Mr. Bramhanand, Chief Credit Risk & NPA A Certified Expert in Digital Finance from Frankfurt School of Finance & Management, Germany, CA-Intermediate, Accounting Technician Certificate (ATC) from ICAI, LL.B. (Professional), M. Com, & did MDP Programme from Reserve Bank of India, College of Agricultural Banking, Pune. He holds a certification in Business Correspondent/ Facilitator from Indian Institute of Banking and Finance (IIBF). He is responsible for overall Finance and Treasury planning, fund mobilization, optimization of overall cost of the fund for the company, encompassing borrowings from Banks/DFIs/FIs, NCDs, ECB, Portfolio Securitization etc. He has been working with Sonata since its inception. Association with the company: Since 2006 Mr. Manish Raj, Chief Accounts Controller He is responsible for overall Accounting, Taxation, Finance and Expense control. He has an experience of more than 23 years in Financial Services sector. He has done MBA in Finance from FMS BHU.Association with the company: Since 2018 Mr. Mithun Bose, Head- Treasury He is responsible for treasury management, taxation compliances and timely repayments of borrowings. He has experience of more than 12 years in Finance, Accounting and Taxation. He is M.Com, MBA (Finance), FCA, ISA, Cert. Val (ICAI), CIFRS and CFAFD. Association with the company: Since 2011 Mr. Tarun Srivastava, Head – Internal Audit Mr. Tarun is responsible for the control of Internal Audit functions including risk assurance and is responsible for the audit of branches, regional offices and Head Office. He has more than 23 years of experience in microfinance. He has done his Masters in Social Welfare and is also a Law graduate (LLB). Association with the company: Since 2007 Mr. Mukesh Kumar Verma, Zonal Audit Head He is responsible for audit of branches in U.P (West), Uttarakhand, Haryana and Punjab. He is MBA with experience of more than 13 years in MFI Audit function Association with the company: Since 2008 Mr. Brij Bihari, Zonal Audit Head He is responsible for audit of branches in U.P. (East). He is a Post Graduate with experience of more than 20 years in MFI Audit function Association with the company: Since 2006 Mr. Mohammed Shan- Zonal Audit Head, Muzaffarpur zone Mr. Mohammad Shan is a professional with a Bachelor’s degree (BA) and nearly 20 years of extensive experience in Business Operations and Audit.He has vast working experience in Uttar Pradesh and Rajasthan and currently serving as the Zonal Audit Head for the Muzaffarpur (Bihar) zone. Association with the company: Since 2005 Mr. Vipul Srivastava- Zonal Audit Head, Patna zone Mr. Vipul Srivastava is a professional with an MA degree and 21 years of extensive experience in Operations and Audit department.He has vast working experience in Uttar Pradesh, Madhya Pradesh, Arunachal Pradesh and Uttarakhand and currently serving as the Zonal Audit Head for the Patna (Bihar) zone. Mr. Vipul is responsible for ensuring compliance, identifying risks, and strengthening internal controls across multiple branches. Association with the company: Since 2016 Mr. Vishal Dubey- Zonal Audit Head, Gorakhpur zone Mr. Vishal Kumar Dubey is a highly qualified professional with an MBA and LLM degree, possessing 13 years of extensive experience in Operations and Audit. He has vast working experience in Uttar Pradesh and Bihar. Currently, he is serving as the Zonal Audit Head for the Gorakhpur (Uttar Pradesh) zone. Mr. Vishal is responsible for ensuring compliance, identifying risks, and strengthening internal controls across multiple branches. Association with the company: Since 2024 Mr. Deepnarayan Tripathi- Zonal Audit Head, Jabalpur zone Mr. Deepnarayan Tripathi is a finance professional with an MBA degree and an extensive 16-year working tenure with Sonata. He has demonstrated exceptional leadership in business management. He has worked in different state and culture of Uttar Pradesh, Chhatisgarh, Maharashtra and Madhya Pradesh. Currently, as the Zonal Head for Jabalpur (Madhya Pradesh) zone, and is responsible for ensuring compliance, identifying risks, and strengthening internal controls across multiple branches. Association with the company: Since 2009 Mr. Vivek Pratap Singh, Chief-Planning and Monitoring He is responsible for Strategic Business Planning and monitoring, product development and review of business operations. He has over 23 years of experience in Financial services. He is Chartered Financial Analyst from ICFAI and has done Masters in Business Administration (M.B.A.). Association with the company: Since 2019 Mr. Ashutosh Chaturvedi, Chief Information Officer (CIO) He is responsible for setting objectives and strategies for IT department, implementing