K. Prasad (Independent Director)

M.Sc., C.A.I.I. with total 33 Years Experience with Reserve Bank of India in various capacities after joining as Junior Officer in 1972 of which 12 (twelve) years direct experience in the areas of Supervision and Examination of Non- Banking Financial Institutions & Banks including the Developmental Financial Institutions.  Also functioned as Vice Principal, Bankers’ Training College, RBI. Before joining RBI, functioned as Senior Breeder with USAID and Rockefeller Foundations in developing disease resistant and high yielding Rice Varieties at Hyderabad with All India Coordinated Rice Improvement Project for four years. Mr. Prasad carries with him over 33 years of banking experience with Reserve Bank of India, from where he retired as chief general manager. He has extensive experience in the areas of Supervision and Examination of Non- Banking Financial Institutions & Banks including the Developmental Financial Institutions. Mr. Prasad heads the internal audit committee of CLFL and is engaged in conducting the internal audit of the organisation on quarterly basis. He also conducts trainings for the microfinance staff on different aspects of credit & risk management.

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D. P. S. Rathore ( Independent Director)

Mr. Rathore has served the RBI for about 32 years and retired as the Regional Director in July 2010. During his tenure as the Regional Director he served Punjab, Haryana, Himachal Pradesh, Uttar Pradesh, Uttarakhand and Chandigarh. During above tenure he worked as Faculty Member in RBI Staff College at Chennai for 6 years and also worked as Principal & Chief General Manager of RBI’s College of Agricultural Banking, Pune for approximately for two and a half years. His subject areas of work experience include Banking, finance, currency, public debt, administration, personnel, H.R. (specially training field), foreign exchange (including control as well as management), rural credit, training, legal work and education/literacy (financial literacy/education) and disciplinary & domestic enquiry area/behavioral sciences  with specialized areas of industrial relations & communications.

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Prof. Pankaj Kumar (Independent Director)

Pankaj Kumar is Professor in Human Resource Management area at the Indian Institute of Management Lucknow (INDIA). Dr Kumar holds M.A., M.Phil, and Ph.D. in Organizational Psychology from University of Delhi (India). He has extensive teaching, research, consulting and training experience in Human Resource Management, Organizational Culture and Effectiveness, Cross-cultural Management and Performance Appraisal & Management. He has authored over 30 articles and book chapters. He has worked on several consulting/ research projects of USAID, NORAD, DANIDA, World Bank and AICTE etc. and conducted several Management Development Programmes for various public, private and multinational companies. He also works very closely with Voluntary Organizations in education, environment & health.

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Umesh Menon (Independent Director)

Umesh is an International Consultant based in India and providing consultancy support to a number of key growth companies in growth sectors in India. He specializes in projects that deal with Investment Promotion, SME Development and Privatization, Industrial Clusters, Industrial Competitiveness, Market Development and Business Growth, Financial Modeling, Rehabilitation & Revival Programmes and Mergers & Acquisition. In this context he provides support to conventional production sectors as well as growth sectors. Umesh also conducts Training Programmes for Bankers, Investment Promotion Officers, and NGOs in Project Appraisal, Opportunity Identification, Financial Management and Accounting System. He has also contributed substantially in writing two Manuals on Project Appraisal and Project Opportunity Identification respectively for UNIDO.

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Saneesh Singh ( Institutional Nominee)

Executive Director – Investments at Dia – Vikas, Saneesh carries with him over 20 years of experience in development banking. A Chevening LSE scholar, Saneesh coordinated operations under the Microfinance and Promotion and Developmental programmes of SIDBI at HO and Zonal level. He has managed strategic institutional partnerships, business development, project appraisals, field implementation and monitoring, advocacy, piloting/ incubation of innovations under MF, P&D and Banking portfolios of SIDBI. Saneesh is Executive Director of Dia Vikas Capital Pvt Ltd, a subsidiary of Opportunity International Australia and heads the India  Investment Portfolio.

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Ragini Chaudhary( Institutional Nominee)

Head Operations, Mi India Capital. PG from Institute of Rural Management, Anand (IRMA), India & member of the Chartered Institute of Management Accountants (CIMA), UK. Carries over 8 years of experience in trainings on various aspects of development finance.

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Kanta Singh (Promoter Director)

M. Sc, Rural Sociology, Agriculture Economics with 15 years of experience in enterprise and gender mainstreaming. Has served as Programme Officer, DIVA-INDIA, a society, working in the area of   Applied Ethics.  Major responsibilities include coordination of five research and action projects,   training of teachers in formal and non-formal schools and networking. Previously involved with Women in Sustainable Enterprise (WISE) 2000-2005, as India Representative of the WISE Team, involved in EDIAIS, a Project of DFID - responsible for research, collecting and disseminating all information related to Impact Assessment of Micro-Enterprise from India and reporting to the WISE office in England. Has designed and conducted an impact assessment for Rashtriya Mahila Kosh (RMK), National Credit Fund for Women, for their micro-finance programme targeted at poor economically backward    women. A founder member of CLFL, Kanta has over twelve years experience of managing community and enterprise development projects. Kanta specializes in gender mainstreaming and contributes to the organisation by providing gender perspective to our endeavours.

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Rahul J. Mitra(Promoter Director)

M.A. with 14 years of development sector experience dedicated to enterprise development and microfinance. Has previously worked with Asian Centre for Organisation Research and Development (ACORD), Delhi as Programme Officer (MED) for 4 years and Entrepreneurship Development Institute of India as faculty member for 5 years. Established Margdarshak in 2004. Specializes in rural finance, organizational development, and strategy development and operations management. Extensive experience of working at grassroots level in North India with strong understanding of local communities especially in UP, Uttaranchal, Punjab, Haryana and Rajasthan. Formed MDS in 2007 for undertaking microfinance intervention and has been able leading the microfinance work of the organisation for 3 years.

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Arupjyoti Rai Baruah ( Promoter Director)

Post Graduate Diploma in Rural Management (PGDRM) – IRMA         with 15 years of corporate and development sector experience. Has previously worked as consultant for entrepreneurship with UNIDO- Jordan from 2002 to 2006. Key activities involved  - Establishing a business counseling system and provide advisory services to potential entrepreneurs for business identification, planning, implementation and management, facilitate in attracting Foreign Direct Investment to Jordan and Promoting sector specific companies for Joint ventures and Sub-contracting. Served with Entrepreneurship Development Institute of India as faculty member for 3 years, Nagarjuna Fertilisers as Area Manager for 3 years and SAIL as Management Trainee/ Junior Manager for 2 years. Specializes in enterprise development, business facilitation and loan portfolio audit.   One of the key promoters of CLFL, Arup is an alumni of Institute of Rural Management, Anand and has over 15 years of working experience in both development and corporate sector. Specializing in SME development Arup contributes to visioning of the organisation by guiding the planning process & livelihood related interventions

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