About Us

Our Team

R. Srinivasan, Executive Vice Chairman 

Mr Srinivasan has worked closely with Mr Ramesh Ramanathan in drawing the blue print of Janalakshmi and continues to be the guiding force for the entire team. Prior to joining Janalakshmi as CEO, he served as Deputy Chief Executive Officer, India of ANZ Grindlays Bank and later as a senior advisor to both Fitch Ratings and JP Morgan. Mr. Srinivasan has an M A in Economics from Delhi University and has more than four decades of experience in both the Public and Corporate sector

V.S. Radhakrishnan, CEO & Managing Director 

Radha, as he is fondly called, is a veteran banker with an illustrious career in the banking sector. He was with HSBC for over 25 years where he held various senior positions before moving to ING Vysya Bank for 3 years. Radha has an MBA from Indian Institute of Management, Ahmedabad.

C.P. Rangarajan, Sr VP - Retail Financial Services 

Rangarajan is a veteran Banker with a rich and successful legacy and experience of nearly four decades in Banking. His career started in State Bank of India where he handled a variety of Banking and Senior management functions and had significant achievements to his credit during his 26 years of service. He joined Axis in 1997 and held very strategic senior positions in business development and successfully drove the growth plans and was a member of the Core Management Team of Axis Bank.

Rangarajan has a Post Graduate in Economics and holds a CAIIB qualification.

K.S. Ramdas, CEO - Enterprise Financial Services 

Ram has over three decades of an illustrious banking career, most prominently 17 years at JP Morgan Chase in New York in which he held positions of increasing responsibility in corporate and retail banking. Ram also led Chase's investment and insurance advisory services for small businesses. His other employers include Bank of America, National Bank of Bahrain and Toronto Dominion Bank. Recently, as EVP & Head of DCB's SME business, he launched their foray across major Indian metros. Ram is passionate about building de novo business verticals and is sought out as a mentor.

Ram has an MBA from IIM Ahmedabad, and an M.A from the Delhi School of Economics.

N.S. Rajan, Sr VP - Audit 

Rajan is a veteran in the field of microfinance and banking, including Lease/ Hire Purchase & Public Deposits of NBFC, having been closely involved in the sector in rural and urban areas through various government sponsored Urban Poor schemes such as PMRY, SEEUY, SEPUP, IRDP, BHAGYJYOTI etc. Rajan served as Assistant General Manager in Centurion Bank for about 7 years and earlier in Canara Bank for about 24 years, including 5 years in the Bank's NBFC subsidiary.

Rajan, has a CAIIB from Indian Institute of Bankers, Mumbai, Bachelor in Law from Bangalore University and an MBA from IGNOU.

S. Gopalakrishnan, Chief Financial Officer 

Gopal joins Janalakshmi with twenty-eight years of experience including over eighteen years of experience in the banking sector. Gopal has been with top firms, such as Andhra Bank, Narasu's Coffee, and Weizmann Homes Ltd. His latest stint was with Sai India Ltd where he was CFO for 2 years.

Gopal holds a B.Sc from Madras University and is a Chartered Accountant.

Daniel Mahanty, VP - Credit, Risk & Operations 

Daniel Mahanty began his banking career as a probationary officer in the State Bank of India. He worked for over two decades in various operational and administrative assignments in SBI, before moving to Axis Bank and thereafter to a bank in Saudi Arabia. Along the way, a chance assignment in the Data Processing Cell of SBI whetted his curiosity in IT. Daniel then equipped himself with suitable qualifications and moved into the IT security and audit space, where he remained for 6 years. An abiding interest in grassroots lending to the underprivileged and a desire to return home brought Daniel to Janalakshmi

R. Dasarathy, VP - Technology & Processes 

Over the course of his career, Das has accumulated over 25 years of experience in the banking sphere, having worked at a number of reputed corporations such as the State Bank of India, Credit Agricole, and ING Vysya Bank before coming onboard the Janalakshmi team in July 2007. He drives technology and associated special projects. Das holds an M.A (Mathematics) from the University of Delhi and an MBA from the FMS, also of University of Delhi

V. Venkatakrishnan, VP - Admin & Branch Expansion  

Venkat has a wealth of experience in the public, private and international banking sectors, having done stints with Indian Bank, IDBI, ING Vysya and the International Commercial Bank West Africa in his 25-year professional career. He joined Janalakshmi in early 2008 to manage Business Operations for North Bangalore.

Venkat has an M.A from Madras University, and a CAIIB from the Indian Institute of Banking and Finance.

Ivan D'Souza, VP - HR 

With over 15 years of experience in Human Resources function in organizations such as Yokogawa, Tyco Electronics and Flowserve, Ivan brings significant expertise in the area of human resource management to Janalakshmi. In all his previous assignments, he was the lead member of H.R. team supporting the expansion and growth initiatives of the organizations. The immediate previous position held by him was Director - Human Resources at Flowserve for their Indian operations. He joined Janalakshmi in February 2011 and currently heads the H.R. function at Janalakshmi. Ivan holds a post graduate degree from Roshni Nilaya, Mangalore University.

