Mr Santosh Nayak
Mr. Santosh a seasoned professional is the Vice President – Business. He has 15 years of market exposure on unsecure retail assets business and micro-lending business to his credit. Before joining Adhikar he was associated with BFIL (erstwhile SKS Microfinance) and Jana Small Finance Bank. Santosh did his PGDBM from IMB and enterprise development from XIMB. His areas of expertise include market assessment, risk assessment and micro-credit.