Board of Directors
Mr. Vikas Sharma
Promoter & Director
Vikas Sharma is a Promoter and Director of Saksham Setu Micro Foundation, bringing strong hands-on experience in business development, market expansion, relationship management, and entrepreneurial initiatives. His practical understanding of business dynamics and customer needs contributes to the Foundation’s growth-oriented and customer-focused approach.
With a hands-on orientation towards business and development, Vikas brings a practical, result-oriented, and entrepreneurial perspective to the organization’s leadership. His ability to identify opportunities, build relationships, understand market requirements, and convert strategic objectives into actionable initiatives makes him an important contributor to the Foundation’s growth journey.
Leadership & Business Contribution
As Promoter and Director, Vikas plays an active role in shaping the Foundation’s business strategy, market development, and growth initiatives. His focus is on creating sustainable business opportunities while building strong relationships with customers, partners, and other stakeholders.
His key areas of contribution include:
- • Strategic Growth Initiatives
- • Customer & Relationship Management
- • Market Opportunity Identification
- • Business Planning & Execution
- • Partnership & Stakeholder Development
- • Entrepreneurial Initiatives
- • Sales & Distribution Development
- • Customer-Centric Business Solutions
- • Operational & Business Performance
Hands-On Business Approach
Vikas believes that successful businesses are built through strong market understanding, disciplined execution, customer trust, and long-term relationships. His hands-on approach enables him to remain closely connected with market realities and customer requirements while identifying practical opportunities for sustainable growth.
He brings a “think, execute and grow” philosophy to business, with an emphasis on converting ideas and opportunities into measurable outcomes.
Vision & Commitment
At Saksham Setu Micro Foundation, Vikas is committed to contributing towards the creation of a strong, scalable and customer-focused financial services platform. His focus is on expanding the organization’s reach, developing sustainable business opportunities, and supporting entrepreneurs and small businesses with accessible and responsible financial solutions.
As a Promoter and Director, he is dedicated to building an institution founded on trust, professionalism, responsible growth, and meaningful customer impact.
“Business growth is sustainable when opportunity is combined with execution, relationships are built on trust, and every customer is treated as a long-term partner.”
Mr. Bhushan Johar
Director & Business Head
Bhushan Johar is an accomplished financial services professional with 20 years of hands-on experience across the Banking and NBFC sectors, bringing extensive expertise in business leadership, financial services, lending operations, market development, customer relationships, and team management.
A Commerce Graduate, Bhushan combines strong business understanding with practical management capabilities and a customer-focused approach. His extensive exposure to the financial services industry has enabled him to develop a comprehensive understanding of market dynamics, customer behaviour, business development, lending ecosystems, and sustainable growth strategies.
Leadership at a Glance
As Director & Business Head, Bhushan is responsible for providing strategic and operational leadership to the business function of Saksham Setu Micro Foundation. He plays a pivotal role in translating the organization’s vision into scalable business strategies, sustainable growth initiatives, and effective market execution.
His leadership focuses on building a strong business franchise through:
- • Business Strategy & Market Expansion
- • Business Development & Revenue Growth
- • Lending & Financial Services
- • Customer Acquisition & Relationship Management
- • Sales & Distribution Development
- • Strategic Partnerships
- • Team Building & Leadership
- • Market Intelligence & Opportunity Identification
- • Business Performance Management
- • Operational Excellence & Execution
Business & Growth Leadership
Bhushan is closely involved in developing and executing the Foundation’s business growth and market expansion strategy. His focus is on identifying emerging opportunities, developing sustainable business channels, strengthening customer relationships, and creating a high-performance culture across the organization.
His hands-on approach enables him to remain closely connected with customers, markets, business teams, and operational realities, allowing the organization to respond effectively to changing market requirements.
He is particularly focused on expanding access to responsible financial solutions for small businesses, traders, entrepreneurs, self-employed individuals, and emerging enterprises.
Management & Leadership Philosophy
Bhushan follows a practical, disciplined and execution-driven leadership philosophy. He believes that sustainable business growth is built on four fundamental pillars:
Customer Trust • Strong Teams • Disciplined Execution • Responsible Growth
His management approach emphasizes empowering people, creating accountability, developing strong customer relationships, and ensuring that business objectives are achieved without compromising professionalism or long-term sustainability.
