Management

Profile

Shri Immanuvel Ganesan is a General Manager at NABARD with over 23 years of rich and diverse experience in the financial sector. He holds a postgraduate degree in Commerce and is professionally qualified as a Chartered Accountant, Cost Accountant, and Company Secretary. Additionally, he is a Certified Associate of the Indian Institute of Bankers (CAIIB), reflecting his strong foundation in banking and financial services. Over the course of his career, he has handled a wide spectrum of strategic and operational responsibilities, including business combinations, resource mobilisation and fund raising, leadership of the legal function, and implementation of information technology systems.

He brings significant expertise in project finance, tax compliance, formulation of accounting policies and frameworks, finalisation of financial statements, and implementation of regulatory and accounting standards such as Ind AS and Basel III. He has also played a key role in strengthening governance, compliance frameworks, and risk management practices across organisations. He served as the Chief Financial Officer (CFO) of NABKISAN Finance Limited from June 2023 to May 2026, where he contributed meaningfully to financial management, strategic planning, and the Company’s growth initiatives.

Profile

Shri Maheep Panwar is a Deputy General Manager of NABARD, currently placed with NABKISAN Finance Limited. He holds a Master of Business Administration (MBA) and is a Certified Associate of the Indian Institute of Banking and Finance (IIBF).

He brings over 25 years of rich and diverse experience in the areas of NBFC financing, consultancy services, district credit planning, farm sector development, human resource management, development and strengthening of rural financial institutions, and agricultural refinance. Over the course of his career with NABARD, he has been associated with key assignments involving credit planning, policy implementation, institutional development, and capacity building across the rural and agri-finance ecosystem.

He has also contributed to the design and implementation of development initiatives aimed at improving credit flow to the agriculture and allied sectors, while ensuring robust operational and governance frameworks.

He earlier served as the Chief Operating Officer (COO) of NABKISAN Finance Limited, where he was responsible for overseeing the Company’s operations, business development, and strategic initiatives. Prior to this, he also acted as Manager and Chief Operating Officer (COO) of erstwhile NABSAMRUDDHI Finance Limited

Profile

Smt Usha Mahesh is a Deputy General Manager of NABARD currently placed with NABKISAN. She is a Mathematics Graduate and has more than 29 years of experience in NABARD in areas related to credit planning, micro credit, off farm sector, farmer collectives, infrastructure financing, refinance and rsik management.

Profile

K S Nagabhushana, who served as the Deputy General Manager, Risk Management Department, Canara Bank, is now with NABKISAN as the Chief Risk Officer (CRO). He holds Post Graduate degree in Commerce, Masters in Business Administration (Finance), Diploma in Treasury, Investment and Risk Management (DTIRM of IIB) and is a Certified Associate of Indian Institute of Bankers. He has served in various capacities as Head of the Branch, Head of Central Processing Centre, and Dy. General Manager in Risk Management wing in Canara Bank. He has vast experience in Retail Credit, MSME, Housing and Risk Management solutions. He has also served in Infomerics Analytics and Research private ltd as Director-Ratings, providing expert opinion on Grading and Ratings of MFIs, SMEs, and other institutions.

Profile

Niranjan Kumar Verma placed with NABKISAN as Chief Compliance Officer (CCO). He holds a post graduate degree in commerce along with degree of LLB and diploma in personnel management. In addition he is inter C.S from ICSI and a certified Associate from Indian Institute of Bankers. He had more than 32 years of experience working in various capacity as Assistant General Manager with Reserve Bank of India.

Profile

Smt. Suzette R. Pereira is a qualified Company Secretary from the Institute of Company Secretaries of India(ICSI). She has completed her BA(Economics) from St. Xavier’s College Mumbai and LLb from New Law College, University of Mumbai.

She possesses more than 6 years of post-qualification experience of which at least 3 plus years’ experience in handling NBFC compliances.

Profile

Suresh Ramalingam R.K. is the Deputy Chief Financial Officer (Deputy CFO) and Officer-in-Charge (OIC), Chennai at NABKISAN Finance Limited, a subsidiary of NABARD. He is a seasoned development banking and agricultural finance professional with over 20 years of experience in banking, financial services, and rural development, including more than 16 years with NABARD.

