Inspiring life

Management Team

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:

udayaUdaya 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.


B. 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 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.

gopal reddy2Gopal 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 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.

Arun 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,

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.

Prakash 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.

Raghavendra 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 Banking in South Region.

He has been with Grameen Koota since November 2010.



K.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 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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