M.R.’s expertise lies in managing operations in a large business environment, formulating business strategies and identifying new markets. An alumni of BITS Pilani, he has over 20 years of experience in Profit Centre Management, setting up distribution in Insurance, Retail Banking and Consumer Finance. Prior to SKS, he was associated with ING Vysya Life Insurance, American Express, Esanda Finanz & Leasing Ltd., Instyle Consumer Leasing and DCL Finance Ltd. At SKS, MR has been in the forefront driving it’s amazing growth story.

Dilli Raj has 17 years of experience in treasury (fund raising), leasing, corporate credit, taxation, business process reengineering and corporate governance. He is an acknowledged leader in corporate tax planning. He consummated joint venture deals with global giants. Prior to this assignment, Dilli Raj was the Chief Financial Officer and Senior Vice President of First Leasing Company of India Limited. Mr. Raj has also served as the CEO of a subsidiary. He has done his Master’s in Business Administration from Pondicherry University. At SKS, Dilli Raj has been instrumental in introducing mainstream financial products into microfinance and in smart management of funding initiatives.

P.H. Ravikumar is a commercial banker with over 39 years of experience in the financial services sector. He was part of the core team which set up and built ICICI Bank Limited from inception. In banking, his experience spans the areas of retail, corporate and treasury banking in India and abroad. At ICICI Bank, his responsibilities included business strategy as also risk management and he helped this unit become an industry leader in a short span of time. As the Head of SME & Agri Business in the merged ICICI Bank, his role included building and growing the bank’s portfolio in these sectors both on liabilities as well as on assets side, apart from services to these sectors. In its first full year of functioning, the bank emerged as the second largest lender to the agri business sector in India, with disbursements of over INR 200 crores (USD 42 million). He was also the founder Managing Director and CEO of National Commodities & Derivatives Exchange Ltd. He and his team conceptualized and set up the Exchange.
Ravikumar is a Commerce graduate with professional qualifications as an associate of Indian Institute of Bankers and the Chartered Institute of Bankers London. He is also a Fellow of Securities Investments Institute, London.
He is on the boards of several other companies including Bharat Forge Ltd and Eveready Industries India Ltd.

Geoff has been active in private equity investing for over 25 years, founding two successful venture funds in the United States and Europe. He pioneered the concept of venture debt and has invested in over 400 companies in his career, including Ciena, Coinstar, Hotmail and Human Genome Science. He is a Founding Partner of Dominion Ventures, Inc. and European Venture Partners (now called Kreos Capital). In 1998, he assumed an advisory role at Dominion in order to pursue impact investing, non-profit and other business interests. Geoff Woolley, Co-founder and CEO, Unitus Impact, an early-stage impact investing firm with the mission of improving the livelihoods of low-income populations by supporting the growth of scalable, financially attractive livelihood ventures. Among many positions, Geoff holds Board seats at Micro Benefits China, Samhita Microfinance in Bhopal, and other social enterprises benefiting those at the base of the economic pyramid. He has been instrumental in the launch of companies such as Unitus Capital and Unitus Equity Fund. He is also the co-founder and current board chair of both the University Venture Fund, the largest and most successful student-led venture fund in the United States, and the University Impact Fund, which partners university students with top-tier impact investing firms, social enterprises, developmental finance institutions and philanthropic foundations for real-time impact investing projects and investments. Geoff holds a BS in business management from Brigham Young University and an MBA from the University of Utah.

M.R.’s expertise lies in managing operations in a large business environment, formulating business strategies and identifying new markets. An alumni of BITS Pilani, he has over 20 years of experience in Profit Centre Management, setting up distribution in Insurance, Retail Banking and Consumer Finance. Prior to SKS, he was associated with ING Vysya Life Insurance, American Express, Esanda Finanz & Leasing Ltd., Instyle Consumer Leasing and DCL Finance Ltd. At SKS, MR has been in the forefront driving it’s amazing growth story.

P. Krishnamurthy has 35 years of experience in banking and Central banking. Prior to joining the Board of the Company on July 25, 2012, Mr. Krishnamurthy retired as Chief General Manager from Reserve Bank of India. He is a postgraduate in science, MBA in international banking and finance from the University of Birmingham, UK. He is the Nominee Director of SIDBI on the Board of the Company.