He began his banking career with City Union Bank in Sivakasi, followed by a brief tenure with Indian Overseas Bank. He then joined Tamil Nadu Grama Bank as an Assistant Manager, serving in various locations across Tamil Nadu. In September 2010, he joined NABARD, where he has held key assignments in West Bengal, Mumbai, and Tamil Nadu.

During his tenure as District Development Manager (DDM) and Assistant General Manager (AGM) in Thoothukudi, he led several flagship initiatives in Farmer Producer Organization (FPO) promotion, GI registration, tribal development, watershed management, green finance, agri-startups, MSME development, climate-resilient agriculture, and rural enterprise promotion. He worked extensively with Government departments, financial institutions, corporates, NGOs, and development partners to strengthen rural livelihoods and institutional ecosystems.

In his current role at NABKISAN, he is responsible for financial management, business development, institutional partnerships, corporate and NBFC financing, and strategic initiatives aimed at strengthening the agri-financing ecosystem. He has successfully mobilized significant refinance and investment business, promoted market linkage initiatives such as NABKISAN's Mambazha Mela 2026, and supported innovative financing solutions for FPOs, MSMEs, and rural enterprises.

Academically, he holds a B.Sc. in Chemistry, M.A. in History, PGDCA, JAIIB, a Post Graduate Certificate in Financial Management from IIM Tiruchirappalli, and a Post Graduate Certificate in Strategic Management from IIM Kozhikode.

His professional vision is to advance sustainable agriculture, strengthen rural enterprises, expand financial inclusion, and create lasting livelihood opportunities through innovative, inclusive, and development-oriented financial solutions.

Profile

Shri Shoeb Ahmad graduated in Electrical Engineering from IIT Ropar (Class of 2012) and has over a decade of professional experience. Began career with Ericsson India Global Services, contributing to telecom network solutions before transitioning to the development banking sector with NABARD in 2016.

At NABARD, gained diverse experience in refinance operations, policy implementation, and grassroots development. Successfully managed Short Term Refinance and Interest Subvention schemes at the Bihar Regional Office and held pivotal field-level responsibilities as District Development Manager (DDM) in Vaishali district of Bihar and Gonda district of Uttar Pradesh. Spearheaded the planning, monitoring, and execution of key rural development initiatives and stakeholder engagement in these districts for nearly five years.

In 2025, joined as Senior Vice President at NABKISAN Finance Limited, the subsidiary of NABARD, contributing to strategic development financing initiatives at the national level from the corporate office in Mumbai.

Profile

Shri N. M. Mohan Karthik is an Assistant General Manager (AGM) at NABARD, currently serving as Senior Vice President – National Lead (FPO Vertical) at NABKISAN Finance Limited. With over a decade of experience, he has expertise in rural development, sustainable finance, agricultural value-chain financing, climate change and environmental sustainability.

A Civil Engineer by qualification, he holds a Master’s degree in Environmental Science and is pursuing a Ph.D. in Environmental Science. He holds professional certifications in Green Economy and Sustainable Finance from the United Nations and Sustainability & Climate Risk (SCR) from GARP, besides certifications in climate change, sustainable development and water resource management.

During his tenure with NABARD, he served at the Haryana Regional Office and as District Development Manager for Tiruchirappalli and Karur districts in Tamil Nadu. His experience spans FPO promotion, watershed and tribal development, climate adaptation, GCF and NAFCC interventions, agri-business incubation, startups promotion and rural entrepreneurship.

At NABKISAN, he leads the FPO vertical nationally, focusing on innovative financing solutions, strategic partnerships, institutional strengthening, value-chain development and sustainable, climate-resilient agricultural enterprises.

Profile

Alisha Mathew is the Senior Vice President – Business Strategy, Product and Partnerships at Nabkisan Finance Limited, with nearly 15 years of experience in the NBFC and financial services sector. She is a professional Chartered Accountant and possesses a Masters in Commerce from the Mumbai University. She has deep expertise in inorganic book building through structured credit products, treasury and syndication, financial institution partnerships, and credit underwriting.

