Midland Microfin Limited

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MR. AMITESH KUMAR
President, Chief Operating Officer & Chief Financial Officer (President, COO & CFO)

Mr. Amitesh Kumar is a founding Executive team member of Midland Microfin Ltd and is a highly accomplished Microfinance professional with over 15 years of diverse experience. His expertise spans sales, marketing, business development, financial management, risk management, and more. 

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MR. KAPIL KUMAR RUHELA
Company Secretary & Chief Compliance Officer

With over a decade of experience in compliance and secretarial functions, Mr. Kapil Kumar Ruhela is well-versed in the intricacies of business regulations. His expertise spans areas governed by SEBI, RBI, FEMA, Companies Act, and stock exchange listing norms. As an associate member of ICSI, he excels in ensuring statutory compliance, formulating policies

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MR. GAGANDEEP SHARMA
Chief Information and Security Officer (CISO)

Mr. Gagandeep Sharma is a distinguished technology leader with 20 years of experience in the financial services and technology sectors. He has played pivotal roles in renowned organizations such as A.S Software Services Pvt Ltd, StarAgri Finance Ltd, Indiabulls Housing Finance Services Ltd, Indiabulls Technology Ltd, and ICICI HFC Ltd.

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MR. GOPESH GUPTA
Vice President – Accounts & Finance

Mr. Gopesh Kumar, a Chartered Accountant, has been a key member of our Accounts & Finance Department for the past 6 years. His expertise and dedication have made him a vital asset to our company. With a strong background in financial management and accounting, he has consistently demonstrated exceptional skills in financial analysis

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MR. RAJESH KUMAR
Strategic Business Head

Mr. Rajesh Kumar is a seasoned financial services leader with more than 22 years of experience across operations, credit, collections, and business development. He has held key leadership roles at institutions including Unity Small Finance Bank, Arohan Financial Services, and Jana Small Finance Bank

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MR. RAHUL KUMAR
Business Head

A strategic leader with over 16 years of experience in financial services, Mr. Rahul Kumar heads Midland’s operations across Kolkata, Bihar, and Odisha. His academic background includes an Executive MBA in Strategic Management from IIM Calcutta and a Postgraduate Diploma in Forestry Management from IIFM Bhopal.

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MR. GAGANDEEP SHARMA
Vice President – Insurance

Mr. Gagandeep Sharma, a law graduate and CA Inter, brings over 28 years of experience in Income Tax and audit to his role. He plays a pivotal role in developing robust internal control systems by establishing standardized audit processes. His expertise includes contracts, dispute resolution, regulatory compliance, corporate advisory, and risk management in the financial sector.

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MR. MANINDER KUMAR
Deputy Vice President – Credit & Product

Mr. Maninder Kumar has been an integral part of Midland Microfin Limited since its inception in November 2010, bringing 14 years of enriched experience in the Microfinance industry. His expertise lies in designing processes, policies, and products, and he plays a crucial role in driving backend business operations, credit, compliance, analytics, and risk analysis tasks.

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MR. VINOD KUMAR MAHESHWARI
Head of Information Technology

With over 15 years of experience in enterprise technology and digital innovation within the financial services sector, Mr. Vinod Kumar Maheshwari brings a future-focused mindset to his role at Midland Microfin Limited. As Head of Information Technology, he leads Midland’s technology transformation, ensuring the organisation is agile, secure, and prepared for scalable growth.

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MS. PARMINDERJIT KAUR
Associate Vice President – Credit Plus Product

Mrs. Parminderjit Kaur contributes as the Associate Vice President – Social Impact Product at Midland Microfin Limited, bringing over 12 years of experience in the microfinance industry. She holds an MBA in Finance from ICFAI Business School and a B.Com from Lyallpur Khalsa College. In her role, Mrs. Kaur oversees and manages social impact products, aligning them with the company’s strategic goals.

