Bandhan Bank Limited is a commercial bank, which offers a variety of asset and liability products and services designed for micro banking and general banking, as well as other banking products and services. Its asset products consist of retail loans including a substantial portfolio of micro loans, as well as micro, small and medium enterprise (SME) loans and small enterprise loans. Its liability products consist of savings accounts, current accounts and a variety of fixed deposit accounts. The Company also offers debit cards, Internet banking, mobile banking, electronic data capture-point of sale (EDC- POS) terminals, online bill payment services and the distribution of third-party general insurance products and mutual fund products.

Banking

Bandhan Bank Ltd

Mr. Kesh, aged 52 years, a BE Mechanical from NIT, Durgapur, has more than 28 years of work experience in multiple industries including Banking & Finance, Manufacturing and Service Industry. He is an Advanced Quality Engineer from Quality Council of Indiana, USA. He possess a Post Graduate Diploma in Business Management from NMIMS, Mumbai. He was trained on Six Sigma by GE and Asian Institute of Technology and worked as Six Sigma Black Belt (BB) and Master Black Belt (MBB) in early years of his career. He has also completed a Business Leadership Course from IIM, Ahmedabad & a Strategic Agility Leadership Course from Harvard Business School.

With nearly three decades of stellar experience, Mr. Kesh has a track record of leading complex operations including transformation, automation, customer experience, quality improvement & other related functions. He is a hands-on leader who has helped scale and address operational challenges with ease consistently at reputed banking organisations in India namely ICICI Bank, HDFC Bank, Yes Bank & Axis Bank.

Mr. Kesh joined Axis Bank in 2019 to first drive bank-wide operational transformation cutting across all business lines. He ideated and scaled up the Artificial Intelligence COE for the bank which worked towards developing cutting edge new age tech enabled interventions. He also played active leadership role in the Crisis Management Taskforce during the COVID-19 pandemic and ensured smooth banking operations in work-from-home model. In 2020, his role was enhanced to lead end-to-end retail operations portfolio covering Liabilities, Assets, Cards, Digital, Wealth, NRI, ATM and bankwide reconciliation, Customer Service Call Center and Service Recovery.

Mr. Kesh became among the first in the Indian Banking Industry to lead the launch and successful implementation of “Service CRM” at HDFC Bank. He further led the aggressive growth as a product head for premier banking, current account and trade & forex Business. He was also Chief Customer Experience Officer in YES Bank and additionally took charge as Head of Operation Risk.

Prior to venturing into Banking domain, he has worked in multiple reputed organisations in Aditya Birla Group and RPG Group in India and Abroad in various roles in Design Dept., Project Management, Balanced Scorecard, Quality Assurance, Organisation-wide Transformation Programs and Technical Services.

He was recognised as one of the 50 most talented Quality Professionals in India by the World Quality Congress and India's top 25 Emerging Tech Leaders by BIOCON Network in collaboration with Ministry of Electronics and Information Technology (MeitY), Govt of India.

Ratan Kumar Kesh

Mr. Sarkar heads the Treasury at Bandhan Bank. He has over 22 years of extensive experience in Rates, Foreign Exchange, Derivatives Trading, Asset Liability Management and Treasury Sales. In his last assignment with Axis Bank, where he spent more than two decades, Mr. Sarkar was the Head of Interest Rates, Corporate Bonds and Equity Trading at Axis Bank.

Arindam Sarkar

Mr. Ghosh is a veteran in the space of small business loans. Having joined Bandhan in 2002, he has been a key contributor to the growth of the organisation from an NGO to NBFC and finally, Bandhan Bank. In his role, Mr. Ghosh leads Group Loans, Individual Loans, Bazaar Loans, Micro Home Loans, among others.

Satyajit Ghosh

Mr. Sengupta is their Head of Retail Banking in India. He brings 27 years of rich experience in the Banking & Financial Services Industry in India having served in different leadership and client-facing roles. 

As Managing Director & Head of Consumer Banking for DBS Bank India, he oversaw the successful launch and scaling up of “digibank by DBS” - India’s first mobile-first, paperless, signatureless digital bank & DBS Group’s first country of launch. Additionally, he was also instrumental in building up the Consumer Banking business of DBS Bank in India. Prior to DBS, he led the Retail Bank at RBS India having shaped his leadership through different stints in ABN Amro Bank, Citibank & Bank of America. 

Shantanu Sengupta

Philip Mathew is an independent director at [Bandhan Bank Ltd](/org/bandhan-bank-ltd). Philip previously worked as a software engineer at [Accenture](/org/accenture) from June 2011 to July 2013. Philip was part of the team that developed the global e-commerce platform for [Walmart](/org/walmart) and provided support for Standard Life UK. Philip is proficient in SQL, DB2, and mainframes. Philip is known for their ability to meet deadlines and ensure that SLAs are met and end-to-end continuity is not lost.

