Mr. Sib Sankar Sutradhar

CEO & MD

Sib Sankar Sutradhar is a visionary leader and dedicated social entrepreneur with over two decades of multifaceted experience spanning financial management, community development, and educational initiatives. As the Director of the Seven Sea Welfare Foundation and founder of Manju Vidyamandir and Digital Eon English Medium School, he is committed to driving sustainable social, economic, and educational upliftment for underserved communities, particularly in rural areas.

Mr. Sutradhar's career is marked by a unique blend of financial expertise and a deep-rooted passion for grassroots development. He holds a B.Com Hons from the University of Kalyani, providing a strong analytical and financial foundation.

His journey began as a Community Volunteer at Village Welfare Society, igniting a lifelong commitment to social causes. He then honed his financial management skills through various pivotal roles, including:

• Account Executive at Liberal Association for Movement of People
•Management Trainee (Accounts) at Bandhan Financial Services Pvt. Ltd.
•Account Executive at Seva Rahara
•Accounts Executive at Society for Model Gram Bikash Kendra
• Finance Executive at AMFI-WB

Demonstrating an entrepreneurial spirit and a keen understanding of last-milestone service delivery, Mr. Sutradhar transitioned to becoming an Individual Entrepreneur and Village Level Entrepreneur (VLE) with CSC e-Gov, facilitating digital inclusion and access to government services. His commitment to financial accessibility further extended through his work as a Business Correspondent with both ICICI Bank and Bangiya Gramin Vikash Bank, bringing essential banking services to rural populations. He also served as an Aadhaar Operator with UCL, deepening his expertise in digital identity infrastructure.

Driven by a profound desire to make a direct and tangible impact, Mr. Sutradhar leveraged his extensive experience to establish the Seven Sea Welfare Foundation. Under his leadership, the NGO is dedicated to provide crucial social, economical, and financial assistance to needy individuals and families. Complementing this mission, being a founder of Manju Vidyamandir and Digital Eon English Medium School underscores his belief in education as the ultimate tool for empowerment, providing quality learning opportunities for the next generation.

Sib Sankar Sutradhar's diverse background in financial inclusion, community engagement, digital services, and educational leadership given him recognition as a dynamic force for positive change, dedicated to fostering self-reliance and improving the quality of life for rural communities across India as a whole.

Mr. Susen Dutta

Mr. Susen has over 14 years of diverse experience in microfinance operation, strategy, business development, training, livelihood & social development program, Communication and Crisis Management.

He holds a Bachelor degree of Social work & a Post Graduate in Rural development. Mr. Dutta is a certified personnel from Indian Institute of Banking Finance (IIBF).He has hands on expertise& extensive experience in business &branch expansion. Having opened and established 115+ branches across Uttarakhand, Bihar, Jharkhand, Rajasthan, Assam, Meghalaya, Sikkim, Odisha, Punjab & West Bengal. Early in the year of 2009 he has started his career with a Kolkata based renowned Non-government organization. He has also worked with Association of Microfinance Institution-West Bengal (AMFI-WB),Uttrayan Financial Services (NBFC-MFI), We Grow Financial Services (NBFC-MFI). Kolkata based NBFC Jeevan Utthan Financial Services Pvt. Ltd. appointed him as the Operation Head during the year of 2023. He also worked as a General Manager- Training & Grievance at Grameen Shakti Microfinance Services Pvt. Ltd.

His area of expertise is in Business Development, Team leadership, Staff development, Team liaising, Stakeholder liaison, Crisis Management, Client assessment & analysis, strong verbal communication, risk management process and analysis. He has established close relationship with the district administration in different state for the expansion and smooth management of microfinance. He has handled various projects in his previous Organization like Manpower Planning, Employee Engagement, Employee Retention and Employee Grievance handling.

Mr. Subhash Chandra Paul

Subash Chandra Paul is a distinguished and highly accomplished microfinance professional with an exceptional career spanning 38 years, marked by significant leadership roles and strategic contributions across prominent Microfinance Institutions (MFIs) in India. With a robust background in operational management, strategic expansion, and financial stewardship, Subash brings unparalleled insights into the nuances and evolving landscape of the MFI sector.

Subash's extensive career encompasses critical roles such as Area Manager, Program Manager, and Cluster Manager at esteemed organizations including Kotalipara Development Society, Ujjivan Financial Services Pvt. Ltd. (Pune & Kolkata), Anjali Financial Services Pvt. Ltd., and Arohan Financial Services Ltd. This diverse experience has cultivated a holistic understanding of the MFI ecosystem, from grassroots operations to high-level strategic planning.

Key Contributions & Areas of Influence:
• Proven track record in identifying and capitalizing on growth opportunities, including new branch surveys and successful branch openings, demonstrating a keen eye for market dynamics and sustainable expansion.
• A strong advocate for human capital, Subash excels in staff training and motivation, fostering high-performing teams and ensuring operational excellence through skilled and engaged personnel.
• Instrumental in business improvement initiatives and cross-sell strategies, consistently driving revenue growth and enhancing portfolio quality through innovative approaches.
• Adept in fund management and a proactive champion of risk minimization, ensuring financial stability, compliance, and prudent resource allocation within dynamic operational environments.
• Deep expertise in streamlining operations, enhancing efficiency, and ensuring robust service delivery across multiple regions.

