A Chartered Accountant by qualification, Mr. Jayakumar also holds a Post Graduate Diploma in Business Management from XLRI, Jamshedpur. In addition, he is a distinguished Chevening Gurukool Scholar from the London School of Economics and Political Science.

Prior to his appointment as MD & CEO of Bank of Baroda, he was the Co-founder & CEO of Value Budget Housing (VBHC), a leader in housing for low and moderate income household since 2009. He was also the Co-founder & Non-Executive Promoter Director for Home First Finance Company, a housing finance institution regulated by the NHB that financed customers who weren’t able to get mortgage loans from banks.

Mr. Jayakumar has also worked with Citibank in India and Singapore, where he spent over 23 years. He has contributed to several innovations in retail banking in India. He was associated with the first asset securitisation in India in 1991 and the first multi-lingual biometric ATM for the financially excluded in 2006.

Mr. Jayakumar has held diverse assignments at Citibank, such as Treasurer - Consumer Bank, Business Development Head covering deposit and lending business, Managing Director for Citi Financial Ltd., Managing Director and Head of Citibank Consumer Loan for Asia Pacific Countries (covering Indonesia, Philippines, Australia, Thailand, Hong Kong and Korea), Country Head - Citibank Consumer Business and Head of Balance Sheet Management - Asia Pacific. He also served as a Board Member in many of Citibank's subsidiaries in India.

In his spare time, Mr. Jayakumar likes to cycle, play squash and golf.


Mr. Krishnamurthy V Varanasi

General Manager

Mr. Varanasi, General Manager- Andhra Bank, is a seasoned banker with in depth knowledge of IT domain in relation to Banking and Finance.

After joining Andhra Bank as a clerk in 1979, Mr. Varanasi grew to the position of General Manager with all-round experience in various capacities. Aligning his mettle with modern times, he chose Information Technology and got involved in changeover of the Bank’s various technological platforms in tune with the changing times.

Before joining as a General Manager at Head Office, he was heading Tirupati Zone of the Bank covering two important districts of Andhra Pradesh i.e., Chittoor and Kadapa. Currently, he takes care of various departments viz. Corporate Planning, Credit Monitoring, Marketing and Corporate Communications.

He believes that Technology in Financial World is the apparel for Basic Accounting Structure which not only eases the mundane operations but also provides actionable Management Information System.




Mr. Patel, Managing Director & CEO - Andhra Bank, is a graduate in Science and Law and a certified member of the Indian Institute of Bankers.

He started his career as an Agriculture Officer with Dena Bank in 1981. Soon, Mr. Patel assumed the role of General Manager with an operational responsibility of Gujarat and 3 Union Territories, comprising of almost 600 branches with a total business of more than fifty lakh crores. He also acted as the Convenor of SLBC in the state of Gujarat and Union Territory Level Banker’s Committee (UTLBC) for Dadra Nagar Haveli, Diu and Daman.

Prior to his present cadre in Andhra Bank, he was the Executive Director in Oriental Bank of Commerce.


Mr. Mark Gregory


Mr. Gregory has worked in senior financial and business development roles at companies including Kingfisher Plc and ASDA.

He joined Legal & General in 1998 and has held a variety of divisional finance director roles. Some of them include Group Financial Controller, Communications and Resources Director, Resources and International Director and UK Service Operations Director. Since 2006, he was Managing Director, With-Profits.

Mr. Gregory was appointed on the L&G Board in January 2009. He is now the Chief Financial Officer of Legal & General Group Plc.




Mr. Joshi is a graduate in commerce with CAIIB. His career in the Banking and Finance industry spans more than three decades. Mr. Joshi joined Bank of India in 1977 and during his stint lasting 36 years, he held various distinguished positions. He also has vast experience in Credit, SME and International Operations.

Prior to being appointed as the Executive Director of Bank of Baroda in 2013, Mr. Joshi was the General Manager of Bank of India and also served as Chief Executive, New York Branch.




Mr. Kalra holds an M.Sc and MBA (Finance) degree with CAIIB. He has undertaken various senior executive training programs in management, credit and risk management. He also has varied experience across Operations, Corporate Credit, Industrial Finance, Treasury and International Business.

Mr. Kalra served in Allahabad Bank for over three decades. He joined as a Probationary Officer and moved up the corporate ladder to hold the position of a General Manager. He joined Andhra Bank in October 2012 where he currently serves as an Executive Director.


Mr. Simon Burke

Alternate Director

A senior professional in the insurance sector, Simon brings to the group over 20 years of experience.

Mr. Burke graduated from Imperial College, London with a BSc in Chemistry and qualified as a Chartered Accountant in 1999. He is also a member of the Institute of Chartered Accountants of Scotland and served on the institute’s Pension and Tax Committees.