Philip Mathew has a Master of Business Administration (MBA) from Karunya Institute of Technology and Sciences, and a Bachelor of Technology (BTech) in Electrical, Electronics and Communications Engineering from the same school.

Philip Mathew

Suhail Chander is an Independent Director at [Bandhan Bank Ltd](/org/bandhan-bank-ltd). and has over 37 years of experience in the Banking and Financial Services industry. Suhail has worked with various companies in corporate banking and operations including ANZ Grindlays Bank, [ABN AMRO](/org/abn-amro) Bank N.V., [IndusInd Bank](/org/indusind-bank-ltd), and Soch Foundation. 

Suhail started their career with ANZ Grindlays Bank in 1983 and held various positions in corporate banking and operations before moving to [ABN AMRO](/org/abn-amro) Bank N.V. in 1990. At [ABN AMRO](/org/abn-amro), they held positions of increasing responsibility including Branch Manager, Chennai (1995-1999), Head of Consumer & Commercial Banking, Indonesia (2003-2005), and Head Consumer Client Segment, Singapore & Malaysia (2006-2008). In February 2008, they joined [IndusInd Bank](/org/indusind-bank-ltd) as Head Corporate & Institutional Banking.

In April 2020, Suhail Chander joined Soch Foundation as a Trustee where they are responsible for special needs education.

Suhail Chander is a Chartered Accountant from the Institute of Chartered Accountants of India and has a B.A. (Hons) in Economics from Delhi University. Suhail also went to Modern High School.

Suhail Chander

Divya Krishnan is a Non-Executive Non-Independent Director at [Bandhan Bank Ltd](/org/bandhan-bank-ltd). Divya has also previously worked for companies such as BANDHAN FINANCIAL HOLDINGS LIMITED, [Ashoka University](/org/ashoka-university), Kala Sakshi Memorial Trust, Tesseract Consulting, and SBI MUTUAL FUND. In their role as Chief Investment Officer at SBI MUTUAL FUND, they were responsible for overseeing the company's investment portfolio. Prior to that, they served as Fund Manager at SBI MUTUAL FUND from May 1992 to October 2000.

Divya Krishnan holds a post graduate diploma in business administration and management from the Indian Institute of Management Ahmedabad, and a bachelor's degree in commerce from Shri Ram College of Commerce.

Divya Krishnan

Siddhartha Sanyal is currently the Chief Economist & Head Research at [Bandhan Bank Ltd](/org/bandhan-bank-ltd). Previously, they worked at [Barclays](/org/barclays) from October 2010 to July 2019, where they were the Director & Chief India Economist.

Sanyal's research focuses on analyzing and forecasting key macro variables such as growth, inflation, fiscal situation, interest rates, liquidity, foreign trade, balance of payments, and exchange rate. Siddhartha also tracks international economic and financial market trends, and produces detailed thematic research reports on economic trends and public policy. Noted for several contrarian views, eg., on monetary policy, interest rates and INR), Sanyal has had a strong impact on the field of economics.

Sanyal has also advised clients (mutual funds, hedge funds, insurance, pension funds, sovereign wealth funds, corporate treasury, corporate strategy) in India, Asia-Pacific, Europe and US. Siddhartha has been ranked as one of the top India economists in multiple occasions (eg., FinanceAsia Fixed Income Research polls), and is a regular presenter at investor conferences and industry meets (national/ international).

In addition to their work in the private sector, Sanyal is also regularly involved in public discourse on economic issues. Siddhartha has presented their research views on national and international TV channels/ Newswires (CNBC, ET Now, Bloomberg, [Reuters](/org/reuters), BBC, [Channel NewsAsia](/org/channel-newsasia)), and has written opinion columns for leading financial dailies (Economic Times,

Siddhartha Sanyal has a Master of Arts in Economics from Jawaharlal Nehru University. Siddhartha is also a Chartered Financial Analyst (CFA) and has a Post Graduate Diploma in Business Administration (PGDBA) from the Institute of Chartered Financial Analysts of India. Siddhartha is also a Certified Associate of Indian Institute of Bankers (CAIIB) from the Indian Institute of Banking and Finance.

Siddhartha Sanyal works with Indranil Banerjee - Company Secretary, Santanu Banerjee - Head, Human Resources, and Sudheer Reddy Govula - Chief Compliance Officer. Siddhartha Sanyal reports to Chandra Shekhar Ghosh, Managing Director & CEO.

Siddhartha Sanyal

Biswajit Das is the current Chief Risk Officer at [Bandhan Bank Ltd](/org/bandhan-bank-ltd). Prior to their current position, they served as the Head-Risk Based Supervision and Regulatory Reporting at [ICICI Bank](/org/icici-bank) from April 2014 to January 2016. Biswajit was also the Head:Business Loans at [ICICI Bank](/org/icici-bank) from May 2011 to March 2014, where they were responsible for managing the entire P&L of the business, mobilization of fresh loans, product development, policy formulation, and building up channel & processes for credit control. Under their leadership, the business saw a four-fold increase in Business Numbers, portfolio turned around to become major profit center in Retail SBU, three fold increase in Sales productivity, more than 100% decrease in end to end customer TAT, and drastic reduction in credit losses by more than 75%.

