Managing Director & Chief Executive Officer

Sasidhar N Thumuluri

Sasi has two decades of experience in financial inclusion and capital markets in 20+ countries. He started his career at BASIX Social Enterprise Group where he was instrumental in designing and executing various innovative programs in microfinance and rural livelihoods. He currently runs day-to-day business at Sub-K as the Managing Director.

Prior to Sub-K, Sasi has worked for IFC, Habitat for Humanity, Microvest Capital Management and BASIX group.

Sasi holds Masters Degree of Public Affairs from Princeton University and MBA from Indian Institute of Forest Management. He has also completed the Accelerated Development Program from University of Chicago’s Booth School of Business.

He regularly speaks at various national and international events and serves on the board of Business Correspondents Federation of India of which he is currently the Chairperson.

Executive Director

Jitender Kalwani

Jitender has over 18 years of experience in Finance, Accounts, MIS, Budgeting, Tax & regulatory matters, Processes & controls in organizations. Prior to joining Sub-K, Jitender worked in Megasoft and Gati.

In his current capacity, Jitender’s primary responsibility is to optimize financial performance and ensure compliance with statutory and regulatory requirements of the company.

Jitender holds Masters degree in Commerce from Osmania University, MBA from IGNOU, ACS and Member of Institute of Chartered Financial Analysts (ICFAI), and Strategic Management Certification from IIM Ahmedabad.

Chief Credit Risk Officer

Pavan Kumar R

With over 20 years of experience, Pavan has extensively worked in the Microfinance and NBFC sector. Over the years, Pavan has worked in various capacities in Operations, HR and Marketing in BASIX Group. He leads the Credit Business vertical at Sub-K in South & Central India.

Pavan has done his Masters in Agriculture with specialization in Soil Science and Agricultural chemistry from Acharya N G Ranga Agricultural University.

Chief Growth Officer

Dinesh Saili

Dinesh has more than two decades of experience in Sales & Distribution Management.

In the past, he has handled medium to large strategic business units in diverse sectors across FMCG, Durables, Insurance & Micro Finance at both regional as well as national level. Currently, Dinesh heads the Credit Business Vertical at Sub-K in North, East & North East India.

Prior to Sub-K, he has worked with P&G, Asian Paints, HDFC SLIC, Aviva Life Insurance and Bhartiya Samruddhi Finance Limited.

Dinesh holds a Postgraduate degree in Business Management from All India Management Association (AIMA) Delhi.

Chief Technology Officer

Srinivas Valluri

Srinivas Valluri who has joined us as Chief Technology Officer.

Srinivas has 20 years of experience building and enabling software for a diverse set of customers, including being a CTO for 2 start-ups: one in the fin-tech space and one in healthcare. His expertise spans multiple business domains including fin-tech, manufacturing, retail and health care. His work experience with MNCs like Wal-Mart, Ford Motor Company, and Credit Suisse has taught him how to manage large and complex projects.

Srinivas was instrumental in setting-up and managing the India Development Centre of a large retail consortium. His work in the Fintech domain involved building a paper-less lending platform and high-performance trading systems. As a CTO at a healthcare start-up, he focused on clinical decision support systems, electronic medical records and computer telephony integration.

Srinivas has a Master’s Degree in Business Administration and a Bachelor’s Degree in Engineering.

Srinivas enjoys a good cup of coffee and is fascinated by cars, technology and badminton.

Financial Controller

Susheel Kumar P

Susheel has over 25 years of experience in accounts, finance, budgetary controls, internal audit, tax & regulatory matters, in manufacturing, education and service industries. He heads the Finance & Accounts department at Sub-K.

Susheel is a graduate in Bachelor of Science with Mathematics Honours from Madurai Kamaraj University, Madurai and 1st rank holder in Mathematics. He has completed Integrated Professional Competence Course from Institute of Chartered Accountants of India.

Chief Strategy Officer

Prashant Kumar

Prashant brings with himself 15+ years of cross-border experience in more than 9 countries across diverse industries like BFSI, Microfinance, Real Estate, Healthcare, Pharma, Hospitality, Food & Beverage, Trading, Manufacturing, Oil & Gas, and District Cooling. Prior to joining Sub-K, Prashant had worked with Vaya Finserv as Head of Risk Management, QC & IA and part of the credit committee and ALM committee – involved in strategic planning, product/ process development, algo-predictive modeling and leading the countrywide team in functional/ operational/ IT/ IS reviews and designing digital-first controls. He had also worked with international consulting firms like PKC Advisory and Axis Risk Consulting where he was responsible for leading consulting engagements in the fields of Business Process Reengineering, ERM framework development, diagnostic assessments, risk based internal audits, and advising clients on strategic & operating policies and model business processes. He had also worked with BFIL (a subsidiary of IndusInd Bank) in Member Services (Operations & Sales), Internal Audit/ Risk Management, and Analytics domains.

Prashant is an MBA grad from IRMA and also holds certifications in Lean Six Sigma, Information Security & Risk Management, Insurance, and Commodity Trading.

VP - IT Product (ANM/MFI)

A Venkateswara Rao

Venkateswara has over 23 years of experience in Software Design, Development, Maintenance of Applications, Project Management, Project Planning & Execution and Client Relationship Management. In his current capacity, he heads the IT Infra and Development department at Sub-K.

He holds an MBA in Information Technology from Madurai Kamaraj University with Honours Diploma in System Management.

National Head-ANM Operations

Mangaraju Javvadi

Mangaraju has over 18 years of experience working in NGOs, Construction Companies and Pharma industries. Prior to Heading the Agent Network Operations at Sub-K, Manga Raju worked in Corporate accounts and helped in setting up processes for new start-up companies B-ABLE, BCTS, BKSL and Sub-K.

Mangaraju completed his Bachelors in Commerce from Osmania University in 2000 and earned a Certification in Computers from Indira Gandhi National Open University.

Dy Vice President-IT Development

Murali VVN

Murali has over 11 years of experience in software design, development and maintenance in web (J2EE) and mobile applications (Android, Blackberry) and expertise in all aspects of in-house developed system and product development. He has expertise in integration with the Core Banking System (CBS) of Banks, ATM Modules, Mobile Banking, payment gateways (NPCI), Aadhaar APIs, Banks’ Financial Gateways and development of Micro Finance Institutions (MFI) Loan Origination System (LOS) & Loan Management System (LMS).

Murali currently leads the IT Development (New Products) team at Sub-K. He is a post graduate in Technology and holds a Masters Degree in Technology from JNTU in Computer Science and Engineering.