Committees of the Board

Mr. Pankaj Razdan is a veteran financial-services leader with 30+ years of experience building, scaling, and transforming large multi-line financial institutions across wealth management, asset management, insurance, lending, capital markets, and offshore businesses. He has led platforms across the full business lifecycle—from inception and scale-up to mature-market leadership and complex transformations—combining strategic vision, capital allocation discipline, and operating execution. His career spans CEO, Deputy CEO, Board-level roles, and PE-backed transformations, with a consistent track record of outsized growth, profitability, and institutionalisation.

He is currently the Founder & Chairman of Revanta Capital (Dubai, DFSA-regulated; India) and Founder & Managing Director of Razdan Consulting. He holds a Postgraduate degree in Electronics Engineering and has completed Executive Programs at IIM Ahmedabad.

Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.

Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.

Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.

Mr. Rakesh Joshi is a distinguished BFSI professional with over 41 years of national and international experience spanning Wholesale Banking, Retail Banking, Investment Banking, and Insurance. His career reflects deep expertise and leadership across the financial services spectrum, marked by strategic vision and operational excellence.

With 15 years in Front Office roles, Mr. Joshi has held positions ranging from Junior Trader to Chief Dealer, gaining an exceptional understanding of Markets and Asset-Liability Management (ALM) organizations. His hands-on experience in trading and treasury operations has equipped him with a nuanced grasp of financial instruments, risk dynamics, and market behavior.

Mr. Joshi has been instrumental in designing and restructuring systems and procedures, significantly enhancing growth trajectories and profitability across institutions. His strategic interventions have consistently delivered measurable improvements in operational efficiency and financial performance.

Following a substantial and successful tenure in Retail, Wholesale, and Investment Banking, Mr. Joshi transitioned to the regulatory domain, joining the Insurance Regulatory and Development Authority of India (IRDAI) as Whole Time Member (Finance and Investments). In this pivotal role, he oversaw critical financial and investment frameworks within the insurance sector, contributing to policy formulation and sectoral stability. He retired from IRDAI in December 2023.

Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.

Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.

Mr. Pankaj Razdan is a veteran financial-services leader with 30+ years of experience building, scaling, and transforming large multi-line financial institutions across wealth management, asset management, insurance, lending, capital markets, and offshore businesses. He has led platforms across the full business lifecycle—from inception and scale-up to mature-market leadership and complex transformations—combining strategic vision, capital allocation discipline, and operating execution. His career spans CEO, Deputy CEO, Board-level roles, and PE-backed transformations, with a consistent track record of outsized growth, profitability, and institutionalisation.

He is currently the Founder & Chairman of Revanta Capital (Dubai, DFSA-regulated; India) and Founder & Managing Director of Razdan Consulting. He holds a Postgraduate degree in Electronics Engineering and has completed Executive Programs at IIM Ahmedabad.

Mr. Khosla is a seasoned top management executive with over 35 years of deep experience across diverse geographies, functions and roles in multiple domains - Consumer Banking, Payments, Healthcare, Life and Health Insurance. He has expertise in senior executive management skills and responsibilities, including in Chairman, President and CEO roles. He has a sophisticated understanding of business, organizational, governance and functional dimensions and has demonstrated his credentials as a leader of business growth, transformative development, quality performance, building organizational capabilities while managing a wide range of constituents across customers, employees, shareholders, boards and regulators.
Mr. Khosla is an Economics graduate and a qualified Chartered Accountant.

Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.

Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.

Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.

Mr. Khosla is a seasoned top management executive with over 35 years of deep experience across diverse geographies, functions and roles in multiple domains - Consumer Banking, Payments, Healthcare, Life and Health Insurance. He has expertise in senior executive management skills and responsibilities, including in Chairman, President and CEO roles. He has a sophisticated understanding of business, organizational, governance and functional dimensions and has demonstrated his credentials as a leader of business growth, transformative development, quality performance, building organizational capabilities while managing a wide range of constituents across customers, employees, shareholders, boards and regulators.
Mr. Khosla is an Economics graduate and a qualified Chartered Accountant.

Krishnan Subramania Raman has more than 35 years’ of banking experience from India, Singapore, Indonesia and the UAE, 5 of which have been in Jana. Just prior to joining Jana, he has held senior roles in Risk Management at Mashreq Bank, UAE, Standard Chartered Permata Bank, Indonesia (a Standard Chartered joint venture bank) and Dunia Finance, a Dubai-based company.

Raman is a Post Graduate in Business Management from the Indian Institute of Management, Calcutta. He is an Associate member of the Institute of Chartered Accountants of India and is a member of the Indian Institute of Bankers.

Mr. Rakesh Joshi is a distinguished BFSI professional with over 41 years of national and international experience spanning Wholesale Banking, Retail Banking, Investment Banking, and Insurance. His career reflects deep expertise and leadership across the financial services spectrum, marked by strategic vision and operational excellence.

With 15 years in Front Office roles, Mr. Joshi has held positions ranging from Junior Trader to Chief Dealer, gaining an exceptional understanding of Markets and Asset-Liability Management (ALM) organizations. His hands-on experience in trading and treasury operations has equipped him with a nuanced grasp of financial instruments, risk dynamics, and market behavior.

Mr. Joshi has been instrumental in designing and restructuring systems and procedures, significantly enhancing growth trajectories and profitability across institutions. His strategic interventions have consistently delivered measurable improvements in operational efficiency and financial performance.

Following a substantial and successful tenure in Retail, Wholesale, and Investment Banking, Mr. Joshi transitioned to the regulatory domain, joining the Insurance Regulatory and Development Authority of India (IRDAI) as Whole Time Member (Finance and Investments). In this pivotal role, he oversaw critical financial and investment frameworks within the insurance sector, contributing to policy formulation and sectoral stability. He retired from IRDAI in December 2023.

Mr. Pankaj Razdan is a veteran financial-services leader with 30+ years of experience building, scaling, and transforming large multi-line financial institutions across wealth management, asset management, insurance, lending, capital markets, and offshore businesses. He has led platforms across the full business lifecycle—from inception and scale-up to mature-market leadership and complex transformations—combining strategic vision, capital allocation discipline, and operating execution. His career spans CEO, Deputy CEO, Board-level roles, and PE-backed transformations, with a consistent track record of outsized growth, profitability, and institutionalisation.

He is currently the Founder & Chairman of Revanta Capital (Dubai, DFSA-regulated; India) and Founder & Managing Director of Razdan Consulting. He holds a Postgraduate degree in Electronics Engineering and has completed Executive Programs at IIM Ahmedabad.

Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.

Krishnan Subramania Raman has more than 35 years’ of banking experience from India, Singapore, Indonesia and the UAE, 5 of which have been in Jana. Just prior to joining Jana, he has held senior roles in Risk Management at Mashreq Bank, UAE, Standard Chartered Permata Bank, Indonesia (a Standard Chartered joint venture bank) and Dunia Finance, a Dubai-based company.

Raman is a Post Graduate in Business Management from the Indian Institute of Management, Calcutta. He is an Associate member of the Institute of Chartered Accountants of India and is a member of the Indian Institute of Bankers.

Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.

Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.

Mr. Rakesh Joshi is a distinguished BFSI professional with over 41 years of national and international experience spanning Wholesale Banking, Retail Banking, Investment Banking, and Insurance. His career reflects deep expertise and leadership across the financial services spectrum, marked by strategic vision and operational excellence.

With 15 years in Front Office roles, Mr. Joshi has held positions ranging from Junior Trader to Chief Dealer, gaining an exceptional understanding of Markets and Asset-Liability Management (ALM) organizations. His hands-on experience in trading and treasury operations has equipped him with a nuanced grasp of financial instruments, risk dynamics, and market behavior.

Mr. Joshi has been instrumental in designing and restructuring systems and procedures, significantly enhancing growth trajectories and profitability across institutions. His strategic interventions have consistently delivered measurable improvements in operational efficiency and financial performance.