Later, Mr. Burke took on the role of Group Tax Director at Standard Life. During this time he led part of Standard Life’s demutualisation with the responsibility for a team of around 50 actuaries, accountants and lawyers.

Subsequently, at Legal and General, Simon led the tax function and won several industry awards. He is a member of L&G’s Shareholder Funds Investment Committee, which manages the group’s surplus capital, and a director of Legal & General Finance Plc.

Currently, Simon is the Group Commercial Director of Legal and General, London. In his spare time, he enjoys running, cycling, skiing, sailing, and supports Arsenal FC.




Mr. Tucker is a graduate in Commerce and a Certified Associate of the Indian Institute of Bankers. He has over three decades of experience in Banking and Finance with specialization in Credit and Forex Operations in India and overseas.

Mr. Tucker joined Bank of Baroda in 1979. He has served in various capacities, such as Branch Head, Regional Manager and Zonal Manager, besides a stint with the Bank’s subsidiary in Uganda. He also set up the Bahrain (AG) territory during his time as Chief Executive of Bahrain Operations.

He is presently serving as the General Manager at the corporate office of Bank Of Baroda in Mumbai and is also the Secretary to the Board of Directors.



Independent Director

Mr. Sahay has over 36 years of rich experience working in the life insurance industry. He has served as the Executive Director (Personnel) and later as the Executive Director (Marketing) at the Life Insurance Corporation of India. Mr. Sahay is credited with founding LIC’s Nepal joint venture in 2001 and led the company for three years. His guidance enabled the company to break even in less than two years of its operations.

Mr. Sahay also served as Managing Director and CEO of Star Union Dai-ichi Life after his stint at LIC.



Independent Director

Mr. Roy is an experienced executive with board-level assignments in financial services spanning commercial banking, insurance, financial technologies and management of financial institutions. He is also a Life Member of the Indian Institute of Banking and Finance.

As the Managing Director and CEO at SBI Life Insurance Company, Mr. Roy played an influential role in enabling SBI Life to emerge as one of the most significant life insurers in India. Apart from this, he has won the company some important industry level distinction and brought about significant growth in its business volumes.

In 2009, Mr. Roy retired as the Deputy Managing Director of State Bank of India, ending his 37 years long inning with the company.



Independent Director

Mr. Angara has been an Advisor (Communications, Media and Technology) at Accenture India Pvt. Ltd. He is also appointed as a Senior Advisor with the advisory arm of KPMG, Mumbai w.e.f. October 16, 2017. Prior to this he was the Director of Operations at Vodafone India Services Pvt. Ltd. and Vodafone Essar Ltd. There he managed the overall business, including product development, marketing initiatives, customer relations, network development, human resources, forecasting and financial profitability.

In the past, he has served as the President & CEO of BPL Mobile Limited and RPG Ricoh Limited. Mr. Angara specializes in launching new businesses with focus on driving financial and operational success, product and marketing innovations, expense management and customer satisfaction.


Mr. Abhijit Sen

Independent Director

Mr. Abhijit Sen has a Tech Hons from the Indian Institute of Technology and is a major in Finance and Information Systems from the Indian Institute of Management.

After retiring from Citi India as a Chief Financial Officer, Mr. Sen was associated with General Atlantic India from March 1, 2015 to August 04, 2017 as an External Advisor. He is also associated with E&Y from August 3, 2015, as a part-time Senior Advisor, to provide broad strategic support for their activities in the Banking and Financial Services Sectors.

Mr. Sen was responsible for the Finance function in India, Bangladesh and Sri Lanka for the entire Citi franchise encompassing the Bank and several other legal entities, covering controllership, Corporate Treasury, Financial Planning, Product Control and Tax. He was a member of all Policy level Committees and had a significant ongoing involvement in various areas of Management of the franchise with special emphasis on Business planning/Strategy, regulatory reporting aspects, financial planning and policies, ALCO and liquidity planning and corporate governance / legal entity management. He was also, responsible for interface with external rating agencies, banks and investors to broad-base funding of non-bank vehicles. He played a significant role in advocacy with regulators on key issues in the banking landscape.

Mr. Sen has a B.Tech (Hons) degree from the Indian Institute of Technology, Kharagpur and a Post-graduate Diploma in Management from the Indian Institute of Management with Majors in Finance & Information Systems.



Managing Director and CEO

A senior BFSI professional, Ms. Vishakha has a successful track record of over 25 years in the financial services industry with both public and private organizations. Starting her career with New India Assurance, she has held several key positions in organizations like Canara HSBC Oriental Bank of Commerce Life Insurance, IDBI Federal Life Insurance, Birla Sun Life Insurance and Universal Sompo General Insurance Company Ltd.

A chartered accountant by education, Ms. Vishakha is also a Fellow of Indian Insurance Institute (III).

She is married to Mr. Rajesh. They have a son, Ritesh and a daughter, Vrinda. When not working, Ms. Vishakha likes reading and listening to music.