KGFS Senior Team

Ramkumar Ratnam is a seasoned banker with a combined experience of over 2 decades in FMCG and Banking. Prior to joining KGFS, Ram has been with ICICI Bank, handling leadership roles at flagship branches at Chennai and then moved on to handle clusters having multiple branches spread across geography. He has rich experience in Sales., Training and Operations . He had worked in Sales with Hindustan Lever Ltd., (now Unilever India) in initial days of his carrier and then moved onto Pepsico Sales. He was also into Field force training for Pepsico in his Market Unit and he was also a certified trainer with ICICI Bank imparting training to” Deputy Managers and Branch Managers " covering wide range of sessions including Operations, Compliance and Products". He holds a Bachelors in Commerce, Accountancy & Economics. He has completed a certified course with Institute of Social Work and Management, Chennai, JAIIB from IIBF and Post Graduate Diploma In Business Administration from NIBM. He has also attended “HBS Accion Program in Strategic Leadership in Inclusive Finance” from Harvard Business School.

Ramkumar Ratnam - Head,  Thenpennaiaaru KGFS, IRCS
Ramkumar Ratnam
Head, Pudhuaaru KGFS

Sunil Kumar Ubhan, is a professional in Business Development and handling sales, opening up geographies. He has 24 years of experience in organizations like Magma Fincorp, Alipc Finance, ICICI & HDFC Bank. He has an expertise in Sales & Marketing, Planning & Budgeting, Team Management, Channel Management and People Management as well. He was working as Zonal Product & Program Manager at Magma Fincorp Ltd. before joining us. There he was looking after Training & Product Development for entire east zone which includes National Relationships with Hyundai, Zonal Relationships with Maruti and Tata. Before that while working with HDFC & ICICI, he launched and developed the auto-market from basics across Uttar Pradesh & Uttarakhand. He has in-depth knowledge of entire east zone which includes Bihar, Jharkhand, West Bengal, Orissa, Uttar Pradesh & Uttarakhand in terms of sales, marketing and geographies. Referring to his academia, he is Post Graduate in Sales & Marketing from NIS, holds a Diploma in Export Marketing, a Science Graduate, also attend sessions for Introduction to R from XLRI and a Certified Trainer. He belongs to Dehradun and his hobbies includes reading, singing, gardening ,Bonsai Making and Trekking

Sunil Kr Uban
Head, Sahastradhara KGFS

Umaithurai has done Bachelor of Engineering in Agriculture and having about more than 16 years of core sales & marketing experience with various reputed companies in India. Post his studies, he has been dwelled with various agriculture and its allied sectors companies like SAME DEUTZ – FAHR (Manufacturer of Tractors & Agricultural machinery) Ranipet, FORCE MOTORS LTD, JOHN DEERE INDIA (P) LTD. Prior to KGFS, his immediate previous association was with ICICI BANK Ltd as Regional Head for Sales (in Farmer Finance Division)

Umaithurai - Head,  Vellaru KGFS, IRCS
Umaithurai R
Head, Vellaaru KGFS

Mohan Raj is a Post Graduate in Finance. His native town is Coimbatore. He has 17+ years of rich experience in the area of Retail finance and Micro finance catering both Urban and Rural markets. He had worked with corporates like GE Money, Citi Financial, HDFC Standard Life and Equitas. His latest stint was with Equitas Micro finance for almost 8 yrs. Mohan is a process driven person and firmly believes that Business doesn’t happen in Magic but happens in Logic. He spends his leisure time in Reading and Listening Music.

Umaithurai - Head,  Vellaru KGFS, IRCS
Mohanraj K
Head, Thenpennaiaaru KGFS