Board of Directors

Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.

Ajay Kanwal is Jana Small Finance Bank's Chief Executive Officer. He is a veteran consumer and commercial banker with 35 years’ experience in the banking industry. Ajay was Regional CEO of ASEAN & South Asia at Standard Chartered Bank before joining Jana Small Finance Bank as CEO in 2017. He also had a short stint as Senior Advisor at TPG and Mastercard. He began his career with Citibank and has held various leadership positions throughout his banking career at Standard Chartered, including CEO of Taiwan, Regional CEO for North East Asia, and Regional Head of Consumer Banking for South East Asia.

Ajay has served on the board of several companies, including as Chairman of the Board of Standard Chartered Bank (Singapore) Ltd., Director of Standard Chartered Bank (China) Ltd. and Standard Chartered Bank (Korea) Ltd. and Commissioner of PT Bank Permata, among others.

The Founder of Janalakshmi, Ramesh Ramanathan has a proven record of accomplishment in addressing the many issues faced by urban India. Ramesh has to his credit a strong international banking experience, creating innovative institutional products, working with cutting-edge technology and risk management systems. He holds an Honors degree in Physics from BITS Pilani, and an MBA from Yale University's School of Management. A co-author of the book "Urban Poverty Alleviation in India," he is a champion for the advocacy of poverty-related and public governance issues.

R. Ramaseshan has an extensive experience in the Government as an officer of the IAS, and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a Bachelor's degree in Engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.

Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.

Mr. Khosla is a seasoned top management executive with over 35 years of deep experience across diverse geographies, functions and roles in multiple domains - Consumer Banking, Payments, Healthcare, Life and Health Insurance. He has expertise in senior executive management skills and responsibilities, including in Chairman, President and CEO roles. He has a sophisticated understanding of business, organizational, governance and functional dimensions and has demonstrated his credentials as a leader of business growth, transformative development, quality performance, building organizational capabilities while managing a wide range of constituents across customers, employees, shareholders, boards and regulators.
Mr. Khosla is an Economics graduate and a qualified Chartered Accountant.

Mr. Nayak has had career of over 30 years managing and leading Technology projects and services in Financial Services. He has built and led multi-location Technology teams to deliver technology solutions deployed globally. Mr. Nayak has handled global responsibilities for software development and infrastructure services delivering global programmes. More recently, he has served as the CTO for a UK based Reg-Tech start-up. Mr. Nayak holds a Bachelor's degree in Engineering.

Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.

Krishnan Subramania Raman has more than 35 years’ of banking experience from India, Singapore, Indonesia and the UAE, 5 of which have been in Jana. Just prior to joining Jana, he has held senior roles in Risk Management at Mashreq Bank, UAE, Standard Chartered Permata Bank, Indonesia (a Standard Chartered joint venture bank) and Dunia Finance, a Dubai-based company.

Raman is a Post Graduate in Business Management from the Indian Institute of Management, Calcutta. He is an Associate member of the Institute of Chartered Accountants of India and is a member of the Indian Institute of Bankers.

Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.

Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.