Board of Directors

Mr. Vijay Pandey, Managing Director:

Mr. Vijay Pandey a serial entrepreneur, is the Founder and Managing Director of Bhartiya Micro Credit. With his 13 years of experience in the microfinance sector. Having acquired degree in commerce he started his career of microfinance with Asia’s biggest MF company named Cashpor Micro Credit (CMC). Mr. Pandey has successfully founded various companies. He is also the promoter and president of Bhartiya Harit Khadi Gramodaya Sansthan, promoter & director of Nimisha Finance India Pvt. Ltd. He is also the promoter of Bhartiya Development Trust, M.F. Info Solutions Pvt. Ltd., Rising Star Rickshaw Company and Wheel Enterprises. Within nine years of Mr. Pandey’s leadership, BMC has achieved new heights. BMC has been awarded as the Emerging Company of the Year, 2016 by Indian Achievers’ Forum.

Mr. Vijay Pandey, Managing Director:

Mr. Vijay Pandey a serial entrepreneur, is the Founder and Managing Director of Bhartiya Micro Credit. With his 13 years of experience in the microfinance sector. Having acquired degree in commerce he started his career of microfinance with Asia’s biggest MF company named Cashpor Micro Credit (CMC). Mr. Pandey has successfully founded various companies. He is also the promoter and president of Bhartiya Harit Khadi Gramodaya Sansthan, promoter & director of Nimisha Finance India Pvt. Ltd. He is also the promoter of Bhartiya Development Trust, M.F. Info Solutions Pvt. Ltd., Rising Star Rickshaw Company and Wheel Enterprises. Within nine years of Mr. Pandey’s leadership, BMC has achieved new heights. BMC has been awarded as the Emerging Company of the Year, 2016 by Indian Achievers’ Forum.

Ms.Maya Pandey, Deputy Director

Ms. Maya Pandey is the Deputy Managing Director at Bhartiya Micro Credit, Lucknow. She is actively engaged in strategic planning and policy making of Bhartiya Micro Credit since its inception. Ms. Maya Pandey is a pillar of strength for BMC. She is also the Director of Nimisha Finance India Pvt. Ltd., Bhartiya Agrograins Producer Company Ltd. (BAPCL) and Bhartiya Cowshala Pvt. Ltd. She is working towards the social development of the poverty-struck people in the country. She has organised various health-awareness programs for the welfare of the poor and the under-served population of the society. She is a management graduate from Sikkim Manipal University.

Ms.Maya Pandey, Deputy Director

Ms. Maya Pandey is the Deputy Managing Director at Bhartiya Micro Credit, Lucknow. She is actively engaged in strategic planning and policy making of Bhartiya Micro Credit since its inception. Ms. Maya Pandey is a pillar of strength for BMC. She is also the Director of Nimisha Finance India Pvt. Ltd., Bhartiya Agrograins Producer Company Ltd. (BAPCL) and Bhartiya Cowshala Pvt. Ltd. She is working towards the social development of the poverty-struck people in the country. She has organised various health-awareness programs for the welfare of the poor and the under-served population of the society. She is a management graduate from Sikkim Manipal University.

Ms. Deepika Malik, Independent Director

Ms. Deepika Malik is currently, leading the financial inclusion work at the Cherie Blair Foundation for Women, where she works to provide business management skills and finance and market support to women entrepreneurs at the micro level. She has about nine years of cross-functional experience in international development, corporate strategy, philanthropy and impact investing. She has strong experience in Financial and Digital Inclusion, SME Development, Livelihood, Microfinance, ICT4D and Agriculture and has driven programs in Asia, MENA (Middle East/ North Africa), Sub-Saharan Africa & Latin America. Ms. Malik studied Strategic Leadership in Financial Inclusion at Harvard Business School.

Ms. Deepika Malik, Independent Director

Ms. Deepika Malik is currently, leading the financial inclusion work at the Cherie Blair Foundation for Women, where she works to provide business management skills and finance and market support to women entrepreneurs at the micro level. She has about nine years of cross-functional experience in international development, corporate strategy, philanthropy and impact investing. She has strong experience in Financial and Digital Inclusion, SME Development, Livelihood, Microfinance, ICT4D and Agriculture and has driven programs in Asia, MENA (Middle East/ North Africa), Sub-Saharan Africa & Latin America. Ms. Malik studied Strategic Leadership in Financial Inclusion at Harvard Business School.

