Ajay Sharma is a seasoned finance professional with extensive experience in credit and risk assessment, currently serving as Head of Wholesale Credit at Utkarsh Small Finance Bank since September 2025. Prior experience includes a tenure at Kotak Mahindra Bank from March 2010 to August 2025, where roles progressed from Associate Vice President to Senior Vice President, overseeing credit assessment for Agri and SME finance across various regions in India. Ajay's career began at ICICI Bank as Regional Credit Manager and included a managerial role at R K Marble Pvt. Ltd. and a management trainee position at Rajasthan Patrika Pvt. Ltd. Educational qualifications encompass a Company Secretary degree from The Institute of Company Secretaries of India, a CA Intermediate from The Institute of Chartered Accountants of India, and a Bachelor of Laws from the University of Rajasthan, among others.
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