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MR. AMIT RATHI
Associate Vice President – Internal Audit & Control

Mr. Amit Kumar Rathi is a seasoned audit professional with 19 years of experience in the microfinance sector. He has a notable background in functional audit and risk processes, having worked at Varthan Finance Pvt Ltd and other esteemed organizations such as Caspor Micro Credit, Bharat Financial Inclusion Ltd, Jana Small Finance Bank Ltd, Capital Trust Ltd, and RBL Finance Ltd.

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MR. HARIKISHAN AGRAWAL
Associate Deputy Business Head

Mr. Harikishan Kumar, a graduate with a BSc and BEd, brings with him an impressive 17 years of experience in the microfinance industry. Having worked at SKS Microfinance Ltd. and currently serving at Midland Microfin Ltd., he has amassed a wealth of knowledge and expertise. As the Deputy Business Head, He plays a pivotal role in managing Midland’s offices 

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MR. DHARAM SINGH SOLANKI
Deputy Business Head

Mr. Dharam Singh Solanki, who holds an MBA degree, brings a notable 17 years of experience in the microfinance industry. He has previously worked with SKS Microfinance Ltd. and is currently a valuable member of Midland Microfin Ltd. Throughout his career, he has developed a deep understanding of the sector. 

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MR. NITISH GARG  
Senior Manager – Legal, Vigilance and Fraud

With more than eight years of experience in financial compliance and legal risk management, Mr. Nitish Garg leads Midland’s Legal, Vigilance, and Fraud Monitoring Unit. He brings a strong legal foundation from his work with institutions such as Kotak Mahindra Prime and Bajaj Finserv, and holds an LLB from Delhi University.

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MS. AMARPREET KOUR DUTTA 
Senior Manager – Human Resources

Ms. Amarpreet Kour Dutta leads Human Resources at Midland with over a decade of experience across law and people operations. A trained lawyer, she transitioned into HR after practising at the Honourable Court of Jammu and Kashmir, and now oversees a range of critical functions including:

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MS. SANDHYA  
Manager – Corporate Social Responsibilty & Event Management / Customer Grievance Redressal Unit

Ms. Sandhya has built a diverse career spanning CSR, Operations, Training, PR, and Customer Grievance Redressal. At Midland, she is known for developing impactful CSR programmes that align with the evolving needs of the community.

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MS. TANUJA MEHTA 
Manager – Administration & Facilities

Ms. Tanuja Mehta, a Bachelor of Arts graduate, has been an integral part of our organization for the past 11 years. As the Manager of Administration & Facilities, she brings a wealth of experience and expertise to the team. Her exceptional organizational skills, keen problem-solving abilities, and adeptness in Facilitation of Administrative Support

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MR. AMITESH KUMAR
President, Chief Operating Officer & Chief Financial Officer (President, COO & CFO)

Mr. Amitesh Kumar is a founding Executive team member of Midland Microfin Ltd and is a highly accomplished Microfinance professional with over 15 years of diverse experience. His expertise spans sales, marketing, business development, financial management, risk management, and more.He excels in Business Development, Operations Management, Strategy Formulation, Financial Planning, and more, showcasing a versatile skill set.

Mr. Amitesh has received prestigious accolades, including being recognized as one of the Top 5 CFOs in Finance in 2019 by CEO Insights Magazine and among the 10 best CFOs in India in 2023 by TradeFlock Magazine. His strategic prowess and positive leadership style have been instrumental in Midland’s success since its inception in 2011.

MR. KAPIL KUMAR RUHELA
Company Secretary & Chief Compliance Officer

With over a decade of experience in compliance and secretarial functions, Mr. Kapil Kumar Ruhela is well-versed in the intricacies of business regulations. His expertise spans areas governed by SEBI, RBI, FEMA, Companies Act, and stock exchange listing norms. As an associate member of ICSI, he excels in ensuring statutory compliance, formulating policies, conducting audits, and upholding corporate governance standards.

MR. GAGANDEEP SHARMA
Chief Information and Security Officer (CISO)

Mr. