Management Team

Ajay Kanwal is Jana Small Finance Bank's Chief Executive Officer. He is a veteran consumer and commercial banker with 35 years’ experience in the banking industry. Ajay was Regional CEO of ASEAN & South Asia at Standard Chartered Bank before joining Jana Small Finance Bank as CEO in 2017. He also had a short stint as Senior Advisor at TPG and Mastercard. He began his career with Citibank and has held various leadership positions throughout his banking career at Standard Chartered, including CEO of Taiwan, Regional CEO for North East Asia, and Regional Head of Consumer Banking for South East Asia.

Ajay has served on the board of several companies, including as Chairman of the Board of Standard Chartered Bank (Singapore) Ltd., Director of Standard Chartered Bank (China) Ltd. and Standard Chartered Bank (Korea) Ltd. and Commissioner of PT Bank Permata, among others.

Abhilash Sandur is the Chief Financial Officer at Jana Small Finance Bank. Abhilash is a qualified Chartered Accountant and has done his Masters in Commerce from Bangalore University. Abhilash has over 15 years of experience with last 6 years in Jana Small Finance Bank. He has extensive experience in multiple in Finance areas including Controllership, Business Planning and Analytics, Cost Controls, Business Finance, Process Re-Engineering, and Balance sheet controls. Prior to joining Jana, Abhilash has worked at ING Vysya Bank, Kotak Mahindra Bank and Bharti Axa General Insurance.

Asheesh Umesh Maroo is the Chief Credit Officer at Jana Small Finance Bank.

Asheesh brings with him over 30 years of experience in Banking & Financial sector with expertise in Credit Underwriting and Business Development for Retail Assets, Liability and MSME. Prior to joining Jana, he has worked with Yes Bank, ICICI Bank & Aditya Birla Finance( erstwhile Birla Global Finance).

Asheesh is a Chartered Accountant from Institute of Chartered Accountants of India, and a Commerce graduate from Shri Ram College of Commerce , Delhi University.

Ashish Gopal Saxena is the Chief Information & Digital Officer at Jana Small Finance Bank. As the CIO of the Bank, Ashish is responsible for managing the IT Strategy, creating business value using Information and communication technology and providing the best in class IT enabled DIGITAL solutions to Bank’s customers.
Ashish has 22 years of experience in technology functions to design, deliver and implement high-performance solutions. Ashish’s experience includes AU Small Finance Bank where he was responsible for setting up the Bank’s technology set up. Ashish has also held various senior positions in reputed organizations such as UGRO Capital Ltd, Aviva Life insurance, Max New York Life and TCS.
Ashish has a Bachelor’s degree in Electronics Engineering from IET, Lucknow.

Chitra Menon is Jana Small Finance Bank’s Chief Compliance Officer.

Chitra has over 26 years of Banking experience across Operations, Retail Branch Banking, Risk Management, Process Re-engineering, Service quality and Internal Controls.

Prior to joining Jana Bank , Chitra worked with ICICI Bank and HDFC Bank in various roles .Chitra holds a Bachelor’s Degree in Commerce from Delhi University and a Diploma in Business Management from IGNOU. She is also a certified Six Sigma Green Belt.

Lakshmi R N is the Company Secretary at Jana Small Finance Bank. She joined Jana in 2013 and was appointed Company Secretary in 2018. Lakshmi has 18 years of experience in secretarial functions and corporate governance. Prior to joining Jana, Lakshmi worked with ING Vysya Bank Limited, Firstapex Software Technologies Private Limited and Kirloskar Multimedia Limited.
Lakshmi holds a Bachelor’s degree in commerce from Bangalore University. She is an associate member of the Institute of Company Secretaries of India, New Delhi.

M Ramachandran is the Chief Audit Officer. at Jana Small Finance Bank. Ram has 41 years of experience in the Banking industry and has exposure to various areas of Risk Management, Audit & Compliance and Vigilance. Prior to joining Jana, Ram worked with HDFC Bank, Vijaya Bank and Corporation Bank in key leadership roles.
Ram holds a Master’s degree in Commerce from Delhi University, a Bachelor’s Degree in Law from Saurashtra University and Diploma in Business Management from All India Management Association.

Rajesh Kumar Sharma is the Chief Operating Officer.

Rajesh brings in 36 Years of Banking experience in setting-up and managing Operation, Corporate Relationship, Cash Management, Retail Operations Units, include Centralised Operations, Branch Banking, Clearing, Trade, Currency Chest operations & Contact centre. Prior to joining Jana Bank, he worked for HDFC Bank and Cooperation Bank.

He is a commerce graduate from St. Xaviers College, Ranchi and Post Graduate Diploma from XISS, Ranchi.

Satish Ramachandran is the Chief Risk Officer for Jana Small Finance Bank. He has worked with leading financial institutions in India such as Citibank NA, Standard Chartered Bank and Fullerton India and comes with over 20 years of experience across credit policy, collections, underwriting and sales. Prior to joining Jana, he was heading new policy initiatives in Fullerton India and was instrumental in launching new products in Fullerton.
Satish has an engineering degree from BITS Pilani and a PGDM from IIM Lucknow.

Sudhir is the Head – Strategic Alliance and responsible for deepening our existing relationship, add, build & strengthen relationship with new partners and responsible to deliver custom made products to customers, spanning across both liabilities and assets.

Sudhir comes with 30 years of experience in Banking & Financial sector. In his earlier role, he also set up strategic alliances and BC partnership to drive the business growth. Prior to joining us he was associated with Citibank, Royal Bank of Scotland & Bajaj Finance Ltd.

He holds Post Graduate Diploma in Business Administration from ICFAI Business School, and Mechanical Engineering from Visvesvaraya National Institute of Technology.