Subash Chandra Paul's nearly four decades of hands-on experience offer a unique perspective for any advisory body. His insights are invaluable for:

• Guiding strategic direction and long-term vision for MFI operations. • Providing expert counsel on navigating regulatory changes and market challenges.
• Developing robust risk management frameworks. • Advising on sustainable growth models and inclusive financial practices.
• Mentoring future leaders within the microfinance sector.

Subash's profound understanding of both the micro and macro aspects of microfinance, combined with a demonstrated ability to drive growth and mitigate risk, positions him as an indispensable asset to any advisory council focused on financial inclusion and sustainable development.

Mr. Pabitra Kumar Sarkar

Mr. Pabitra Kumar Sarkar has extensive experiences over 22 years of leading and managing large Financial , Insurance, Banking , Microfinance, MSME, SME sectors aimed at improving marketing, business development , partnership with communities, government, development agencies and the private sectors . Before worked with LIC, LIC Housing Finance Financial Services Ltd & NBFC sectors in marketing verticals. Mr. Sarkar has worked with Government Of West Bengal & Hotel Industry was aimed to accelerate progress towards marketing . Over the years, Pabitra is working with Ministry Of MSME, Government Of India as Marketing Expert Officer ( State Head-West Bengal - Marketing, Assistant Director –Gr-I cadre) in Banking & Marketing vertical where working with leaders in Government of India , Government of WestBengal ,Banks, various Ministry, civil society organizations, private sectors and development agencies in marketing , capacity building , training & handholding verticals. He has extensive expertise as Business Mentor in MSME sectors and attend as Guest Faculty in Management colleges in marketing, branding, management development programme etc. He is currently holding as Advisory post in NCCSI, Central Tool Room , Ministry of MSME, Government of India, LGK LLP Pvt Ltd, Association Of Bengal Diary Industries, All India NGO Forum many more in marketing & capacity building verticals.

Mr. Joydeb Karmakar

Joydeb Karmakar is a highly seasoned professional with over 17 years of profound experience in the microfinance sector, recognized for his deep domain expertise and exceptional customer-centric approach. As an Assistant Customer Relationship Manager at Ujjivan Small Finance Bank since 2015, building on his tenure there since 2008, he has consistently demonstrated a unique ability to bridge banking services with underserved communities.

Mr. Karmakar's extensive career has provided him with sharp operational knowledge and a nuanced understanding of grassroots financial dynamics. His advisory insights are particularly strong in:

• Customer Relationship Management: Developing and maintaining trusted client relationships at the field level.
• Loan Servicing & Operations: Practical, on-the-ground expertise in loan lifecycle management within microfinance.
• Financial Inclusion Strategies: Enabling access to financial services for base-of-the-pyramid populations.
• Field-Level Credit Assessments: Incisive evaluation of creditworthiness in rural and semi-urban settings.

A trusted and respected figure in his operational areas, Mr. Karmakar's journey reflects an unwavering commitment to financial empowerment. He brings a pragmatic, client-focused perspective to discussions on effective client engagement, operational efficiency in microfinance, and sustainable financial outreach. His long-standing dedication makes him a valuable resource for insights into the real-world challenges and opportunities within India's microfinance marketplace

Mr. Subir Paul

A highly accomplished and results-driven financial services professional with over a decade of progressive experience in customer relationship management, business development, and independent relationship management roles. A 2007 graduate of Naihati Rishi Bankim Chandra College, Subir has built a strong expertise within the highly competitive Indian home loan sector, consistently demonstrating the ability to acquire new clients, nurture relationships, and drive significant business growth.

• Deep understanding of the housing finance ecosystem, including lead generation, loan product advisory, application processes, and regulatory compliance.
• Proven track record in identifying and capitalizing on new market opportunities, expanding client bases, and consistently achieving and exceeding sales targets. 
• Exceptional ability to build and maintain strong, trust-based relationships with individuals, channel partners, and key stakeholders, ensuring high levels of customer satisfaction and retention.
• Adept at addressing client needs, resolving inquiries, and providing comprehensive support to enhance the overall customer experience.
• A persistent and motivated professional with a history of meeting and surpassing business objectives in dynamic financial environments. 

Subir's career progression reflects a consistent focus on client-facing roles that blend sales acumen with robust relationship management. From a Senior CRS role at Ujjivan Financial Services Ltd., where he gained foundational banking experience and honed his customer acquisition skills, he transitioned into specialized housing finance. As a Customer Relationship Executive at Tata Capital Housing Finance LTD, he refined his expertise in managing client lifecycles and contributing to business targets. His tenure as a Business Development Executive at Dewan Housing Finance Corporation LTD (DHFL) further solidified his prowess in market expansion and direct loan portfolio growth. Most recently, as an IRM at IIFL Home Finance Ltd., he demonstrated exceptional autonomy and results in independent business generation within the home loan segment. Subir brings a pragmatic, results-oriented approach, combined with a deep empathy for client needs, making him a valuable asset for any advisory body seeking to navigate the complexities and capitalize on the opportunities within the Indian financial and housing finance sectors. 

Mr. Biswajit Dutta

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Mr. Jayanta Tarafder

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Mr. Saikat Biswas

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