Ms. Kalita is an experienced development banker with an experience of over 33 years in the Banking and Financial Services sector. She has 20 years of experience in Retail Banking in Langpi Dehangi Rural Bank during her tenure as Senior Manager in the bank. Ms. Kalita, has to her credit, a degree from Boulder Institute of Microfinance, Turin, Italy besides various other certifications from different institutions. She has been trained in Microfinance from Basix and have exposures to ASA, BRAC premier institutions in Bangladesh and in Amana Ikhtiar, Malaysia, Bank Patanian and Bank Simpanan, Malaysia, to name a few. She has also attended a certificate course on Strategic Leadership in Financial Inclusion in HARVARD, USA in March 2016.
Ms. Kalita joined the RGVN Society to head its microfinance programme in 2004 and was instrumental in successfully turning around the operations of a loss making RGVN-CSP into a profitable NBFC within a period of 2 years by streamlining the existing processes, instilling financial discipline and boosting the staff morale. She was instrumental in reducing the Portfolio at Risk (>30days) from a whopping 23% to 1.09% in FY 2016-2017 and also in reaching out to a total of 4.07 Lakh clients during the same period as against 30,939 in 2004. The expansion of outreach of the RGVN (NE) MFL to 7 states of North East and West Bengal, with a network of 139 branches in 2017 and the consistent growth in the business with a total portfolio outstanding of Rs. 688 crore as on March 31st, 2017 as against Rs. 40 Lakh in 2005, has only been possible for her able leadership. She has been working for the empowerment of the under privileged women in rural and urban sector through financial intermediation by persistently encouraging them to build up their confidence and to emerge as successful entrepreneurs.
She has been heading RGVN (NE) MFL since its inception, however recently has moved to North East Small Finance Bank Limited [“Subsidiary of RGVN (NE) MFL”] as a Managing Director & CEO to lead the Small Finance bank Business.
It is under her guidance and due to her persistent efforts that RGVN (NE) MFL was awarded the coveted “In Principle Approval” on September 16, 2015 for the establishment of Small Finance Bank. It is by dint of her hard work and dedication that RGVN (NE) MFL, had undergone major transformations within a decade and has awarded with the Final Banking Licence on March 31, 2017 and has commenced its Banking Business on October 17, 2017 by folding its lending activities into NORTH EAST SMALL FINANCE BANK LIMITED.
Corporate Professional having 13+ years of total experience in the domain of Corporate Law & Corporate Governance Compliances, Corporate Legal, RBI Regulatory & AML Compliances, Liaison with the Government & regulatory authorities, Representation before the quasi-judicial authorities etc. He is having an across industry experience/expertise while associated with reputed corporate houses earlier i.e DLF Group, Eastman Group, GMR Group, HFL Group and AU Small Finance Bank Limited.
He has also having extensive knowledge & expertise in setting up of Small Finance Bank(SFB) and Compliances in Banking Sector / Corporate re-structuring matters. He is a Commerce Graduate with Honor’s (Accounting & Finance), Fellow Member (FCS) of the Institute of Company Secretaries of India (ICSI), New Delhi, Member (MCSI) of Chartered Institute for Securities & Investment, (CISI) London and Certification in IT & Cyber Security from IDRBT, Hyderabad.
CA Ketan Kumar Joshi is a professionally qualified Chartered Accountant from ICAI. He has obtained his CA Associate Degree in May 1994 and CA Fellowship Degree in May 2002. He is a graduate from The Calcutta University & obtained his B.COM (Honours) Degree in the year 1990. He is also having Intermediate Degree of Company Secretary from the Institute of Company Secretaries of India. He is also having a certificate from IIM, Lucknow as well as from NIBM, Pune on IFRS courses. He is a JAIIB (Junior Associates of Indian Institute of Bankers) from India. He has attended various seminars on IFRS, Accounting Standards & Banking training. He is also having a course certificates on Information Technology related programs from Chandra Data Systems Pvt Ltd, Calcutta & Information Technology Institute of Bank of Maharashtra, Pune.
CA Ketan Kumar Joshi was a practicing Chartered Accountant from May 1994 to May 1999 in Kolkata. Since June 1999, he has a rich banking experience of over 20 years. During his tenure as Banker, he has worked in Bank of Maharashtra, Pune, and worked in various areas of banking including Credit, Finance, IPO, Funds raising etc. He was the pioneer member of IPO Cell of the maiden Public Issue of equity Shares launched by Bank of Maharashtra in the year 2003. In March 2008, he joined IndusInd Bank (a Private Sector Bank) in Mumbai, India for better career prospects as a Deputy Vice President & was handling Taxation issues, Funds raising, Finalisation of Balance sheets & IFRS related matters. Thereafter, for a small span of 11 months, he has also worked with The Bank of Tokyo Mitsubishi UFJ Ltd (a Multinational Bank) in Mumbai, India as Senior Vice President.
After 2012, he went to Afghanistan and worked with various private sector Banks (viz Ghazanfar Bank, Islamic Bank of Afghanistan (erstwhile Bakhtar Bank) as well as Maiwand Bank), as Chief Finance Officer & where he was associated at senior level. He was a member of Board of Management, Credit Committee, Asset & Liability Committee and IT Steering Committee. He was also instrumental in bringing Islamic Banking License for Bakhtar Bank & then converting the Bank into a full-fledged Islamic Bank. He concluded his last contract in Maiwand Bank in March 2019.
In August 2019, he joined North East Small Finance Bank as Chief Finance Officer & is looking after Financial Management, taxation, regulatory reporting, serving to Board of Directors. He is also designated by Bank has Key Managerial Person Thus, CA Ketan Kumar Joshi has over 25 years post qualification experience of finance related matters, taxation, funds raising, IFRS, of which he has rich banking experience of over 20 years.