Mr. Hanumant Rawat, Nominee Director

Mr. Hanumant Rawat has over 23 years of experience in development sector. He has been working with American India Foundation (AIF) for the last nine years. At present, is the Senior Advisor, Livelihood, where his focus is on formulating new livelihood programs, relationship building with the government, banks and private sectors. Mr. Rawat has also worked in various leadership positions with ActionAid, Appropriate Technology India, MS Swaminathan Research Foundation, Institute of Rural Management Anand and CIVICUS, Johannesburg, South Africa. He has served on selection panels of Ashoka Fellows, Ford Foundation International Fellowships, National Skill Development Corporation’s monitoring and evaluation.

Mr. Hanumant Rawat, Nominee Director

Mr. Hanumant Rawat has over 23 years of experience in development sector. He has been working with American India Foundation (AIF) for the last nine years. At present, is the Senior Advisor, Livelihood, where his focus is on formulating new livelihood programs, relationship building with the government, banks and private sectors. Mr. Rawat has also worked in various leadership positions with ActionAid, Appropriate Technology India, MS Swaminathan Research Foundation, Institute of Rural Management Anand and CIVICUS, Johannesburg, South Africa. He has served on selection panels of Ashoka Fellows, Ford Foundation International Fellowships, National Skill Development Corporation’s monitoring and evaluation.

Mr. Anjani Kumar Srivastava, Nominee Director, SIDBI

Mr. Anjani Kumar Srivastava has over 22 years of experience in SIDBI at various operational areas of the Bank like Direct Credit to MSMEs, Receivable Financing, Infrastructure Financing, NPA Management & Recovery and Human Resources at various branches and Head Office verticals at New Delhi, Ahmedabad, Lucknow and Mumbai. Presently, he is heading the Lucknow Branch. A certified Lead Auditor for ISO 9001:2008(QMS), has been instrumental in the certification of the Training Vertical of SIDBI as ISO 9001:2008 compliant. Mr. Srivastava is BE (Civil Engg.) from Delhi College of Engineering and an associate of the Indian Institute of Banking and Finance.

Mr. Anjani Srivastava, Nominee Director, SIDBI

Mr. Anjani Kumar Srivastava has over 22 years of experience in SIDBI at various operational areas of the Bank like Direct Credit to MSMEs, Receivable Financing, Infrastructure Financing, NPA Management & Recovery and Human Resources at various branches and Head Office verticals at New Delhi, Ahmedabad, Lucknow and Mumbai. Presently, he is heading the Lucknow Branch. A certified Lead Auditor for ISO 9001:2008(QMS), has been instrumental in the certification of the Training Vertical of SIDBI as ISO 9001:2008 compliant. Mr. Srivastava is BE (Civil Engg.) from Delhi College of Engineering and an associate of the Indian Institute of Banking and Finance.

Mr. Siddharth Ravindran, Independent Director

Mr. Siddharth Ravindran is the Founder and CEO of Rupeelend, a digital finance company that provides short-term loans. He started his own venture in January 2009-February 2010 which was named as Sanguine Finance. He has done MBA in Customer Relationship Management from Amity Business School. Mr. Ravindran has the work experience of 11 years in various fields. He started working as Relationship Manager (Liabilities) in India Bulls. He has also worked as Manager (Mortgage) in HSBC and had also worked at Policy Bazaar as the Head of Products (Loan & Credit Cards).

Mr. Siddharth Ravindran, Independent Director

Mr. Siddharth Ravindran is the Founder and CEO of Rupeelend, a digital finance company that provides short-term loans. He started his own venture in January 2009-February 2010 which was named as Sanguine Finance. He has done MBA in Customer Relationship Management from Amity Business School. Mr. Ravindran has the work experience of 11 years in various fields. He started working as Relationship Manager (Liabilities) in India Bulls. He has also worked as Manager (Mortgage) in HSBC and had also worked at Policy Bazaar as the Head of Products (Loan & Credit Cards).