suitable technology to streamline IT operation, designing and customizing technological systems and platforms to improve performance. He has experience of more than 30 years in Information & Technology. He is Post Graduate in Information Management Association with the company: Since 2018 Mr. Shyam Kanhaiya, Head-IT He is responsible for software implementation, database management, managing technology related activities of the organization and streamlining IT operations with the business objectives of the company. He has more than 15+ years of experience in the field of Information Technology (IT) and holds Masters degree in Computer application. Association with the company: Since 2006 Mr. Sanjeev Shukla, Head-Software Development Responsible for Mobile and Web app designing, development, implementation & manages team of developers. Researches and develops new technological solutions. He is M.Sc (IT) and has experience of more than 15 years in IT. Association with the company: Since 2012 Mr. Santosh Surve, Head – IT Products He is responsible for Strategic IT Planning, Project/ Program Management, IT Transition, Implementation & Support & Solution Design Architecture. He has experience of over 20 years in IT. His qualification includes C-DAC from CDAC Pune and B.Sc. (Physics) from Shivaji University. Association with the company: Since 2021 Mr. Ankur Agarwal, Chief Compliance Officer Ankur is corporate compliance professional with 23 years of experience in the diversified business activities dealing in Legal, Compliance & Secretarial arena. A Law Graduate and a fellow member of the Institute of Company Secretaries of India since 2000, wherein he secured all India Rank, he has been involved into various assignments over the entire sphere of his career. Ankur started his career with Sahara India Group wherein he dealt with complex regulatory compliances at the group level, for the Non-Banking Financial Institutions, Media, Retail Diary and real estate ventures of the group. During his tenure with Sahara Group, Ankur was instrumental in setting up of a Co-operative Bank. After spending over a decade moved to IFCI Factors Limited, a Government of India undertaking. Before Joining Sonata Finance Private Limited as Head Legal & Corporate Affairs in the year 2016, Ankur was working with Dakshinanchal Vidyut Nigam Limited a DISCOM under the Government of Uttar Pradesh. Presently leading the Legal, Compliance & Secretarial Department of Sonata Finance Private Limited. His role is the blend of compliance, legal & secretarial. He is responsible for handling Corporate Legal, Regulatory Compliances, formulation and finalization of the complex legal agreements including financing and share capital transaction agreements, managing the compliances pertaining to Capital Infusion and coordination with regulatory authorities. Ankur is good at maintaining a balance between following the regulations and safeguarding the organizational interest. Association with the company: Since 2016 Ms. Anjali Manwani Siddiqui, Company Secretary Ms. Anjali Manwani Siddiqui, is a fellow member of Institute of Company Secretaries of India, holding a degree in Law and Master’s degree in Business Administration. Ms. Anjali started her career as a Company Secretary with Phoenix Group, a renowned group having interest in real estate, malls, hospitality etc. She has a vast experience of more than 9 years in the field of legal, secretarial and regulatory compliances. Ms. Anjali has been associated with the company since 2015 in the Legal & Secretarial department. Over the period of last 7 years she has been instrumental in matters relating to legal & secretarial compliances and corporate governance. Association with the company: Since 2015 Ms. Neha Singh, HR Head She is responsible for strategic HR Planning, Resource Management, Training and development of employees, performance appraisal and other HR matters. She is MBA (HR & IR) & Master in Org. Psychology &Certified HR Analytics from AON HEWITT. Association with the company: Since 2013 Ms. Reema Das, Recruitment employee relations Head She is responsible for Recruitment, talent management, Grievance and employee engagement activities at Sonata.She is MBA(HR) with experience of more than 17 years. Association with the company: Since 2010 Mr. Sanjay Singh – Training Head Mr. Sanjay Singh is an accomplished professional with 22 years of extensive experience in the Microfinance (MFI) and Small Banking sector. He has worked in different state and culture of Uttar Pradesh, Bihar, Delhi, Maharashtra, Uttarakhand and Jharkhand. Currently, as the Head of the Training Department at Sonata, Mr. Singh is responsible for designing and implementing training