Rakesh Kumar

Rakesh has over 16 years of experience in rural markets, primarily in the domain of retail lending and risk management in the banking sector. He has managed the functions of credit risk policy, underwriting, operations, audit & compliance. He has also gained first hand expertise in system architecture, process design and product management in different banks. Rakesh believes that the socio-economic profile of the rural households requires competencies different from those traditionally used, to truly measure and mitigate the risk of lending to them. He has joined SarvaGram to put his conviction to work towards creating a long-term sustainable high quality organization. Prior to joining SarvaGram, Rakesh was associated with YES Bank and IDFC Bank in the capacity of their National Underwriting Head for retail assets in semi urban and rural geographies. He has also worked at ICICI Bank, Kotak Mahindra Bank and Dow Agro Sciences. Rakesh holds a Post Graduate Diploma in Rural Management from Xavier Institute of Management,Bhubaneswar.