Paresh Patel is the CEO of Sandstone Capital, an India-focused hedge fund. Sandstone is a value-oriented investment partnership focused on long-term opportunities in India, with a preference for deep value, special situations, midcaps and complex opportunities. Sandstone Capital has an office in Boston. Prior to Sandstone Capital LLC, Paresh Patel was the Managing Director of Sparta Group, the private investment office of Gururaj Deshpande, founder of Sycamore Networks. At Sparta, Paresh invested with Desh in early-stage ventures in the US and India - including A123 Systems, Indian Lotus, Relicore and Tejas Networks. Paresh is a graduate of Harvard Business School and Boston College.

Ms. Ranjana Kumar was appointed as an Independent Director of the Company with effect from March 8, 2013.

She is a prominent Indian banker with a varied experience of around 44 years. She holds a Bachelor’s Degree in Arts and is a Gold Medalist.

Ms. Kumar retired as a Vigilance Commissioner from the Central Vigilance Commission and has held many significant positions in her career including that as the Chairperson and Managing Director of Indian Bank, Chairperson of National Bank for Agriculture and Rural Development (NABARD), Executive Director holding concurrent charge as Chairperson and Managing Director of Canara Bank and CEO of the US operations of Bank of India based in New York. She was also a Member, Governing Council, National Innovation Foundation, Ahmedabad.

Ms. Kumar, under her chairpersonship, was instrumental in turning around Indian Bank from a loss-making entity into a successful bank. She has been recipient of various awards, notable being:

1. Lifetime Achievement Award in the Banking Industry by Business World Special Issue dated November 26, 2012.
2. 'BMA Management Woman Achiever of the Year Award 2008-09' and 'Banker of the Year 2002' by Business Standard.
3. 'India's Turn Around Queen — November 2003' by The Economist, UK.

1. First Woman Chairperson & Managing Director of a Public Sector Bank in India.
2. First Woman and First Commercial Banker to head the National Bank for Agriculture and Rural Development (NABARD).
3. First Women Vigilance Commissioner, Central Vigilance Commission, Government of India.

Ms. Kumar has authored a book titled, "A New Beginning — The Turnaround Story of Indian Bank", published by Tata McGraw-Hill Publishing Company Limited. The book has received excellent reviews and has been rated by the Indian Society of Training & Development, an autonomous body, as one of the leading books in the country for the year 2008-2009.

She regularly addresses top managements of a cross-section of Public Sector Undertakings besides important universities and forums abroad on various aspects concerning management, leadership, issues relating to human resource management, etc.

She is currently on the Boards of Tata Global Beverages Limited, Coromandel International Limited, GVK Power & Infrastructure Limited, The Andhra Pradesh Paper Mills Limited, International Asset Reconstruction Company Private Limited and Vyome Biosciences Private Limited.

Sumir Chadha is the Managing Director with WestBridge formerly Sequoia Capital. WestBridge formerly Sequoia Capital was formed by merging Sequoia Capital and WestBridge Capital Partners, India's leading venture capital fund, which Sumir co-founded in 2000. Sumir has been investing in the Indian venture capital industry for the past ten years in several industries including offshore services, consumer internet and financial services. Prior to co-founding WestBridge, Sumir was a member of the Principal Investment Area at Goldman Sachs & Co., where he led a number of successful software and services investments. Prior to that, Sumir worked at McKinsey & Co. in New York and New Delhi. Sumir received an MBA with Distinction from Harvard Business School and a BSE in Computer Science from Princeton University. Sumir is the co-founder and Chairman of the Global India Venture Capital Association (GIVCA) and also a Charter Member of The Indus Entrepreneurs (TiE).

Dr. Tarun Khanna, Jorge Paulo Lemann Professor at Harvard Business School, has been a member of the faculty since 1993, where he studies, and works with, multinational and indigenous companies and investors in emerging markets worldwide. He has headed several MBA and executive education programmes at Harvard, focused on strategy, leadership and governance, and currently teaches in Harvard’s comprehensive general management executive education programmes. Additionally, he serves as Faculty Chair of Harvard Business School’s efforts in India. Outside Harvard, he serves on the boards of a number of publicly traded and privately held companies, volunteers time with nonprofits in the US and India, and mentors entrepreneurs in Asia. He earned a Bachelors of Science in Engineering degree from Princeton University in 1988, Summa Cum Laude, Phi Beta Kappa, and a Ph.D. in Business Economics from Harvard University in 1993. His best-selling book, Billions of Entrepreneurs: How China and India Are Reshaping Their Futures and Yours South Asia : Harvard Business Press; Penguin Press.was published in 2008 and has been translated into numerous languages. In 2007, he was nominated to be a Young Global Leader (under 40) by the World Economic Forum. In 2009, he was elected a Fellow of the Academy of International Business.