Sonia Krishnankutty

Ms. Sonia Krishnankutty is the Chief Executive – Rural Business Finance, Customer Service & Operations. She is spearheading the Micro Loans business, in charge of building best-in-class portfolio, systems & processes and setting up new products to cater to our Micro Loans customers. She is also heading the Customer Service & Operations Function for all the Retail Businesses of LTFS

Having completed her MBA from XLRI, Jamshedpur, Ms Sonia has more than 21 years of experience in Banking and Financial sector handling various roles in business, recoveries, credit and risk across Retail Asset Financing, Priority Sector Lending and Rural Finance.

She joined LTFS in 2008, and was pivotal in setting up and managing the Asset management services for handling hard collection for all Retail businesses. Post this, she continued her journey towards setting up and managing the company’s Risk Control Unit for all Retail businesses. Having successfully built and established two key functions, she moved on to head the Farm Equipment Finance business where she transformed the entire business function, enhanced book quality and reduced NPAs while improving the market share multi-fold, setting up manufacturer relationships and completing the turn-around of Farm Equipment Finance. Post her success in the Farm Equipment Finance, she took charge as Business Head for Micro Loans where she helped build and strengthen the portfolio. Under her leadership the business has gone through several critical phases while emerging with book and profitability intact.

Prior to joining LTFS, Ms. Sonia had worked with Bank of Baroda in various functions covering Credit, Collections and Business in Retail Lending