Strategic Contribution to Saksham Setu Micro Foundation
At Saksham Setu Micro Foundation, Bhushan is contributing to the development of a scalable, professionally managed and customer-centric financial services platform.
His role is particularly important in establishing the Foundation’s business architecture, strengthening its market presence, developing distribution capabilities, and creating a sustainable growth engine.
With his two decades of industry experience and practical understanding of business development, Bhushan brings a strong entrepreneurial mindset and execution-oriented approach to the leadership team.
His contribution supports the Foundation’s broader vision of creating a responsible, accessible and sustainable financial ecosystem for entrepreneurs and small and medium businesses.
“Sustainable growth is built when customer trust, strong leadership and disciplined execution come together with a clear purpose.”
Mrs. Vijaya Tiwari
Director & Promoter
Vijaya Tiwari is a Director and Promoter of Saksham Setu Micro Foundation, playing an important role in shaping the organization’s vision, values, governance, and long-term institutional development. A Master’s Degree holder, she brings a thoughtful, progressive, and purpose-driven perspective to the leadership of the organization.
As a Promoter and Director, Vijaya is committed to building an institution that combines professional excellence with social impact, with a particular focus on creating meaningful opportunities for women, entrepreneurs, small businesses, and underserved communities.
Leadership & Strategic Contribution
Vijaya contributes to the Foundation’s strategic development through her involvement in:
- • Organizational Vision & Strategic Direction
- • Corporate Governance & Institutional Development
- • Women Empowerment & Financial Inclusion
- • Entrepreneurship & Livelihood Development
- • Stakeholder Engagement & Community Outreach
- • Policy Development & Organizational Frameworks
- • Sustainable Business & Social Impact Initiatives
- • Building an Inclusive and Responsible Organizational Culture
Championing Women Empowerment
A key aspect of Vijaya’s leadership vision is the belief that financial independence is an important foundation for women’s empowerment. She strongly supports initiatives that encourage women to become entrepreneurs, strengthen household incomes, develop sustainable livelihoods, and participate more actively in economic decision-making.
Through Saksham Setu Micro Foundation, she seeks to encourage greater access to appropriate financial opportunities for women-led enterprises, self-employed women, small traders, and emerging entrepreneurs, helping them move towards greater financial independence and economic participation.
Vision for Inclusive Growth
Vijaya believes that financial services should not merely provide access to capital—they should create opportunities for people to build sustainable livelihoods, grow businesses, achieve financial independence, and participate confidently in the formal economy.
Her leadership philosophy is centred on empowerment, inclusion, integrity, responsible governance, and sustainable development. She is committed to helping Saksham Setu Micro Foundation evolve into a professionally managed institution that creates measurable economic and social value.
Commitment to Saksham Setu Micro Foundation
As a Promoter and Director, Vijaya is committed to strengthening the Foundation’s institutional foundations while ensuring that its growth remains aligned with its broader social purpose. Her focus is on building an organization that is professionally governed, customer-focused, socially responsible, and committed to inclusive financial growth.
“When women have access to opportunity, financial resources and the confidence to grow, they don’t just transform their own lives—they strengthen their families, businesses and communities.”
Mr. Sanjay Tiwari
Head – Strategy, Risk & Credit
Sanjay Tiwari is a distinguished banking and financial services professional with nearly three decades of experience, including 21 years of leadership and operational expertise across Banks and Non-Banking Financial Companies (NBFCs). Throughout his career, he has demonstrated exceptional proficiency in strategic planning, credit management, risk governance, portfolio quality management, and financial analysis, contributing significantly to business growth and organizational sustainability.
Recognized for his analytical acumen and strategic insight, Sanjay possesses extensive experience in designing and implementing robust credit frameworks, strengthening risk-management practices, and driving data-backed decision-making processes. His expertise spans the entire credit lifecycle—from borrower assessment and credit underwriting to portfolio monitoring, risk mitigation, and policy formulation.
Sanjay has further enhanced his professional capabilities through a Certificate in Financial Data Analysis from the Indian Institute of Management (IIM) Kashipur, equipping him with advanced skills in financial analytics, data interpretation, predictive assessment, and performance evaluation. His ability to combine traditional credit expertise with modern analytical techniques enables him to deliver prudent, sustainable, and growth-oriented financial solutions.
