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Management Team


PUBLIC SECTOR 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 from NBFC-MFI to SFB, he led the Training, Recruitment and Corporate Communication verticals. His last stint with USFB was as a Deputy CFO (Head - Finance and Corporate Communication). Currently, he is also a Director in the Board of Utkarsh Welfare Foundation. Prior to joining Utkarsh, he was with NABARD Financial Services Ltd. (NABFINS) 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 several 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. He has attended several conferences / seminars as Panelist / Speaker at National & International levels and has also taken sessions at Institutions like CAB (RBI), NIBM, SIBSTC, etc. 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 several 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
He has over 6 years of experience in the fields of Accounts & Finance, Taxation, Micro Credit and Internal Audit. Initially he had joined Utkarsh as Concurrent Auditor in Internal Audit Department and currenlty is overseeing Finance and Accounts verticals. Prior to Utkarsh he was with a real-estate company based out of Varanasi in its finance and accounts vertical. He is a Chartered Accountant by profession from Institute of Chartered Accountants of India (2011) and a Commerce Graduate from Banaras Hindu University (2010).




PUBLIC SECTOR Mr. Neeraj Kumar Tiwari
Company Secretary & Compliance Officer
He has over 5 years of corporate experience. Prior to Utkarsh 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. He also received NSE's Certification in Financial Markets (NCFM) for Compliance Officer (Corporate) Module.