SKS

	Vikram Akula Founder & CEO Previously a management consultant with McKinsey & Company, Vikram has over a decade of work and research experience in microfinance. He was a Fulbright Scholar in India, during which he coordinated an action-research project on providing micro-credit for food security. He was also researcher with the Worldwatch Institute, where he wrote articles focused on poverty and development. He has also worked as a community organizer with the Deccan Development Society in India. He holds a B.A. from Tufts, an M.A. from Yale, and has a Ph.D. from the University of Chicago. His Ph.D. dissertation focused on the impact of microfinance. He has received several awards for his work with SKS, including the Echoing Green Public Service Entrepreneur Fellowship.

	Swarnalatha Jagarlapudi Vice President, Human Resources and Administration Swarnalatha has over 16 years of experience as an HR professional. Before joining SKS, she was a Senior Consultant with High People Consultancy, Pune. In this role, her primary responsibilities were to execute all human resource functions, specifically performance management system, compensation and benefits administration, employee counselling and career path and succession planning. Prior to High People Consultancy, she worked with Navionics Technologies Pvt. Ltd. and Navionics Engineering Pvt. Ltd. She has completed a triple Masters, submitted her Ph.D thesis at Tata Institute of Social Sciences, and desires to be an eternal student and learner. She has received awards for various articles she has written, including �Managerial Challenges in Promoting Economic Cooperation in Seven South Asian Nations � SAARC�, presented at the observance of SAARC Charter Day, 2000 and �Women Policing in India � Constraints and need of paradigm shift�, presented at the 2003 International Seminar � RC21, at the University of Milan, Italy.

	Jennifer Leonard Assistant VP, Finance Previously an Assistant Vice President at Merrill Lynch, Jennifer has over 7 years experience in the financial services industry. At Merrill Lynch, Jennifer did equity research in the dynamic wireline telecom services sector, covering companies like Verizon, SBC, BellSouth, AT&T, and Sprint. Jennifer also became a CFA charterholder during her time at Merrill Lynch. Previously, she worked for Caisse des D�p�ts et Consignations, a large French financial institution, in their US investment management division. Recently, Jennifer left Wall Street to pursue a six-month volunteer opportunity at Veerayatan Vidyapeeth, a school for economically disadvantaged children in the rural region of Kutch in Gujarat, India. Jennifer graduated magna cum-laude from Boston University with a BA in Economics and earned an MBA in Finance from the Wharton School and an MA in International Studies with a concentration in Western Europe and French from the Lauder Institute at the University of Pennsylvania.

	P V Kalyanachakrawarthy Chief Accountant Kalyan is currently Chief Accountant for SKS, where he has been since 2001. His primary responsibilities include consolidation and finalization of accounts, taxation, audit, treasury management, funds logistics and documentation. He also assists the finance department with generation of salaries and incentives, administration, and human resource activities. Prior to SKS, Kalyan worked in electronic data processing for Dabur India Limited, in charge of debt collection and monitoring credit polices for the 1000 crore pharmaceuticals company. Kalyan has BC from Nagarjuna University, Noble College, Machilipatnam and is currently pursuing a Masters in Financial Management from Pondichery University and a Masters in Business Administration, specialization Finance from IGNOU.

	M. Kiran Kumar Manager � Andhra Pradesh, Sales & Marketing Kiran has over five years experience in the microfinance field. He is currently in charge of SKS� Andhra Pradesh sales and marketing team, responsible for all current operations and expansion plans within the state. Prior to SKS, Kiran worked with Naandi Foundation, Hyderabad as a state level coordinator for their livelihood division, where he was in charge of capacity building of Mutually Aided Co-operative Societies (MACS) for lift irrigation facilities. Prior to Naandi, Kiran worked as a consultant for the National Institute of Small Industries Extension and Training, providing entrepreneurial training for self help groups. Kiran also spent two years with BASIX, a leading microfinance organization based in Hyderabad, as a field executive in charge of one crore rupees portfolio. Kiran received his MBA in Marketing from Pragathi Mahavidyalaya, Koti, Osmania University, Hyderabad and a B. Com from Kakatiya University.