Following a substantial and successful tenure in Retail, Wholesale, and Investment Banking, Mr. Joshi transitioned to the regulatory domain, joining the Insurance Regulatory and Development Authority of India (IRDAI) as Whole Time Member (Finance and Investments). In this pivotal role, he oversaw critical financial and investment frameworks within the insurance sector, contributing to policy formulation and sectoral stability. He retired from IRDAI in December 2023.

Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.

Krishnan Subramania Raman has more than 35 years’ of banking experience from India, Singapore, Indonesia and the UAE, 5 of which have been in Jana. Just prior to joining Jana, he has held senior roles in Risk Management at Mashreq Bank, UAE, Standard Chartered Permata Bank, Indonesia (a Standard Chartered joint venture bank) and Dunia Finance, a Dubai-based company.

Raman is a Post Graduate in Business Management from the Indian Institute of Management, Calcutta. He is an Associate member of the Institute of Chartered Accountants of India and is a member of the Indian Institute of Bankers.

Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.

Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.

Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.

Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.

Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.

Mr. Pankaj Razdan is a veteran financial-services leader with 30+ years of experience building, scaling, and transforming large multi-line financial institutions across wealth management, asset management, insurance, lending, capital markets, and offshore businesses. He has led platforms across the full business lifecycle—from inception and scale-up to mature-market leadership and complex transformations—combining strategic vision, capital allocation discipline, and operating execution. His career spans CEO, Deputy CEO, Board-level roles, and PE-backed transformations, with a consistent track record of outsized growth, profitability, and institutionalisation.

He is currently the Founder & Chairman of Revanta Capital (Dubai, DFSA-regulated; India) and Founder & Managing Director of Razdan Consulting. He holds a Postgraduate degree in Electronics Engineering and has completed Executive Programs at IIM Ahmedabad.

Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.

Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.

Krishnan Subramania Raman has more than 35 years’ of banking experience from India, Singapore, Indonesia and the UAE, 5 of which have been in Jana. Just prior to joining Jana, he has held senior roles in Risk Management at Mashreq Bank, UAE, Standard Chartered Permata Bank, Indonesia (a Standard Chartered joint venture bank) and Dunia Finance, a Dubai-based company.

Raman is a Post Graduate in Business Management from the Indian Institute of Management, Calcutta. He is an Associate member of the Institute of Chartered Accountants of India and is a member of the Indian Institute of Bankers.

Mr. Rakesh Joshi is a distinguished BFSI professional with over 41 years of national and international experience spanning Wholesale Banking, Retail Banking, Investment Banking, and Insurance. His career reflects deep expertise and leadership across the financial services spectrum, marked by strategic vision and operational excellence.

With 15 years in Front Office roles, Mr. Joshi has held positions ranging from Junior Trader to Chief Dealer, gaining an exceptional understanding of Markets and Asset-Liability Management (ALM) organizations. His hands-on experience in trading and treasury operations has equipped him with a nuanced grasp of financial instruments, risk dynamics, and market behavior.

Mr. Joshi has been instrumental in designing and restructuring systems and procedures, significantly enhancing growth trajectories and profitability across institutions. His strategic interventions have consistently delivered measurable improvements in operational efficiency and financial performance.

Following a substantial and successful tenure in Retail, Wholesale, and Investment Banking, Mr. Joshi transitioned to the regulatory domain, joining the Insurance Regulatory and Development Authority of India (IRDAI) as Whole Time Member (Finance and Investments). In this pivotal role, he oversaw critical financial and investment frameworks within the insurance sector, contributing to policy formulation and sectoral stability. He retired from IRDAI in December 2023.

Mr. Rakesh Joshi is a distinguished BFSI professional with over 41 years of national and international experience spanning Wholesale Banking, Retail Banking, Investment Banking, and Insurance. His career reflects deep expertise and leadership across the financial services spectrum, marked by strategic vision and operational excellence.

With 15 years in Front Office roles, Mr. Joshi has held positions ranging from Junior Trader to Chief Dealer, gaining an exceptional understanding of Markets and Asset-Liability Management (ALM) organizations. His hands-on experience in trading and treasury operations has equipped him with a nuanced grasp of financial instruments, risk dynamics, and market behavior.

