Management Team

Ganesh Narayanan

Managing Director & Chief Executive Officer

Mr. Ganesh Narayanan has a rich experience of over 27 years in the BFSI Industry across various facets of Banking and Financial Services. He has spearheaded several key businesses for large financial institutions. He was earlier associated with ICICI Bank Ltd, Fullerton India Credit Co. Ltd (now SMFG India Credit), YES Bank Ltd. and has extensively worked across Rural & Agri Banking, Microfinance and Financial Institutions space.

Prior to joining CA Grameen, he was associated with YES Bank for nearly a decade in the Indian Financial Institutions Group. He held the position of Group President & Deputy National Head – Indian Financial Institutions (IFI) Banking, heading multiple business segments covering NBFCs, Cooperative Banks, Capital Market clients, Full-Fledged Money Changers & Fintech clients.

Mr. Ganesh Narayanan joined CA Grameen in January 2020 as Chief Business officer and has been instrumental in scaling up the MFI business and setting up Retail Finance. He was elevated as Chief Executive Officer in August 2023 to lead the organization’s next phase of growth and innovation.

Mr. Ganesh Narayanan holds a Master’s degree in management and a Graduate degree in electronics.

Gururaj K S Rao

Chief Operating Officer

Mr. Gururaj Rao’s journey at CreditAccess Grameen Limited is closely aligned with the company’s transformation from a regional microfinance institution into one of India’s leading financial inclusion platforms. As Chief Operating Officer, he leads the Business, Operations and Human Resources functions and is responsible for driving growth, strengthening execution, and building organisational capability across the company’s nationwide operations network.

With over three decades of professional experience across India and the Middle East, Mr. Rao brings expertise in governance, compliance, risk management, operations, and execution. His leadership approach is grounded in strong field engagement and customer understanding, with a focus on disciplined processes, robust risk management, and sustainable growth.

Since joining the company in 2009, he has played a key role in building its operational and risk foundations. He established and led the Internal Audit and Risk Management functions, introducing a field-driven and risk-focused framework that strengthened internal controls, enhanced transparency and enabled scalable growth. This has contributed significantly to the company’s strong governance culture and operational resilience.

In his current role, Mr. Rao focuses on strengthening execution discipline, improving collections and productivity, and ensuring that growth is supported by strong portfolio quality. He is also driving the expansion of products tailored to the evolving needs of graduated customers and building a strong, diversified retail finance portfolio to support the company’s long-term growth strategy.

Prior to joining CreditAccess Grameen, Mr. Rao was associated with Yusuf Bin Ahmed Kanoo in Saudi Arabia and Mallya Hospital. He holds a Bachelor’s degree in Commerce from Bangalore University and is a Certified Internal Auditor from the Institute of Internal Auditors, USA.

Nilesh Dalvi

Chief Financial Officer

Mr. Nilesh Dalvi is the Chief Financial Officer at CA Grameen. He comes with over 16 years of experience spanning India, the United States, the Middle East, and European markets. In his previous role as the CEO of Dickenson IR, he provided investor relations advisory services to over 50 corporates across diverse industries backed by his strong equity research capabilities and understanding of equity capital markets. 

Mr. Nilesh Dalvi joined CA Grameen in 2019 and has demonstrated exceptional skills in Investor Relations, Business Planning and Budgeting, Financial Analysis & Strategy, Capital & Fund Raising, Ratings, and ESG initiatives. His strong business acumen and leadership qualities have significantly contributed to CA Grameen’s financial and strategic growth.

He is a Chartered Financial Analyst (CFA) from CFA Institute, USA, holds a Financial Risk Manager (FRM) certification from Global Association of Risk Professionals, USA, and a Master’s degree in Finance along with a Bachelor’s degree in Electronics from Mumbai University.

