Management Team

As Head of Treasury and Capital Markets, Gopal Tripathi is responsible for all regulatory obligations for Jana Small Finance Bank. He is also responsible for managing adequate capital and funding for the organisation, asset liability profile and fund transfer pricing, investments and trading at the enterprise level.
Gopal joined JFS in July 2016 and was Head of the Interest Rate and Money Market business at RBS for six years prior to this. Gopal has 23 years’ experience in banking and treasury. He started his career in the treasury function with SBI, followed by HDFC Bank.
Gopal graduated from Patna University, Patna in 1994. He is a Junior Associate of the Indian Institute of Bankers and has a Diploma in Treasury, Integrated and Risk Management from Indian Institute of Banking & Finance.

Krishnan Subramania Raman is Jana Small Finance Bank's Chief Credit and Collections Officer. Raman is responsible for quality of credit origination, credit training, automation of credit processes and NPA management.
Raman joined Jana in December 2017 as Chief Risk Officer and has been instrumental in establishing a robust Risk Management framework. Raman brings in over 35 years’ banking experience from India, Singapore, Indonesia and the UAE. Just prior to joining Jana, he had 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

Pradeep Rebello is the Head of Two Wheeler Finance business at Jana Small Finance Bank.

Pradeep brings with him over 23 years of experience in retail finance industry and specializes in two wheeler finance. Prior to joining Jana Bank, Pradeep was with IDFC Bank and worked with TATA Capital Ltd, ICICI Bank Ltd, HDFC Bank and Centurion Bank.

Pradeep completed his MBA from JDC Bytco College, Nasik and his B.Com from Bhonsala Military College, Nasik.

Rajesh is the Chief Operating Officer of Jana Bank and has been with the Bank since August 2015. He has played a variety of roles, notable among them being leading Process Excellence, Transformation, Bank Transition, Zonal Business, Sales control and Learning & Organization Development teams.
Rajesh has 28 years of experience in Banking and Capital Markets as well as Financial services BPO, managing large complex operations (3,500 staff, global multisite operations) for Global Custodians, Investment Banks, Brokerages, Transfer Agencies, Global Financial Information Service Providers, Wealth Managers, Mortgage Firms, Retail Banks and Credit Card Issuers. He has been associated with firms such as Exim Bank, Infosys and Mphasis with CxO level reporting since 2009.
Rajesh holds a BE and MBA degree and is a certified Associate of Indian Institute of Bankers (CAIIB).

Rincoo is the Head – Affordable Housing Loan (AHL) and Micro Housing Loan (MHL) and responsible for setting up and driving the Housing Finance business for Jana Small Finance Bank.
Rincoo comes with more than 21 years of experience, primarily in Home Loans at various leadership positions. He joined Jana Bank from ICICI Bank Ltd., where he was instrumental in setting up and growing business for ICICI Bank’s Home Finance subsidiary in tier II and tier III markets across the country. Rincoo started his career in Logistics industry and has also worked with CRISIL in the real estate ratings division.
He has completed his post graduate management degree in Marketing from Prin. L.N.Welingkar Institute of Management Development and Research (WeSchool), Mumbai University, and holds a Bachelor’s degree in Electronics.

Shrinivas Murty is President & Head – Branch Banking & Marketing at Jana Small Finance Bank.

Shrinivas has over 26 years of experience in Retail/SME/Agri/Micro-Finance Sales, Business & Product Development and, Service Operations. He has driven all aspects of Retail, TASC, Agri, SME, Micro-finance and Forex businesses both on liabilities and assets through Branch, Digital and Direct sales channels, having exposure in the diverse geographies of West, North, East, South and Central India.

Prior to joining Jana, Shrinivas was working with Ujjivan Small Finance Bank handling Liabilities portfolio, across products /programs and channels. Prior to Ujjivan he has worked with Bandhan Bank, HDFC Bank, and ICICI Bank.

Shrinivas holds a PGDBM from MDI Gurgaon, and Senior Research Fellowship from IIT Kanpur. He is an associate of Indian Institute of Bankers.

Sudhir Madhavan is the Head of Retail Financial Services (Assets). Sudhir joined Jana Small Finance Bank as Head of Collections.
He has 27 years of experience in Retail Banking. Prior to joining Jana, Sudhir worked as Chief Collections Officer for Bajaj Finance. He has also worked with organizations such as GE Money, Citibank, RBS and VP Bank.

Sumit Aggarwal is the Head of MSE, Supply Chain & Financial Institutions at Jana Small Finance Bank. He has 31 years of banking experience. Sumit has managed businesses in Asia, Middle East, Africa and Europe focusing on trade and investment flow within and across Countries and Regions. Prior to joining Jana Bank, Sumit has worked with Emirates National Bank of Dubai as Group Head of Transactional Banking Services. Before Emirates National Bank, he has worked with Standard Chartered Bank and ABN AMRO. Sumit has held various leadership positions in his career with Standard Chartered including Country Head of Transactional Banking in Singapore, Global Head of Commodities and Local Corporate Sales and Regional Head of Transaction Banking for South East & South Asia.

Sumit has done his MBA degree in Business Management from Institute of Management Technology (IMT), Ghaziabad’.

Usha Sonavaria is Jana Small Finance Bank’s Chief Human Resources Officer.

Usha has 23 years’ experience in the banking/financial services sector and in telecom. Prior to joining Jana she has worked with Telenor, DBS Bank and Religare. She has hands on experience in setting up HR systems, implementing people practices and policies at an organisational level.

Usha has a bachelor’s degree in Commerce and has done her PGDBM from Welingkar Institute of Management, Mumbai.