programs, enhancing employee capabilities, and ensuring continuous learning across all levels of the organization. Association with the company: Since 2024 Operations Team Operations Heads Mr. Mohd. Saif Khan, Chief Operations- BC He is responsible for business under BC Partnership lending with Banks and other Financial Institutions. He is also responsible for KYC compliances of the borrowers in accordance with RBI guidelines. He has more than 17 years’ experience in microfinance. He has done MBA in Finance. Association with the company: Since 2009 Mr. Vinay Singh, Chief Operations- JLG He is responsible for development and monitoring of Group lending (JLG) product and processes, including sourcing and collection.He has more than 21 years of experience in microfinance sector. He has done MBA in Finance. Association with the company: Since 2009 Mr. Ashish Singh, Chief Operations- Individual Lending He is responsible for development and monitoring of Individual lending (IL) and Microenterprise loan (MEL) product and processes, including sourcing and collection.He is Graduate with an experience of more than 17 years in microfinance sector. Association with the company: Since 2006 Mr. Tarandeep Singh, Chief Operations- Cross Sell He is responsible for ensuring effective delivery of Cross Selling Verticals (Sanitation/Housing/ Utility/Auto) and to innovate new Products & Projects. He also oversees the administration of the company. He has more than 20 years of experience including 15 years in leading private bank. Association with the company: Since 2016 Mr. Anil Gupta, Head-Business Correspondent (BC) He is responsible for operations under BC Partnership & Co-lending with Banks and other Financial Institutions. He has more than 16 years’ experience in microfinance. He has done MBA in Finance. Association with the company: Since 2006 Mr. Sanjay Kumar Singh - Head Credit Risk & NPA Mr. Sanjay Kumar Singh is an accomplished finance professional with an MBA in Finance and over 18 years of extensive experience of MFI sector in Operations, Credit Risk, and Non-Performing Asset (NPA) management. He began his career in the Operations Department, where he gained deep insights into process optimization, risk assessment, and financial management. Over the years, he transitioned into the Credit Risk domain, where he played a pivotal role in developing risk mitigation strategies, assessing portfolio performance, and ensuring compliance with regulatory guidelines. Currently, as the Head of Credit Risk & NPA at Sonata, Mr. Singh is responsible for managing overall credit risk exposure, formulating policies to minimize NPAs, and enhancing portfolio quality. His leadership continues to drive Sonata’s risk management framework, ensuring financial stability and sustainable growth. Association with the company: Since 2022 Deputy Operations Heads Mr. V.P. Singh, Deputy Operations Head He is responsible for Business under Jabalpur and Patna Zone. He is a Graduate with more than 16 years’ experience in microfinance. Association with the company: Since 2006 Mr. Manoj Kumar Singh, Deputy Operations Head He is responsible for Business under Prayagraj and Moradabad Zone. He is a Post Graduate with more than 16 years’ experience in microfinance. Association with the company: Since 2007 Zonal Heads Mr. Dharmendra Kumar Singh, Zonal Operations Head He is responsible for Business operations of Jabalpur Zone. He is MBA and has more than 17 years’ experience in microfinance. Association with the company: Since 2006 Mr. Vinod Kumar Singh, Zonal Operations Head He is responsible for Business operations of Patna Zone. He is Post-Graduate with more than 20 years’ experience in microfinance. Association with the company: Since 2006 Mr. Anil Kumar Singh, Zonal Operations Head He is responsible for Business operations of Moradabad Zone. He is Post-Graduate with more than 22 years’ experience in microfinance. Association with the company: Since 2009 Mr. S.P. Yadav, Zonal Operations Head He is responsible for Business operations of Prayagraj Zone. He is MBA and has more than 18 years’ experience in microfinance. Association with the company: Since 2009 Mr. Sandeep Kumar Singh - Zonal Operations Head Mr. Sandeep Kumar Singh is a professional with an MBA degree and an extensive 19-year working tenure with Sonata. He has demonstrated exceptional leadership in Operations and business development management. He has worked in different state and culture of UP East, UP West, Uttarakhand, Punjab and Haryana. Currently, as the Zonal Head for Patna and Jharkhand, he oversees branch performance, operational efficiency, and strategic business growth in these key regions. Association with the company: Since 2006