Biswajit Das attended an SMP in General Management at the Indian Institute of Management in Calcutta. Biswajit also holds a B.Sc. in mathematics from St. Xavier's College in Ranchi. Additionally, they have an AISSE in English, Hindi, Maths, Science, and Social Sciences from Vivekananda Vidya Mandir in Ranchi. Finally, they also have a bachelor's degree from st. xavier's college.

Biswajit Das reports to Chandra Shekhar Ghosh, Managing Director & CEO. Some of their coworkers include Siddhartha Sanyal - Chief Economist & Head Research, Kamal Batra - Head, Assets, and Suresh Srinivasan Iyer - Head, Housing Finance.

Biswajit Das

Indranil Banerjee is the current Company Secretary at [Bandhan Bank Ltd](/org/bandhan-bank-ltd). Banerjee has an extensive background in compliance, drafting various agreements and MoUs, and preparing notice, agendas, and minutes for board meetings. Banerjee has also been involved in managing and attending court cases on behalf of companies, as well as providing legal consulting and counseling. In addition, Banerjee has experience in drafting and vetting various MOUs, agreements, and contracts. Finally, Banerjee is responsible for compliance of statutory provisions under labor laws and overall supervision of the human resources department.

Indranil Banerjee is a Company Secretary who graduated with a B.Sc. in Company Laws, SEBI Regulations, and RBI Regulations from Asansol Rama Krishna Mission High School.

Indranil Banerjee reports to Chandra Shekhar Ghosh, Managing Director & CEO. Indranil Banerjee works with Nand Kumar Singh - Head, Banking Operations & Customer Service, Jagannadha Rao Suvvari - Head, Legal, and Ronti Kar - CIO.

Indranil Banerjee

Santanu Banerjee is the current Head of Human Resources at [Bandhan Bank Ltd](/org/bandhan-bank-ltd). Santanu has over 20 years of experience in the field of Human Resources, and has worked with some of the leading banks in India. Prior to joining Bandhan Bank, they were the Zonal HR Head for East at [Axis Bank](/org/axis-bank), where they were responsible for overall manpower management for Eastern Geography across 14 States and 1 Union Territory. Santanu has also worked as the Head of Human Resources at Bandhan Financial Services (proposed Bank) from September 2014 to August 2015.

Santanu Banerjee has a Master of Business Administration (MBA) from the Indian Institute of Social Welfare & Business Management and a Bachelor's degree in Economics from St. Xavier's College.

Santanu Banerjee works with Nand Kumar Singh - Head, Banking Operations & Customer Service, Sunil Samdani - CFO, and Arvind Kanagasabai - Head, Treasury. Santanu Banerjee reports to Chandra Shekhar Ghosh, Managing Director & CEO.

Santanu Banerjee

Sunil Samdani has over 18 years of experience in the financial sector. Sunil is currently the CFO at [Bandhan Bank Ltd](/org/bandhan-bank-ltd), a leading Indian bank. Sunil has previously worked as a VP at Development Credit Bank, a manager at Firstsource Solutions Ltd, and an assistant manager at Mattel Toys India. Sunil has also worked in business development at Anand Rathi Securities. Sunil is a highly experienced and respected financial professional in India.

Sunil Samdani's educational career began when they attended the Institute of Chartered Accountants of India. Sunil later attended St Francis School in Mumbai.

Sunil Samdani reports to Chandra Shekhar Ghosh, Managing Director & CEO. Sunil Samdani works with Kamal Batra - Head, Assets, Biswajit Das - Chief Risk Officer, and Arvind Kanagasabai - Head, Treasury.

Sunil Samdani

Ronti Kar

Jagannadha Rao Suvvari

Sujoy Roy

Nand Kumar Singh

Manoj Kumar Mauni

Sudheer Reddy Govula

Ravi Lahoti

Subrata Dutta Gupta

Santanu Mukherjee

Aparajita Mitra

Holger Dirk Michaelis

Allamraju Subramanya Ramasastri

Vijay N Bhatt

Chandra Shekhar Ghosh

Anup Kumar Sinha

The executive team at Bandhan Bank Ltd. has experience in a variety of industries, including financial services, banking, and toy manufacturing. They have also worked for companies of varying sizes, from large multinational corporations to smaller local businesses. This team brings a wealth of knowledge and experience to the bank that will help it grow and succeed in the future.

CEO and Executive Team

About

Team members

Other teams at Bandhan Bank Ltd

Leadership Team

Board of Directors

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