Leadership Team




Mr Sadaf Sayeed, has over 16 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. Prior to joining Muthoot, he was Head – Internal Audit & Risk with Satin Creditcare Network 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.

Sadaf has rich and extensive knowledge in various financial and accounting matters including financial management. He has provided outstanding leadership as the Chief Executive Officer and has contributed significantly to enable the company scale phenomenal heights under his stewardship. He has been associated with Muthoot Pappachan Group’s Microfinance business since its inception in 2010. Sadaf holds MBA in Finance and Marketing from Guru Gobind Singh Indraprastha University.


Vice President – HR & Products

Mr Subhransu Pattnayak has over 17 years of corporate experience. He 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 holds a graduate degree in Chemistry from Utkal University, Orissa and Masters in Business Administration & System. Mr Subhransu is associated with Muthoot since July 2012. Subhransu played a key role in the rampant expansion of the human resource, internal training, digitalisation of HR processes and employee engagement in the growth phase of the company.

Udeesh Ullas

EXECUTIVE Vice President – Operations

Mr Udeesh Ullas has over 15 years of experience spread across retail banking operations, debt management and microfinance. He has proven 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. Udeesh Ullas joined Muthoot in 2008 and played a vital role in establishing the microfinance business of Muthoot Pappachan Group. He has been heading the operations and sales of microfinance since inception. He holds MBA from Ariston School of Business Studies.  

Senthil V

dy. 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

dy. Vice President – Audit and Risk

Mr.Dileep Pathak has more than a decade of experience in SME banking and microfinance industry. Prior to joining Muthoot, he has worked with ICICI Bank and Satin Creditcare Network Ltd. He has proven expertise in analysing business risks related to Regulatory, Financial, Environmental and Geographical parameters in microfinance industry. He played a key role in developing and implementing risk-based audit framework and enterprise risk management at Satin Creditcare Network Ltd. Mr Dileep is associated with Muthoot since November 2011. He heads the Internal Audit & Risk department and has ensured build portfolio which is best on quality parameter in microfinance space. He holds Masters in Business Administration from Lucknow University.


Dy. Chief Financial Officer

A Chartered Accountant with 8 years of experience in finance, accounts, management reporting and compliance. He has proven expertise in fund raising, budgeting, cash flow management and accounts & audit. He is well versed in financial discipline and control. Praveen has been associated with Muthoot Pappachan Group for the last 5 years. Praveen has played a key role in raising funds and executing private equity deal at the growth stage of the company.



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 since February 2014. She is responsible for the compliance and secretarial operations of MML. Prior to joining Muthoot, she was associated with a practicing Company Secretaries firm.