Cecil Lazarus, VP - Training 

Cecil has fourteen years of manufacturing experience in both financial and commercial areas prior to joining Sanghamitra, a Bangalore - based MFI, where he headed the operations for six years. He transitioned to Janalakshmi with the absorption of the Urban portfolio of Sanghamitra. Cecil has invaluable hands on experience in running MFIs and now heads the Training Function.

Cecil has an MBA from Bangalore University. He is also a certified member of the Association of Cost Accountants, AICWA.

S. Balasubramaniam, VP & Zonal Head - South Zone 

Balu, with over 33 years of experience in Banking has handled a large network of Branches and dealt with staff management in Andhra Bank and ING Vysya Bank. He joined Janalakshmi in January 2010 as Head, Tamil Nadu based in Chennai.

Balu is a B.Sc degree holder from University of Madras and holds a CAIIB qualification.

Praveen Kumar Saha, VP & Zonal Head - North, East & Central Zone 

With over 11 years of experience in financial services, Praveen on boarded Janalakshmi team in December 2008. Before joining Janalakshmi he has worked with ICICI Bank, GE Money, Mittsoft Technologies and Capstone Financial services where he was Product Manager-Microfinance . Praveen has Mechanical Engineering degree from Bangalore University and has done E.P.B.M from IIM Kolkata.

Rajendra K Thote, VP & Zonal Head - West 

Rajendra has 25 years of Banking experience, working with Public and Private sector Banks such as Corporation Bank, Centurion Bank and IndusInd Bank where he was a Deputy Vice President - Operations, West Zone, prior to joining Janalakshmi in June 2010 as Head - Western India.

Rajendra has a B.A from Osmania University, Hyderabad, an MBA from National Institute of Management, Mumbai and is certified in KYC, AML and Trade finance from Indian Institute of Banking & Finance, Mumbai.

Bharath Sondur, National Head - Sales, Liability Business 

Bharath heads the National Sales team for the liability business which Janalakshmi started recently as part of the new initiative under the Urban Financial Inclusion program with Axis Bank. He has 17 years of banking experience with 6 banks in different capacities and geographies. He started his career with State Bank of Travancore in 1993, then worked with Global Trust Bank as Senior Officer and HDFC Bank as Branch Manager and Cluster Head - Karnataka. He moved to ING Vysya Bank as Vice President & Regional Head for Karnataka in 2006 handling 132 branches in Karnataka and post which he moved to Bank Of Bahrain & Kuwait to manage Liability Sales for Indian Operations. His latest assignment was with IndusInd Bank as Vice President and Regional Head for Gujarat.

Bharath holds a B.Sc and a PG Diploma in Computer Applications.

Saurabh Johri, VP - Strategic Planning 

Saurabh has over 13 years of experience in Strategy and Technology. He joined Janalakshmi in December 2010 as VP, Strategic Planning. Prior to Janalakshmi, Saurabh was Senior Manager at Corporate Strategy at Infosys Technologies. Saurabh's experience spans across Strategy (Innovation Assessment & Funding, Business Planning, Balanced Scorecards) and Technology (Consulting for US based clients). The current area of focus are strategy formulation and implementation. Saurabh has B.Tech from Institute of Technology (IT-BHU, India) and MBA from Ohio State University (Fisher College of Business, OSU, USA)

Mahadev Prakash, Company Secretary 

M. J. Mahadev Prakash has a total experience of 10 years as Company Secretary in various industries ranging from pharmaceuticals, electronic components and Real Estate. He was inducted into Janalakshmi Financial Services Pvt. Ltd., during May 2011 as Company Secretary, before which he held the position of Company Secretary and Dy. General Manager - Corporate Affairs, since December 2010, in Janaadhar Constructions Pvt. Ltd., which is a group company of Janalakshmi. His previous employers include Bal Pharma Ltd., BPL Group and RMZ Corp. He holds a Bachelors Degree in Business Management from Mysore University and a Masters Degree in Commerce from Karnataka State Open University, Mysore. He is an Associate Member of the Institute of Company Secretaries of India, New Delhi and also holds a Masters Degree in Business Laws from National Law School of India University, Bangalore.

Jaya Rupanagunta, VP - Product & Marketing 

With over ten years of experience in financial services, Jaya joined Janalakshmi in April 2005, when it was still a sub-unit of Sanghamitra. She was a part of the original team that made the transition to Janalakshmi in 2006. Prior to that, she had been working for Treasury Strategies, Chicago, in cash management. She now heads the Product team at Janalakshmi. Jaya has a B.A. (Econ. Honours) from Lady Shriram College, Delhi, and an MBA from IMT, Ghaziabad.