At Nabkisan, she leads the design of business strategy, product frameworks, and strategic partnerships with ecosystem players, enabling scalable and risk-aligned portfolio growth. Her role spans structuring complex transactions, strengthening underwriting discipline, and building collaborative funding and co-lending relationships.

Known for combining strategic insight with execution rigor, Alisha contributes to building resilient portfolios while advancing Nabkisan’s mission of delivering inclusive and sustainable financial solutions across rural and semi-urban India.

Profile

Senior Vice President – Credit

Seasoned Chartered Accountant with 18 years of experience in wholesale credit, with a distinguished career spanning Bank of America, Standard Chartered Bank, CRISIL, and Brickwork Ratings. Brings deep expertise in credit underwriting, risk assessment, and portfolio management for large corporate and financial institutions. Proven leader with a strong track record of building, mentoring, and managing credit teams, while ensuring robust credit governance and strict compliance with RBI regulatory frameworks and the organization’s risk appetite.

Profile

Shri Sameer Kumar Prayaga is a Manager with NABARD and is currently placed with NABKISAN. He holds a BE(Hons.) Computer Science degree from BITS-Pilani and a Certified Associate of the Indian Institute of Bankers.

He has nearly six years of experience in NABARD, and has worked in HR and IT department. Before NABARD, he was associated with R Project, Symphony teleca, InstaSafe and Oracle for four years.

Profile

Smt. Arti is a Manager with NABARD and is currently placed with NABKISAN. She holds a B.Tech in Agricultural Engineering from SHUATS and an M.Tech in Food Process Engineering from IIT Kharagpur. She has 7 years of work experience in areas such as Project finance, lending to Financial Institutions, Business Strategy & Product Development and CSR projects.

Profile

Rajni Jaiswal is currently serving as an Assistant Manager, NABARD and is presently posted at NABKISAN. A Commerce graduate and a Chartered Accountant by qualification, she is also a Certified Associate of the Indian Institute of Bankers.

She has over three years of experience in NABARD, in areas across the off-farm sector, enabling market linkages for producers and artisans, infrastructure financing, and conducting inspections of Regional Rural Banks (RRBs).

Prior to joining NABARD, she gained more than seven years of professional experience at leading organizations such as SAIL and HCL Technologies.

Profile

Smt. Merin Maria Thomas is an Assistant Manager with NABARD, currently placed with NABKISAN. She is a Post Graduate in Agri- Business Management from ICAR- National Academy of Agricultural Research Management (ICAR- NAARM), Hyderabad and holds a B.Tech degree in Dairy Technology from VKIDFT, Kerala.

She has experience of over four years in different fields of agribusiness, including supply chain management, consultancy, marketing, product management and rural development.

Profile

A Chartered Accountant with nearly 10 years of experience in the banking and finance industry. Associated with Nabkisan Finance Limited since February 2023, currently responsible for sourcing and monitoring wholesale lending portfolios. She is also part of the sanctioning committees for credit lending. Previously worked with ICICI Bank in retail lending, Liquiloans as Team Lead for retail credit and strategic partnerships, and handled project finance assignments with a reputed CA firm. Brings strong expertise in credit assessment, portfolio monitoring, and risk management.

Profile

Ravi Bansal is Senior Assistant Vice President – Co-lending at NABKISAN Finance Limited, overseeing credit underwriting, credit operations, and portfolio monitoring for Co-lending and Direct Assignment businesses, while ensuring strong credit governance and strict adherence to RBI regulatory frameworks.

An MBA in Finance with nearly 14 years of experience in the banking and financial services sector, he specializes in retail lending, risk management, and credit operations.

He has previously worked with leading institutions including HDB Financial Services, Kotak Mahindra Bank, Tata Capital, Capital Float (now Axio), and Vayana Finserv.

His expertise spans secured and unsecured lending, supply chain finance, credit assessment, and strengthening credit and risk frameworks within Co-lending and LSP ecosystems.