Bharat Financial Inclusion Executive and Leadership Team

July, 2026

Leadership Overview

Bharat Financial Inclusion has 5 executives leading key functions including operations, people management, and corporate social responsibility.

Driven by a commitment to financial inclusion, Bharat Financial Inclusion provides essential financial services, focusing on secure lending and digital solutions to empower individuals while actively combating fraudulent activities that exploit its brand.

Leadership Roles at Bharat Financial Inclusion

  • Chief Operating Officer, Zone (South) - Gaurav Kumar
  • Chief Operating Officer (West) - Anup Joshi
  • Chief Operating Officer - EZ2 - Suryakant Mohanty
  • Chief People Officer - Saran Raj
  • Head Chief People Officer, Corporate Social Responsibility - Kishore Sambasivam
  • Gaurav Kumar - Chief Operating Officer, Zone (South)

    Gaurav Kumar, the Chief Operating Officer, Zone (South) at Bharat Financial Inclusion, directs operational strategies across the southern region. Overseeing the delivery of financial services, Kumar ensures alignment with the company's mission of providing reliable financial inclusion options. This leadership role involves managing regional teams to execute lending programs and digital financial solutions, directly supporting client access to essential banking services. Kumar's focus remains on operational efficiency and client safety, implementing measures to protect customers from fraudulent activities that misuse the company's brand. The operational scope includes expanding reach within the southern zone, reinforcing Bharat Financial Inclusion's presence and impact. By driving regional performance, Gaurav Kumar contributes significantly to the company's overall growth and its commitment to serving underserved populations. This executive ensures the integrity of service delivery and fosters trust among clients in the southern territories.

    Anup Joshi - Chief Operating Officer (West)

    Anup Joshi, the Chief Operating Officer (West) at Bharat Financial Inclusion, spearheads operational execution throughout the western territories. Joshi's responsibilities encompass the strategic deployment of financial services, including loans and digital solutions, to clients in the designated regions. This role demands a keen focus on customer safety, actively mitigating risks associated with fraudulent schemes that leverage the company's identity. Anup Joshi drives operational excellence by ensuring that all service delivery adheres to stringent standards, promoting financial inclusion effectively. The executive oversees the expansion of services, enhancing accessibility for individuals seeking dependable financial support. Joshi's leadership ensures that the western zone operations contribute robustly to Bharat Financial Inclusion's overarching objectives. By managing regional teams and optimizing service channels, Anup Joshi plays a vital part in strengthening the company's market position and its dedication to client protection and reliable financial access.

    Suryakant Mohanty - Chief Operating Officer - EZ2

    Suryakant Mohanty, the Chief Operating Officer - EZ2 at Bharat Financial Inclusion, commands the operational framework for the EZ2 region. Mohanty directs the implementation of critical financial services, including loan disbursement and the rollout of digital financial solutions, ensuring seamless client engagement. This position prioritizes safeguarding customers against deceptive practices and brand misuse, a core tenet of Bharat Financial Inclusion's operational philosophy. Suryakant Mohanty oversees regional teams, fostering an environment of trust and reliability for clients seeking financial inclusion. The executive's mandate includes expanding the company's service footprint within the EZ2 area, thereby increasing access to essential financial tools. Mohanty's strategic oversight ensures that operational activities align with the company's mission to provide secure and accessible financial services. Through diligent management of regional operations, Suryakant Mohanty significantly bolsters Bharat Financial Inclusion's commitment to client welfare and market integrity.

    Saran Raj - Chief People Officer

    Saran Raj, the Chief People Officer at Bharat Financial Inclusion, directs all human capital strategies and organizational development initiatives. Raj oversees talent acquisition, employee engagement, and performance management, ensuring a robust workforce capable of delivering on the company's financial inclusion mission. This leadership role is critical in cultivating a culture that supports operational excellence and client-centric service delivery. Saran Raj ensures that employee development programs align with the company's commitment to providing secure financial services and protecting clients from fraud. The executive's purview extends to fostering a positive work environment that attracts and retains top talent, essential for expanding the company's reach. By championing people-focused policies, Saran Raj significantly contributes to Bharat Financial Inclusion's ability to innovate and maintain its reputation for reliability. This executive's strategic approach to human resources strengthens the organization's capacity to meet evolving client needs and operational demands.

    Kishore Sambasivam - Head Chief People Officer, Corporate Social Responsibility

    Kishore Sambasivam, the Head Chief People Officer, Corporate Social Responsibility at Bharat Financial Inclusion, leads integrated strategies for human capital and societal impact. Sambasivam directs initiatives that enhance employee welfare and foster a strong organizational culture, while simultaneously guiding the company's corporate social responsibility efforts. This dual focus ensures that Bharat Financial Inclusion not only excels in providing financial services but also contributes positively to the communities it serves. Kishore Sambasivam oversees programs designed to protect clients from fraudulent activities and promote ethical business practices. The executive's responsibilities include developing talent pipelines and ensuring that CSR activities align with the company's core mission of financial inclusion. By integrating people management with social impact, Kishore Sambasivam strengthens Bharat Financial Inclusion's brand reputation and operational integrity. This leadership role is pivotal in driving sustainable growth and reinforcing the company's commitment to both its employees and the broader public good.

    Explore Leadership Teams in Banking

    Frequently Asked Questions Regarding Bharat Financial Inclusion Top Executives and Leadership Team

    Who leads Bharat Financial Inclusion?
    Bharat Financial Inclusion is led by Gaurav Kumar (Chief Operating Officer, Zone (South)), along with executives such as Anup Joshi (Chief Operating Officer (West)) and Suryakant Mohanty (Chief Operating Officer - EZ2).
    Who is part of Bharat Financial Inclusion’s executive team?
    The executive team of Bharat Financial Inclusion includes leaders such as Gaurav Kumar (Chief Operating Officer, Zone (South)), Anup Joshi (Chief Operating Officer (West)), Suryakant Mohanty (Chief Operating Officer - EZ2) and other senior executives.
    How many executives does Bharat Financial Inclusion have?
    Bharat Financial Inclusion has 5 executives leading key business areas.
    What roles are included in Bharat Financial Inclusion’s leadership team?
    The leadership team of Bharat Financial Inclusion includes roles such as Chief Operating Officer, Zone (South), Chief Operating Officer (West), Chief Operating Officer - EZ2, Chief People Officer, Head Chief People Officer, Corporate Social Responsibility.