Lokesh Kumar Singh
Manager, Sales & Marketing

Lokesh has been with SKS Microfinance since December 2004. He is currently responsible for all operations in the state of Maharashtra and overseeing expansion plans throughout the country. Prior to joining SKS he was working with Naandi Foundation, Hyderabad as Program Officer in Potable Water project where he was instrumental in selecting the areas for intervention and setting up the system for water purification and distribution in the villages in coastal Andhra Pradesh. Lokesh is a Rural Management Graduate from Institute of Rural Management, Anand (IRMA). As part of this course he has been involved in different projects ranging from �Watershed Development� to Research Paper on �Wastewater Agriculture in India�. He also holds B. Tech. in Chemical Engineering from H.B.T.I., Kanpur.

V.Chidambar Rao
Advisor, Insurance

Chidambar is currently an Advisor, New Business heading SKS� Microinsurance division. The Microinsuarance division focuses on covering all of SKS� clients and their families against risks such as death, illness, livestock causalities, etc. Prior to SKS, Chidambar worked in sales and marketing at Explofab Metals and Bharat Shell. Prior to that, Chidambar spent 14 years as Head of Sales and Marketing for Sandur Manganese & Iron Ores, a leading mining firm based in Karnataka. Chidambar was in charge of domestic and international clients in addition to working with various government departments like Mines & Geology, Forest & Environment and Indian Bureau of Mines. Chidambar has a B. Tech in Metallurgical Engineering with distinction from Karnataka Regional Engineering College, Surathkal Mysore University. He has also completed one year management training from A.F.Ferguson consultants, a leading management consulting firm in India, on similar lines as a MBA program.

T. Shashi Kumar
Manager, Technology

Shashi has over seven years experience in technology development and deployment. Previously he worked with ICSS Infotech LTD as a faculty member. For the last five years he has led SKS�s technology team and is responsible for corporate wide software development and deployment at the head office as well as all 45 branches. Shashi is a commerce graduate and has completed his PG diploma in computer applications.

G.Ramakrishnan
Manager, Internal Audit

G.Ramakrishnan is currently Manager, Internal Audit for SKS Microfinance. He has three years experience as the division leader in the Hyderabad office. Previously, he was with the undertaking unit of M/s. V. Nagarajan & Co., Chartered Accountants, New Delhi focusing on auditing activities at the field and head office levels of various microfinance institutions. He holds a degree in Commerce from Osmania University and is currently pursuing a company secretary course at The Institute of Company Secretaries of India. He is also pursuing a Post graduate diploma in Information System Audit from The ICFAI University.

Byomkesh Mishra
Manager � Team Lead, Business Development

Byomkesh is currently Manager of Business Development responsible for identifying, designing and implementing new business development opportunities which include new product development, new segment targeting, sector diversification, alternative channels and strategic alliances. Previously, he was an Area Manager (Sales and Marketing) in charge of microfinance operations in two districts of Andhra Pradesh. Before joining SKS, Byomkesh worked as a volunteer with MVSN, an NGO in Uttar Pradesh, where he was focused on formation of SHGs and facilitating bank linkages under SGSY Programme GoI. Byomkesh has conducted various studies on poverty alleviation and livelihood development. He has a BS in Maths and Statistics from Banaras Hindu University (BHU), Varanasi and an MBA in Rural Management from Institute of Rural Management, Anand (IRMA).

Christopher Turillo
Manager, Communications

Chris was previously Director of Business Development at Business Development Institute (BDI), an event-based marketing firm in New York. In this role, his primary responsibilities were to execute BDI and client driven projects, develop new business opportunities and manage the firm�s information technology. Before BDI, he worked with the regional sales team at Rational Software in Redmond, WA. During his undergraduate studies, he interned with KPMG International, International Data Corporation and the Federal Reserve Bank of Boston. He recently volunteered to help organize a global Microentrepreneur contest with the UNDP in support of the UN�s Year of Microcredit. He worked with 40 graduate students to design the contest�s format, develop sponsorship materials and liaison with local microfinance organizations and international diplomats. Chris received his BA in International Political Economy from the University of Puget Sound and spent his junior year on the Pacific Rim Asian Studies Travel Program (PRAST), studying and living in nine Pacific-Rim countries.