Mr. Joshi has been instrumental in designing and restructuring systems and procedures, significantly enhancing growth trajectories and profitability across institutions. His strategic interventions have consistently delivered measurable improvements in operational efficiency and financial performance.

Following a substantial and successful tenure in Retail, Wholesale, and Investment Banking, Mr. Joshi transitioned to the regulatory domain, joining the Insurance Regulatory and Development Authority of India (IRDAI) as Whole Time Member (Finance and Investments). In this pivotal role, he oversaw critical financial and investment frameworks within the insurance sector, contributing to policy formulation and sectoral stability. He retired from IRDAI in December 2023.

Mr. Pankaj Razdan is a veteran financial-services leader with 30+ years of experience building, scaling, and transforming large multi-line financial institutions across wealth management, asset management, insurance, lending, capital markets, and offshore businesses. He has led platforms across the full business lifecycle—from inception and scale-up to mature-market leadership and complex transformations—combining strategic vision, capital allocation discipline, and operating execution. His career spans CEO, Deputy CEO, Board-level roles, and PE-backed transformations, with a consistent track record of outsized growth, profitability, and institutionalisation.

He is currently the Founder & Chairman of Revanta Capital (Dubai, DFSA-regulated; India) and Founder & Managing Director of Razdan Consulting. He holds a Postgraduate degree in Electronics Engineering and has completed Executive Programs at IIM Ahmedabad.

Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.

Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.

Mr. Rakesh Joshi is a distinguished BFSI professional with over 41 years of national and international experience spanning Wholesale Banking, Retail Banking, Investment Banking, and Insurance. His career reflects deep expertise and leadership across the financial services spectrum, marked by strategic vision and operational excellence.

With 15 years in Front Office roles, Mr. Joshi has held positions ranging from Junior Trader to Chief Dealer, gaining an exceptional understanding of Markets and Asset-Liability Management (ALM) organizations. His hands-on experience in trading and treasury operations has equipped him with a nuanced grasp of financial instruments, risk dynamics, and market behavior.

Mr. Joshi has been instrumental in designing and restructuring systems and procedures, significantly enhancing growth trajectories and profitability across institutions. His strategic interventions have consistently delivered measurable improvements in operational efficiency and financial performance.

Following a substantial and successful tenure in Retail, Wholesale, and Investment Banking, Mr. Joshi transitioned to the regulatory domain, joining the Insurance Regulatory and Development Authority of India (IRDAI) as Whole Time Member (Finance and Investments). In this pivotal role, he oversaw critical financial and investment frameworks within the insurance sector, contributing to policy formulation and sectoral stability. He retired from IRDAI in December 2023.

Mr. Pankaj Razdan is a veteran financial-services leader with 30+ years of experience building, scaling, and transforming large multi-line financial institutions across wealth management, asset management, insurance, lending, capital markets, and offshore businesses. He has led platforms across the full business lifecycle—from inception and scale-up to mature-market leadership and complex transformations—combining strategic vision, capital allocation discipline, and operating execution. His career spans CEO, Deputy CEO, Board-level roles, and PE-backed transformations, with a consistent track record of outsized growth, profitability, and institutionalisation.

He is currently the Founder & Chairman of Revanta Capital (Dubai, DFSA-regulated; India) and Founder & Managing Director of Razdan Consulting. He holds a Postgraduate degree in Electronics Engineering and has completed Executive Programs at IIM Ahmedabad.

Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.

Krishnan Subramania Raman has more than 35 years’ of banking experience from India, Singapore, Indonesia and the UAE, 5 of which have been in Jana. Just prior to joining Jana, he has held senior roles in Risk Management at Mashreq Bank, UAE, Standard Chartered Permata Bank, Indonesia (a Standard Chartered joint venture bank) and Dunia Finance, a Dubai-based company.

Raman is a Post Graduate in Business Management from the Indian Institute of Management, Calcutta. He is an Associate member of the Institute of Chartered Accountants of India and is a member of the Indian Institute of Bankers.

Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.

Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.