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Management Team


PUBLIC SECTOR Mr.Ashwani Kumar
(Managing Director & CEO)
He has over 13 years of industry experience especially in Micro Finance and Priority Sector domains. He has handled senior management roles in different control and support functions at Utkarsh ever since its NBFC-MFI format. Initially he had joined Utkarsh Micro Finance Pvt. Ltd. as Head - Internal Audit, with concurrent charge of Risk, Compliance, Secretarial, Credit & Client Interaction. During the transition phase of Utkarsh from an NBFC-MFI to USFB.

Utkarsh Small Finance Bank Ltd., he led the Training, Recruitment and Corporate Communication verticals. His last stint with USFBL was as the Deputy CFO (Head - Finance and Corporate Communication). Currently, he is also a Director in the Board of Utkarsh Welfare Foundation (UWF).

Prior to joining Utkarsh, he was with NABARD Financial Services Ltd. (NABFINS) handling various control & support roles in its transformation as AGM (Finance). He also had stint with Canara Bank as Manager at its Priority Credit Wing, Head Office, Bangalore, handling Agri-Business, Priority Small Loan NPA Management and Consultancy Services with active involvement in setting up of Bank's Financial Inclusion Wing. He started his career as a Research Associate with Locus Research and Consultants Pvt. Ltd; New Delhi and undertook projects for Ministry of Rural Development, GoI and other agencies.

He has attended different exposure programs in Banks, MFIs and Training Centers in India and abroad (Bangladesh, Cambodia, Indonesia and Italy) and has been in Editorial Boards of Institutional Magazines. Also,participates regularly in several conferences / seminars as Panelist / Speaker at National & International levels and has also takens sessions at Institutions like CAB (RBI), NIBM, SIBSTC and various Universities/College Campuses.

He is a Rural Management Graduate from Institute of Rural Management, Anand (IRMA) and a Chartered Financial Analyst (CFA) from ICFAI (India). He is a Certified Associate of Indian Institute of Bankers (CAIIB) and has other Diplomas and Certifications from IIBF. He is also UGC Net (Management) certified and is a lifetime member of CFA Council (CCFA, India) and IIBF (India).




PUBLIC SECTOR Mr. Harshit Agrawal
Chief Financial Officer
Having over seven years of experience in the fields of Accounts & Finance, Taxation, Micro Credit and Internal Audit. Initially, he had joined Utkarsh Micro Finance Pvt. Ltd. (UMFL) as Concurrent Auditor in Internal Audit Department and is currently overseeing Finance and Accounts verticals.

Prior to UMFL, he was with a real-estate company based out of Varanasi in its Finance and Accounts vertical. He is a Chartered Accountant (CA) by profession from Institute of Chartered Accountants of India (ICAI) and a Commerce Graduate from Banaras Hindu University (BHU). He is a Junior Associate of Indian Institute of Bankers (JAIIB) and has other Certifications from IIBF.




PUBLIC SECTOR Mr. Neeraj Kumar Tiwari
Company Secretary & Compliance Officer
Having over five years of corporate experience in Utkarsh Coreinvest Ltd(erstwhile Utkarsh Micro Finance Ltd.). Prior to UMFL, he was with a corporate law firm at Allahabad.

He is a qualified Company Secretary from the Institute of Company Secretaries of India (ICSI) and holds a Bachelor's Degree in Law from Veer Kunwer Singh University Arrah. He also received NSE's Certification in Financial Markets (NCFM) for Compliance Officer (Corporate) Module.