Leadership Team




Sadaf Sayeed, has over 14 years of experience in Banking and Financial service industry. He has worked with organisations such as HDFC Bank, GE Money and Spandana Sphoorty Financial Limited in credit and Risk management functions. He was designated as Vice President Audit & credit Risk with Spandana Sphoorty Financial Ltd. Sadaf has hands on experience in policy making, credit administration, operations and Risk management with expertise in retail lending business and core competence in unsecured small and large loans. He has been associated with Muthoot Fincorp’s Microfinance business since its inception in 2010.


Vice President – HR & Products

Has over a decade of corporate experience including 5 years in Banking and financial services. Has worked with organisations Like Nicholas Piramal and ICICI Bank in Strategy, Product development, Debt service and Risk Management verticals. In ICICI he was actively involved in various projects like centralise allocation, automation of collection process and most notably the project “The Credit Builder” which was to help and improve the credit score of delinquent customers. He has a graduate degree in Chemistry from Utkal University, Orissa and Masters in Business Administration & System. Mr Subhransu is associated with Muthoot Microfinance since July 2012.

Udeesh Ullas

Vice President – Operations

He has over 14 years of experience spread across retail banking operations, debt management and microfinance. Expertise in managing operations in a large business environment, formulating business strategies and identifying new markets. Prior to Muthoot, he was associated with organizations such as ING Vysya Bank, ICICI Bank and Fullerton India Credit Pvt Ltd. Mr. Udeesh Ullas joined Muthoot in 2008 and played a vital role to establish the microfinance business in Muthoot. He has completed post-graduation in commerce from MG University.  

Senthil V

Sr. Associate Vice President – Agri Business

Mr Senthil is having 20+ years of experience in Agri Input Marketing, Rural Agri-Banking, Commodity & Collateral management and Microfinance. He has worked with FACT Ltd, ICICI Bank, NBHC, ESAF and Lok Management Services. He is a graduate in Agriculture from TNAU, with an MBA (Marketing and Finance) from Bharathidasan University and a CAIIB holder. 

Dileep Pathak

Sr. Associate Vice President – Audit and Risk

Has 7 years of experience in SME banking and microfinance industry. Started his career with ICICI Bank and later joined Satin Credit Care Network Ltd, where he handled Microfinance audit for 4 years. He holds Masters in Business Administration from Lucknow University. Mr Dileep is associated with Muthoot Microfinance since November 2011.


Dy. Chief Financial Officer

A Chartered Accountant with 7 years of experience in finance, accounts, management reporting and compliance. He has proven expertise in fund raising, budgeting and cash flow management. He is well versed in financial discipline and control. Praveen has been associated with Muthoot Pappachan Group for the last 4.5 years.



She is a Commerce Graduate from Mahatma Gandhi University and an Associate Member of the Institute of Company Secretaries of India (ICSI). She is associated with Muthoot Microfin Limited for the last 3 years.