Bharat
Anup Joshi is an experienced executive with extensive expertise in business operations and financial inclusion. Currently serving as Chief Operating Officer - West at Bharat Financial Inclusion Limited since January 2023, Anup focuses on business planning. Prior to this role, Anup was a Business Head at Bajaj Finserv from May 2017 to January 2023, where responsibilities included establishing new branches in unbanked rural areas and expanding the Rural Personal Loans business significantly. Anup's previous positions include Assistant General Manager at Aditya Birla Payments Bank, Regional Head at ICICI Bank overseeing mortgage services, and various roles in sales and marketing at Bharti Airtel Limited, ACC Limited, and HIL Limited. Anup holds an MBA in HR - Marketing from JDC Bytco IMSR and is currently pursuing a Business Strategy program at the Indian Institute of Management Ahmedabad.
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Bharat
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Bharat Financial Inclusion Limited, formerly SKS Microfinance Limited, is a non-banking financial company-micro finance institution (NBFC-MFI). The Company is engaged in providing micro finance services to women in the rural areas of India enrolled as members and organized as Joint Liability Groups. In addition to its business of providing micro-credit, the Company uses its distribution channel to provide other financial products and services to the members. Programs in this regard primarily relate to providing of loans to the members for the purchase of mobile handsets, solar lamps, bicycle and sewing machines, among others. The Company provides door step delivery of its services through center meetings in villages. The Company offers loans mainly for income generating activities and not for personal consumption. The Company has presence across approximately 20 states, covering over 100, 000 villages and catering to approximately 69.7 lakh women members.