Gagan Sehgal

Chief Operating Officer

Over 14 years of handling banking Operations and administration in rural as well as urban new generation banking system. He has worked with premier banking institutions like ICICI Bank Ltd, Kotak Mahindra Bank and Indusind Bank in UP in various capacities. He has had extensive exposure in Retail banking and also macro level functions such as inspection & audit, investment & banking operations and planning & development. During his assignment as Deputy Vice President with Indusind bank he headed western UP for Rural banking. He is also certified for Mutual funds by AMFI, Life Insurance by IRDA, Depository Module by NISM and AML by IIB.

Gurmeet Anand

AVP-Strategy and Resource Generation

MBA-Finance and Post Graduate in Commerce, he has an experience of over 11 years in the Development and Financial sector. Prior joining to Margdarshak in 2006, he has worked with IFFDC (a sister concern of IFFCO) for 4 years in development projects. He has intricate knowledge of the grass root level functions of Micro Finance and plays an active role in development of business for the organization. As a business planning head, he is responsible for resource generation for microfinance program including development of business plan and overall reporting the progress to Asset Liability Committee of the board.

Anchit Pandey

Company Secretary

Company Secretary with an experience of more than 5 years in a Secretarial, Legal and Managerial work profile, with proficiency in handling Corporate Law matters, statutory compliances, drafting and documentation. Previously served as Company Secretary in Global Classroom Pvt. Ltd., Lucknow, a group company of CMS school. She is responsible for handling legal and statutory compliances of the Company as per regulatory norms.

Sandeep Srivastava

AVP- Operations

Post Graduate in Sociology with over 17 years of grass roots experience in working with first generation entrepreneurs. He has previously worked for programme funded by NABARD, DIC Uttar Pradesh, Council of Science & Technology, and Department of Science & Technology during 1994-2000. Sandeep joined Margdarshak in 2007, as a project officer for implementing ‘Rural Industries programme’ of SIDBI in Barabanki district. He is also involved in piloting of Enterprise Loan. Presently overseeing the micro finance operations of the company and providing technical support to ensure that client outreach and financial goals and targets are met.

Sapna Kukreja

Senior Manager- Finance & Accounts

Chartered Accountant with over 4 years of experience in corporate sector. Previously served Vodafone India with a core responsibility of handling direct and indirect taxation. Also worked with Sahara India where she was responsible for maintaining books of accounts. Primary responsible for accounts and financial management.

Himanshu Agarwal

Senior Manager Finance & Accounts

Chartered Accountant with over 4 year experience in Audit, Account and Taxation. Has worked with one of the leading chartered accountant firm of Lucknow and was engaged in audit for corporate and finalization account of partnership as well as proprietorship firms. He is currently responsible for overseeing taxation, cash flow management and stock management.

Swati Khanna

Company Secretary

Swati is a qualified member of Institute of Company Secretaries of India. She has completed her Management Training of 18 months organized by Institute of Company Secretaries of India from renowned Kanpur based Real Estate Company and having an experience of more than 2 years in Secretarial and Legal work. Presently, overseeing the Legal and Statutory Compliances of the Company as per regulatory norms.

Divya Tripathi

AVP-HR & Admin

Master in Personnel Management & Industrial Relations and Over 11 years experience in Human Resource Management especially in the areas of people management, performance management, training & development, various HR software handling, statutory compliance, recruitment & selection, Process making & implementation. Previously served Telecom Industry and Retail Sector as Human Resource Manager for implementation of organization HR policy in the organisation. She also heads the Client Education and Engagement functions of MFSL.

Imran Zamir

Sr. Manager-HR

Having an experience of over 8 years in the field of HR and IT, Imran Zamir has joined Margdarshak as Sr. Manager HR in July, 2016. After graduating from Roosevelt University, Chicago with a Master’s in Business Administration, he took up a job with Cricket Wireless in USA. He was responsible for overseeing the performance of the existing outlets as well as driving the company’s expansion by opening new outlets. He actively coordinated with the company’s branding department to plan a strategy that would help build a reputable reputation for the company.

Imran looks forward to using his knowledge and experience to continue to grow Margdarshak and its community while interacting closely with Operations and other departments to have a smooth functioning of HR, give strategic direction for building a respectable reputation for the company.

Ram Shankar Mishra

Sr. Manager-HR & Admin

Master in Human Resource with over 8 years experience in the HR management in the areas of sourcing/handling of manpower, employee grievance handling, implementing disciplinary policies, conducting exit interview, final settlement of employees. Previously served Kanpur Fertilizers & Cement Limited for implementation of SAP and Bio Metric Attendance.

S. K. Kulshreshtha

AVP- Internal Audit

Prior to joining Margdarshak he has worked for Nationalized Bank & has Banking experience of around 37 years in Uttar Pradesh and Uttrakhand. During his tenure with bank, Mr. Kulshreshtha had worked in various rural, Semi Urban and Urban branches in Uttar Pradesh and Uttarakhand, possess vast experience in rural trading, S.M.E. and retail Credit.. Presently overseeing the audit department with respect to systems and process are adhered at the field/branch level.

Mr. Rohit Sinha

DVP Risk

Over 14 Years of Financial product operations & administration experience across geographies, ranging from Basic CASA to retail HNI, Broking to rural banking. He has worked in Financial institutions like HDFC Bank, Angel Broking, ING Vyasya Bank & HCL Infotech Ltd. ,across Northern & Eastern India. Having in depth knowledge of Banking operations of financial Inclusion projects, in his last assignment with HDFC Bank & HCL, he was heading UP & UK for BC operations of financial inclusion projects.

Yogendra Bharti

DVP Technology

He has more than 7 years of significant experience in diverse areas encompassing Project management & operations across the Aadhaar & Mobile based payments, digital financial inclusion and branchless banking technology space. Prior joining Margdarshak, he worked with UIDAI as State Project Manager leading Aadhaar based services implementation projects across various departments of UP Government. Earlier he worked with FINO PayTech Ltd and handled operations and implementation of various digital financial inclusion, EBT/DBT, microfinance & insurance project from cluster to zonal level in several regions of India. He has also worked with GIZ (Deutsche Gesellschaft für Internationale Zusammenarbeit) & Grameen Foundation India and managed technology streamlining work & project management activities in Digital Financial Services space. He holds an MBA degree from NITIE Mumbai and has pursued Computer Engineering from KIET, Ghaziabad.

Ravi Prakash Anand

Manager – IT

MCA & MBA with 10 years of experience on ICT & Training. Previously worked as Sr. Software Developer in VNA Software Solution (P) Ltd. and as Software Consultant in HCL Info-systems Ltd. Joined Margdarshak in June 2010. Ravi is responsible for Software Project Management & Designing, 100% real time update of data on software and submission of 100% data to credit bureau.

Satya Prakash Misra

Regional Manager-Operations

With 8 years of experience in Microfinance. Previously, worked with Cashpor Microcredit. Joined Margdarshak in May 2007 and was involved in launching mF programme of Margdarshak. Responsible for achievement of business targets in central and Eastern region.

Ramesh Yadav

Regional Manager-Operations

Ramesh Yadav is one of the senior most team members of the Margdarshak group. With over 8 years of sectoral experience behind him and the benefit of working with industry major like Cashpor, Ramesh brings rich field level experience to the organization. Presently he is leading the Microfinance operations of Allahabad Region.

Pankaj Sharma

Regional Manager-Operations

Pankaj Sharma joined Margdarshak in 2010 as a Field Officer. With his dedication and hard work towards the organisation he reached to the post of Regional Manager. Presently he is leading the Microfinance operations of North Bihar Region.