Mr. Krishna Murari Kumar, Independent Director

Mr. Krishna Murari Kumar is presently associated with JRE Group of Institutions (A part of Raffles University,Singapore and Educomp group, India) as Associate Professor & DEAN in the School of Management. He is actively involved in the Executive Development Programmes on Business Environment, EXIM Policy & International Trading Operations and Logistics. Mr. Kumar is also associated with the 'Definition and Measurement of Five Freedoms’ project as enunciated by Prof. Amartya Sen. He has also conducted an in-company program at Hindustan Aeronautics Limited. Presently, he is involved in a project related to Cluster Development with special reference to Rice in association with IL&FS Co. He is also associated with Well Trans Logistics India Pvt. Ltd as an advisor in strategy and operations.

Mr. Krishna Murari Kumar, Independent Director

Mr. Krishna Murari Kumar is presently associated with JRE Group of Institutions (A part of Raffles University,Singapore and Educomp group, India) as Associate Professor & DEAN in the School of Management. He is actively involved in the Executive Development Programmes on Business Environment, EXIM Policy & International Trading Operations and Logistics. Mr. Kumar is also associated with the 'Definition and Measurement of Five Freedoms’ project as enunciated by Prof. Amartya Sen. He has also conducted an in-company program at Hindustan Aeronautics Limited. Presently, he is involved in a project related to Cluster Development with special reference to Rice in association with IL&FS Co. He is also associated with Well Trans Logistics India Pvt. Ltd as an advisor in strategy and operations.

Mr. Suman Saurabh, Executive Director

Mr. Suman Saurabh is the CEO of Bhartiya Micro Credit and the promoter of Nimisha Finance Pvt. Ltd. He has several years of experience in strategy, due diligence, financial modeling and structuring, retail finance, corporate finance and capital markets in large corporates and in the financial services industry. He has worked with YTS Solutions (now Airtel Mcommerce) establishing their retail-lending business in Uttar Pradesh. Mr. Saurabh has also worked with Yes Bank as part of the inclusive finance team and IFMR Capital managing their North & East India microfinance portfolio. An Amul and NTSE scholar Mr. Saurabh has completed his MBA from Institute of Rural Management Anand.

Mr. Suman Saurabh, Executive Director

Mr. Suman Saurabh is the CEO of Bhartiya Micro Credit and the promoter of Nimisha Finance Pvt. Ltd. He has several years of experience in strategy, due diligence, financial modeling and structuring, retail finance, corporate finance and capital markets in large corporates and in the financial services industry. He has worked with YTS Solutions (now Airtel Mcommerce) establishing their retail-lending business in Uttar Pradesh. Mr. Saurabh has also worked with Yes Bank as part of the inclusive finance team and IFMR Capital managing their North & East India microfinance portfolio. An Amul and NTSE scholar Mr. Saurabh has completed his MBA from Institute of Rural Management Anand.

Mr. Mukul Jaiswal, Independent Director

Mr. Mukul Jaiswal is the Managing Director of CMC and Cashpor Financial Services Private Limited and Director-in-Charge of CFTS Pvt. Ltd. He has an experience of more than 13 years in the microfinance sector. A chartered accountant by profession, Mr. Jaiswal has always been a helping hand for Cashpor Micro Credit in the capacity of a partner of a Statutory Audit firm that used to provide audit and consulting services to the Cashpor Group; he is associated with Cashpor since 2001. He is also a nominee director of Sarvodaya Foundation (a public charitable trust), Varanasi.

Mr. Mukul Jaiswal, Independent Director

Mr. Mukul Jaiswal is the Managing Director of CMC and Cashpor Financial Services Private Limited and Director-in-Charge of CFTS Pvt. Ltd. He has an experience of more than 13 years in the microfinance sector. A chartered accountant by profession, Mr. Jaiswal has always been a helping hand for Cashpor Micro Credit in the capacity of a partner of a Statutory Audit firm that used to provide audit and consulting services to the Cashpor Group; he is associated with Cashpor since 2001. He is also a nominee director of Sarvodaya Foundation (a public charitable trust), Varanasi.