Firoz Anam

Chief Risk Officer

Mr. Firoz Anam, Chief Risk Officer at CA Grameen has close to two decades of experience across various banks and NBFCs. His risk management expertise spans financial products including mortgages, credit cards, personal loans, microfinance, and small business loans. He is also a trained data scientist with extensive experience in developing advanced analytical solutions. Firoz has managed credit & operational risk functions within institutions like IDFC Bank, JP Morgan Chase, and Citibank. In his last role before joining CA Grameen, Firoz worked as the Chief Risk Officer with Indie Home Loans. Firoz has a B.Tech. degree from IIT Kharagpur and an MBA degree from IIM Bangalore.

Sudesh Puthran

Chief Technology Officer

Sudesh Puthran is the Chief Technology Officer of CA Grameen and is responsible for leading the function of Information Technology at the company. He has 30 years of extensive work experience in the IT industry. Prior to joining CA Grameen, Sudesh has worked with various prominent organisations in the leadership role including Aditya Birla Group as CTO, HDFC Bank as Executive Vice President, and was the Head of Digital – Technology & Innovations, CIBIL as CIO since its inception and was instrumental in building the first and largest credit bureau in India. He was also a CTO at CRISIL. He has obtained a degree of B.E (Electronics and Telecom) and MFM (Master’s in Financial Management) from Mumbai University.

Sundar Arumugam

Head - Strategy & Innovation, Digital Lending and Retail Finance Products

Sundar is the Head of Strategy & Innovation, Digital Lending and Retail Finance Products at CA Grameen. He comes with over 20 years of experience in product management, marketing, strategy and business development in financial services and technology. He is passionate about financial inclusion and is a focused problem solver, keen to leverage technology and data to solve real world problems. Prior to CA Grameen, he was with CreditAccess Asia (CAA) where he led business innovation for the group including, exploring, piloting new business / revenue streams, enabling technology and data driven process transformation to drive competitive differentiation for the group companies. Prior to CAA, he headed product management at Equifax India where he led the creation of one of the two mainstream credit bureaus for microfinance segment. He was a part of original start-up team that setup Equifax India in the country and also was instrumental in launching many analytics driven products for the company. Sundar started his career with Infosys where he led portfolio of engagements for customers in health insurance space.

Gopal Reddy

Chief Business Officer- Retail Finance and Group Lending

Mr. Gopal is the Chief Business Officer overseeing the Group Lending and Retail Finance businesses in Maharashtra, Goa, Madhya Pradesh, Chhattisgarh, Rajasthan, Gujarat, Odisha, Jharkhand, Bihar, Uttar Pradesh, and West Bengal States. He holds a bachelor’s degree in commerce from Bangalore University. He has been an integral part of the organisation since the beginning with over 22 years of hands-on experience in microfinance operations.

Srivatsa H N

Chief Business Officer – Retail Finance and Group Lending

Mr. Srivatsa is the Chief Business Officer overseeing the Group Lending and Retail Finance businesses in Karnataka, Tamil Nadu (including Puducherry), Kerala, Andhra Pradesh, and Telangana. He holds a pre-university certificate issued by the Education Department, Government of Karnataka. Srivatsa HN has been associated with us since 2002. He has over two decades of experience in microfinance operations.

Nagananda Kumar K N

Head - Internal Audit

Mr. Nagananda Kumar K N is heading the Internal Audit division at CA Grameen. He is a seasoned professional with a total work experience of 23 years in the field of microfinance, operations and technology. He has been associated with CA Grameen for over 19 years, having held several key leadership roles across Information Technology, Operations, Customer Service, and the Regional Processing Centre. His technical proficiency, strategic insight, and operational expertise have consistently driven impactful scale-ups and positive business outcomes. He holds a Bachelor’s degree in Computer Science from Bangalore University.

