Management Team

Ashwin Khorana is Jana’s Chief Information Officer and is responsible for the IT function, digital transformation and technology processes for the organisation.
Ashwin joined Jana in February 2016 and has spent 26 years in the banking industry. His earlier stints include Standard Chartered Bank, Bank Dhofar and ING Vysya Bank, covering technology management and delivery across retail, wholesale and digital initiatives in various senior management roles. Prior to joining Jana, Ashwin was Chief Technology Officer with ING Vysya Bank.
He is an Industrial Electronics Engineer with a Post Diploma in Systems Management and has done an Advanced Management Program from IIM Bangalore.

As Jana Small Finance Bank’s Chief Operating Officer, Bidhan Chaudhuri's key role is to provide the leadership and management in executing Jana's business operations strategies, policies and initiatives across its network as well as the infrastructure creation and support.
Bidhan joined Jana in 2015 and has over 28 years’ experience in banking and global business process services. He has an established track record in managing large and diverse assignments, and in delivering significant business and financial impact through operations transformation.
Prior to Jana, Bidhan was COO of Tanfeeth, a 100% subsidiary of Emirates NBD, that he helped set up. He also created and executed the strategy that established Tanfeeth as the leading shared services organisation in the region. He has earlier served as the Vice President & Global Operating Leader at Genpact, General Manager & CRM Delivery leader with IBM and has worked with HSBC in various leadership roles across retail and wholesale banking.
Bidhan has an MBA from the Indian Institute of Management, Ahmedabad, and a Bachelor’s degree in Economics.

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 20 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 Risk Officer and is responsible for putting in place a robust risk management framework and appropriate concentration limits for a well-diversified balance sheet, ensuring risk-reward balance and robust collections and leveraging data analytics. He will also drive strong governance and oversee the risk exposures of Jana.
Krishnan joined Jana on December 11, 2017, and brings with him over 30 years’ banking experience in India, Singapore, Indonesia and the UAE. Just prior to joining Jana, he was Head of Retail Risk Management at Mashreq Bank, UAE.
Having started his banking career in Standard Chartered Bank India, Krishnan has held several senior roles in Standard Chartered Group in various countries. He was Director, Risk Management, for Permata Bank, Indonesia (a Standard Chartered joint venture bank), overseeing the risk management function. Thereafter, he was the founding Chief Risk Officer at Dunia Finance, a Dubai-based company, for over 9 years.
Krishnan 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 and has passed the Associate Exam of the Indian Institute of Bankers.
Krishnan is passionate about risk training, and speaks regularly on Risk Management in various industry forums and academic institutions.

As Jana Small Finance Bank's CEO of Retail Financial Services, Rahul Mallick leads the retail banking team and is responsible for building and executing the business strategy for profitable customer acquisition and growth across a range of retail asset and liability offerings via the bank’s existing 400 plus microfinance-focused branches and over 200 new bank branches.
Rahul joined Jana in 2014 and has over 25 years’ experience in the financial services industry. Before joining Jana, he established, turned around and built out several large businesses in complex operating environments across geographies for organisations such as ICICI Bank, ICICI Home Finance, as MD & CEO, and GMAC Financial Services, as MD and Country Manager, India. He has also worked with Apple Finance Limited, Bank of America Corporation, and Xerox India Ltd.
Rahul has an MBA degree from Symbiosis Institute of Management Studies, Pune.

Ravi Duvvuru is Jana Small Finance Bank’s Chief Compliance & Human Capital Officer.
In this role, Ravi is responsible for setting and implementing the vision, strategy, direction, and leadership for Compliance, Legal and Fraud Risk Management in line with the Board’s strategic direction and growth aspiration. He is tasked with establishing and maintaining frameworks to manage and mitigate regulatory and reputational risks for the organisation.
Ravi also oversees an integrated people function spanning talent, engagement, learning, communications, and rewards, among others. He steers the people culture aspect at Jana Small Finance Bank, and supports business needs through people policies and practices. He is responsible for engaging the workforce of over 14,000 employees and contributes towards building a conducive work environment.
Ravi joined Jana Small Finance Bank in November 2017. In his last role, he was the Regional Head, Compliance – ASEAN & South Asia for Standard Chartered Bank based in Singapore. He has over 35 years’ experience in the banking industry. Prior to joining Standard Chartered Bank, Ravi was Group Head, Compliance & Public Affairs, Kotak Mahindra Bank and Head of Compliance and Service Quality for HDFC Bank. He has had a long career with the Reserve Bank of India in banking supervision, regulation and foreign exchange management departments.
Ravi received his postgraduate degree in Economics with distinction from Loyola College, Chennai, and is an Associate of the Indian Institute of Bankers. He regularly speaks on governance, supervision, regulation, financial crime and leadership at Central Banks, industry forums and management schools.