after the internal audit system of Grameen Koota.He has been with Grameen Koota since March 2014.

srivatsaSrivatsa H N

State Head – Karnataka & Tamil Nadu Operations

Mr. Srivatsa H N holds a Bachelor's degree from Bangalore University in Geology (earth science). He comes from an agricultural family belonging to a small village in Tumkur District of Karnataka. After hearing about Grameen Bank, Bangladesh; got passionate about Microfinance and joined the industry as a ground level field staff during 1999, when the sector was in premature status. Got vast experience in managing various functions like Audit, training, process up gradation and different divisions of microfinance like business loans and group based loan in different geographies of the country. Apart from his bachelor's degree, he also supplemented experience with professional courses through many national & international institutions. Currently he is Heading the operations of Karnataka and Tamil Nadu states of Grameen Koota's operational areas.He has been with Grameen Koota since December 2002.



krraoRaghavendra Rao K

Head - Admin

Mr. Raghavendra Rao has joined Grameen Koota as Head – Admin. He is an ex-banker with 32 years of rich experience. His last stint was with ING Vysya Bank. He worked in various capacities as Branch Head, Regional Head & Zonal Head in Agri & Rural Development Bankin in South Region. He has been with Grameen Koota since November 2010.




naganand2K.N. Nagananda Kumar
Head - Centralised Operations

Mr. K.N. Nagananda Kumar is currently heading centralized operations, Regional Processing Centres, Grievance & Customer Feedback, Customer Awareness Initiatives. He joined Grameen Koota in April 2001 as Program Officer in the Department of Information Technology and handled the initial designing upgradation & automation of MIS reporting system for both internal and external reporting. Later, as head of Grameen Koota's Information Technology, he was instrumental in successful implementation of the Open Source loan management application 'MIFOS', for which the company received the "Pioneer Award for innovative work in Microfinance Industry" from Grameen Foundation, USA. Mr Kumar worked with Sysfore Technologies as Head of Projects & Enterprise Presales from 2012 to 2016 before re-joining Grameen Koota in March 2016 in his current position. A graduate in computer applications from Bangalore University, Mr Kumar also holds the degree of Hindi Ratna (BA equivalent) and an E-MBA in Information Technology.

vishwanath bhatVishwanath Bhat
Head, Individual Lending

Mr Vishwanath Bhat, with more than 15 years of experience in the BFSI sector, is heading the Individual Lending division of Grameen Koota. Prior to joining Grameen Koota in June 2016, Mr Bhat worked with Axis Bank as Head of Affordable and Rural Housing division, overseeing the business and product development. He led the business expansion module of Axis Bank as Head of New Geographies for more than 2 years. During his tenure at Axis Bank, he has also handled various assignments relating to Auto Loan and Consumer Loan portfolio. Mr Bhat began his career with Shriram Group of Companies in 2001 as a senior executive taking care of financial transactions and facilitating bridge finance with banks. In 2003, he joined Cholamandalam Investment and Finance company as Credit Manager for vehicle loans and thereafter he joined ICICI Bank as Credit Manager for mortgages. His brief stint at Copal Amba (Moody's Analytics company) as Associate Vice President in 2006-07, helped him acquire the research skills in valuation analysis of investments. Mr Bhat holds an engineering degree from the prestigious National Institute of technology, Calicut and received his MBA from NMAMIT, Nitte in 2001.

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