Ujjivan Small Finance Bank has appointed Umesh Arora as the Head of Emerging Business, a newly created leadership role aimed at tapping into high-growth and underserved market segments. This move signals the bank’s renewed focus on expanding its footprint in niche areas of financial services. “This newly created role signifies the bank’s strategic push to capture growth opportunities in underserved and high-potential markets.”
Umesh brings over 25 years of extensive experience in retail lending, credit, and asset management. He has previously held key leadership roles at several top-tier financial institutions, including Axis Bank, IDBI Bank, Standard Chartered, and Utkarsh Small Finance Bank. His broad expertise across these sectors positions him well to lead the development of innovative financial products tailored for emerging customer needs.
“With over 25 years of experience, Umesh brings a wealth of knowledge in retail lending, credit, and asset businesses. He has held senior leadership positions at renowned financial institutions including Axis Bank, IDBI Bank, Standard Chartered, and Utkarsh Small Finance Bank.”
An IIM Kozhikode alumnus, Umesh also holds an Advanced Certification in Digital Transformation from IIM Lucknow and earned his undergraduate degree from Hansraj College. “An alumnus of IIM Kozhikode, Umesh also holds an Advanced Certification in Digital Transformation from IIM Lucknow and a Bachelor’s degree from Hansraj College.” His academic and professional background reflects a consistent focus on innovation, digital enablement, and financial inclusion.
In his new role at Ujjivan, Umesh will be tasked with expanding the bank’s product portfolio, improving market penetration, and supporting its long-term vision of inclusive growth. “At Ujjivan, he is expected to lead the charge in building new business lines, enhancing product reach, and advancing the bank’s mission of financial empowerment across emerging segments.”
His appointment underscores Ujjivan’s commitment to creating financial solutions that are accessible, inclusive, and responsive to evolving customer needs. With Umesh at the helm of this new vertical, the bank is poised to further its mission of driving financial empowerment across India’s underserved communities.