Haridarshini A

Head of Operations & Business Analytics

Ms. Haridarshini has close to 20 years of experience in the development sector. She joined the Company immediately after pursuing her B. Tech, in the finance and analysis team in 2003. Thereafter, she worked with APMAS-Technical Institution, focusing on ratings for Self-Help Groups (SHG) and training in Accountings, Delinquency Management, and Financial Analysis. She re-joined CA Grameen in May 2007 and since then she has been associated with us. She has worked with various departments including MIS, Planning and Monitoring, Finance & Account, and Human Resources. Currently, she is heading CA Grameen’s Operations & Business Analytics Department. Haridarshini holds a degree in B. Tech from REC-Warangal and she also holds a certified Lean Six Sigma Blackbelt.

Manian RHS

Head- Human Resources

Manian RHS is the Head of Human Resources at CA Grameen. He has close to 18 years of experience of which over 15+ years in BFSI HR. He holds diverse experience across Talent Acquisition, L&D, Employer Branding, Performance Management & Centre of Excellence (COE).

Prior to CA Grameen, he was President – Human Capital Management at YES Bank, where he was leading COE for Retail Businesses and Business HR for South & East. Before YES Bank, he was associated with Standard Chartered Bank and CitiFinancial. Manian holds a Bachelors in Mechanical Engineering & Post Graduate Diploma in Management.

Ravi Rathinam

Chief Information Security Officer

Mr. Ravi Rathinam is Vice President of Technology, and Chief Information Security Officer at CA Grameen since February 2022. He holds a Master’s Degree in Computer Applications and has completed an Executive General Management Program from the Indian Institute of Management, Bangalore.  He is also a Java and Oracle Certified Professional in development and has cleared the CISA certification examination, from ISACA.

With more than 25 years of experience in IT & Banking industries, he is vastly experienced in implementing technology solutions for Core, Retail and Wholesale Banking, Auditing, domains, etc. He has an ardent interest towards structuring and adopting a process-oriented approach from thinking, designing, implementing, and maintaining technology solutions. Prior to joining us, he was associated with Fincare Small Finance Bank, Kotak Mahindra Bank, and Oracle Financial Software Ltd.

Manjunatha

Business Head - Group Lending

Mr. Manjunatha is the Business Head of the Group Lending unit for Tamil Nadu (including Puducherry). He has been associated with CA Grameen for over the last two decades. He has played an integral role in maintaining pristine asset quality across various business cycles given the experience of nurturing high-touch interactions. He holds a bachelor’s degree in Arts from Mysore University.

Venkat Naik

Business Head - Group Lending

Mr. Venkat Naik is the Business Head of the Group Lending unit for Odisha, Chhattisgarh, Jharkhand, Bihar, Uttar Pradesh and West Bengal. He holds a bachelor’s degree in Arts from Bangalore University.

Mr. Naik has been associated with us since 2000 and has an extensive work experience in the microfinance industry. Prior to his appointment as the Business Head, he has held various positions in the company and his expertise has been invaluable in bolstering our operations and grievance redressal mechanism.

Deepti Ramani

Company Secretary and Compliance Officer

Ms. Deepti Ramani is an accomplished Company Secretary with over 11 years of experience in corporate governance, regulatory compliance, secretarial functions, and legal coordination across listed companies in the financial services and manufacturing sectors. She has a strong track record in managing board and shareholder meetings, regulatory filings, stakeholder communications, policy formulation, and audit handling. Her prior experience includes key roles at Equitas Holdings Limited and Tamil Nadu Petroproducts Limited, where she led critical transactions such as IPOs, QIPs, stake sales, and regulatory inspections.  Deepti brings value through governance enhancements and cross-functional collaboration.

Murugesh Velusamy

Head of Underwriting - Mortgage Business

Mr. Murugesh Velusamy, Head of Underwriting of Mortgage Business at CA Grameen comes with two decades of experience covering all facets of MSME lending including sales, credit, risk-control unit and collections. In his previous role, he has worked with Vistaar Finance, Fullerton India and ICICI Bank. Prior to joining CA Grameen, he was associated with Vistaar Finance as Head of Credit and Underwriting. He spent 13 years at Vistaar playing a crucial role in shaping them as prominent player in the MSME lending space. Murugesh holds B.Com & MCA degree from Bharathiyar University