Dr.Vikash Sadhu

CEO

Kolkata, West Bengal, India14 yrs 9 mos experience
Highly Stable

Key Highlights

  • 14 years in banking and financial services
  • Expert in risk governance and compliance
  • Passionate about financial inclusion and technology
Stackforce AI infers this person is a seasoned professional in Fintech with a strong focus on risk management and product strategy.

Contact

Skills

Core Skills

Risk ManagementProduct ManagementBranch OperationsRetail Banking

Other Skills

Enterprise Risk ManagementPolicy DesignDigital Repayment IntegrationStrategic PartnershipsTeam ManagementBankingBranch BankingFinanceCore BankingKYC VerificationManagement Information Systems (MIS)

About

With over 14 years of diversified experience across the banking and financial services landscape, I currently serve as Zonal Risk Manager – East at Belstar Microfinance Ltd, overseeing risk governance, compliance, and portfolio quality across six Eastern states — West Bengal, Bihar, Jharkhand, Odisha, Chhattisgarh, and Tripura. My career has been built on driving risk-managed growth, digital transformation, and strategic product innovation that enhance both customer value and institutional sustainability. Previously, as Product Manager at Arohan Financial Services, I led the end-to-end management of the Micro Business Loan vertical — from policy design and digital repayment integration to strategic partnerships with SIDBI and Government of India initiatives under the Street Vendor Financing Program. Earlier roles with Ujjivan Small Finance Bank, DCB Bank, and ICICI Bank further strengthened my expertise in branch operations, business development, credit quality, and regulatory compliance. I take pride in building cohesive teams, implementing scalable frameworks, and aligning risk and product strategies with long-term organizational vision. I bring a strong mix of strategic foresight, cross-functional leadership, and operational execution, with a consistent record of improving portfolio performance and governance standards. Passionate about financial inclusion and technology-led transformation, I aim to contribute to institutions that drive responsible growth and sustainable impact in the BFSI sector.

Experience

14 yrs 9 mos
Total Experience
2 yrs 6 mos
Average Tenure
2 yrs
Current Experience

Belstar microfinance limited

DGM- Risk

May 2024Present · 2 yrs · Kolkata · On-site

Enterprise Risk ManagementRisk Management

Arohan financial services limited

Product Manager

Apr 2020May 2024 · 4 yrs 1 mo

Product Management

Ujjivan financial services private limited

Cluster Head

Dec 2016Apr 2020 · 3 yrs 4 mos · Vellore Area, India

Branch Operations

Dcb bank

Branch Manager

Dec 2015Nov 2016 · 11 mos · Vellore

  • Branch Manager at Retail Banking Group
Retail Banking

Icici bank

Branch Manager

Nov 2011Nov 2015 · 4 yrs · Cuddalore

  • Worked as Branch Manager at Retail Banking
Retail Banking

Medical equipment and devices

Service Engineer

Apr 2010Sep 2010 · 5 mos · Siliguri

  • Worked as Service Engineer for Philips Healthier Equipments

Education

Annamalai University

Doctor of Philosophy - PhD — Financial Management

Dec 2018Mar 2024

Indira Gandhi National Open University

Master of Business Administration - MBA — Financial Market Practice

Jan 2013Jan 2015

ICICI Manipal Academy

Post Graduate Diploma in Banking — Banking and Finance

Feb 2011Feb 2012

RVS College of Engineering and Technology

B.Tech — Electronics and Communication Engineering

Jan 2005Jan 2010

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