As Head – Strategy, Risk & Credit at Saksham Setu Micro Foundation, Sanjay leads the development and execution of the organization’s strategic initiatives while ensuring strong credit discipline and effective risk governance. He plays a pivotal role in shaping lending strategies, strengthening institutional controls, enhancing portfolio quality, and building scalable systems that support responsible financial inclusion.
His leadership is driven by a commitment to balancing growth with prudence, ensuring that the organization maintains high standards of credit quality while expanding access to financial services for underserved entrepreneurs, small businesses, and emerging enterprises.
Key Areas of Expertise
- • Strategic Planning & Business Transformation
- • Credit Strategy, Underwriting & Portfolio Management
- • Enterprise Risk Management
- • Financial Data Analysis & Business Intelligence
- • Credit Policy Development & Governance
- • Banking & NBFC Operations
- • Financial Statement & Cash Flow Analysis
- • Risk Identification, Assessment & Mitigation
- • Lending Process Optimization
- • Portfolio Quality & Asset Risk Monitoring
- • Regulatory Compliance & Credit Controls
- • Data-Driven Decision Making
Professional Vision
Sanjay believes that sustainable growth in financial services is achieved through a balanced approach that combines sound risk management, responsible lending practices, and strategic innovation. Through his leadership at Saksham Setu Micro Foundation, he is committed to building a resilient institution that empowers businesses, promotes financial inclusion, and creates long-term value for stakeholders and communities alike.
“Strong institutions are built on disciplined risk management, prudent credit decisions, and a clear strategic vision for sustainable growth.”
Mrs. Monica Chopra
Director & Promoter
Monica Chopra is a Director and Promoter of Saksham Setu Micro Foundation, bringing a strong combination of academic excellence, strategic thinking, and a deep commitment to women-centric financial inclusion and empowerment.
A Master’s Degree holder, Monica brings a professional and progressive perspective to the Foundation’s leadership. She is particularly passionate about creating an ecosystem where women can access financial opportunities, develop entrepreneurial capabilities, achieve greater economic independence, and participate confidently in the growth of their families and communities.
Leadership & Strategic Contribution
As a Director and Promoter, Monica contributes to the Foundation’s strategic vision, institutional development, and long-term growth. Her leadership focus is centred on building a professionally managed, inclusive and socially responsible financial institution.
Her key areas of contribution include:
- • Women-Centric Financial Inclusion
- • Women Entrepreneurship & Economic Empowerment
- • Strategic Vision & Institutional Development
- • Customer-Centric Financial Solutions
- • Community Outreach & Financial Awareness
- • Stakeholder Engagement & Relationship Building
- • Inclusive Business Development
- • Organizational Governance & Policy Development
- • Sustainable Social & Economic Impact
Championing Women-Led Growth
Monica strongly believes that women’s economic empowerment is a catalyst for stronger families, resilient communities, and sustainable economic development.
Her vision is to promote greater access to financial services for women entrepreneurs, self-employed women, small traders, and emerging businesses. She advocates financial solutions that are accessible, transparent, responsible, and aligned with the real needs of women-led enterprises.
Through her leadership at Saksham Setu Micro Foundation, she aims to support women in moving from financial dependence towards financial confidence, entrepreneurship and sustainable economic participation.
Professional Leadership Philosophy
Monica’s leadership approach combines empathy with professionalism, purpose with performance, and inclusion with sustainable growth. She believes that financial institutions can create meaningful social impact when they understand customers beyond numbers and design solutions around their aspirations, capabilities, and business realities.
She is committed to fostering a culture that values trust, integrity, customer dignity, responsible finance, innovation, and equal opportunity.
Vision for Saksham Setu Micro Foundation
As a Promoter and Director, Monica is committed to contributing towards the Foundation’s vision of building a responsible and inclusive financial ecosystem that enables entrepreneurs—particularly women—to access opportunities, strengthen their livelihoods, grow their businesses, and build a more secure future.
“Empowering a woman financially is not simply about providing access to finance—it is about giving her the confidence and opportunity to shape her own future.”
