Gagan Sehgal

Chief Operating Officer

Over 16 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

Sr. VP, Treasury

MBA-Finance and Post Graduate in Commerce, he has an experience of over 13 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.

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Poonam Chawla

Company Secretary

Company Secretary with an experience of over 8 years in a Secretarial, Legal and Managerial work profile, with proficiency in handling Corporate Governance, statutory and regulatory compliances, drafting and documentation. She is also a member of The Institute of Company Secretaries of India.

In Margdarshak, she is responsible to comply with the regulatory changes which affect the organization. To work closely with the legal, financial and strategic matters of the organization. She is also responsible to implement processes or systems to help ensure the company is in compliance with the legislation.

Amit V Mahajan

VP, Audit and Legal

A Chartered Accountant (F) and Gold Medalist in Law with more than 14 years specialization in Credit and Risk Management, Revenue Growth, improving operational efficiency. Spearheading in Policy formulation and implementing at strategic level and risk assessment for the organization. Expertise in the turnaround and distressed business space with a demonstrated history of working in the Core Banking Stress Restructuring Division.

Direct experience in Stressed Assets or Special Situation Assets, Valuations, Due Diligence, Debt Restructuring. Skilled in Business Analysis, Financial Restructuring, Banking, Corporate Finance and Credit Analysis. Previous Experience in ARCIL Arms Mumbai, IndusInd Bank Limited and with Axis Bank.

Yogendra Bharti

VP, Technology & Credit

He has more than 9 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 German Development Corporation (GIZ) & 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.

Sandeep Srivastava


Post Graduate in Sociology with over 19 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.

Himanshu Agarwal

DVP Finance & Accounts

Chartered Accountant with over 6 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

A qualified member of the Institute of Company Secretaries of India and Compliance Professional having 5+ years of experience in statutory and regulatory compliances with core competencies in Stakeholders Management, Regulatory Compliances, Drafting and Advisory. She holds certification in Microfinance by Indian Institute of Banking and Finance (IIBF) and has pursued LLB from University of Lucknow.

Neetu Singh

Company Secretary

A Qualified Company Secretary and a Compliance Professional with around five years of experience in Company Law / Secretarial Practice and Legal Affairs with core competencies in RoC compliances, RBI compliances, stock exchange and SEBI regulations with respect to debt listing. Prior to joining Margdarshak in 2016, she was engaged with the reputed CA firm in Lucknow as Company Secretary. She also holds the degree of Law from University of Lucknow. In Margdarshak, she is responsible for handling the statutory compliances applicable to the company from time to time, drafting and vetting of agreements and handling of International debt transactions, listing formalities, etc.

Divya Tripathi


Master in Personnel Management & Industrial Relations and Over 13 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.

S. K. Kulshreshtha

AVP Admin and PR

Prior to joining Margdarshak he has worked for Nationalized Bank & has Banking experience of around 39 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.

Ravi Prakash Anand

Sr.Manager – Technology

MCA & MBA with 11 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 10 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 10 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.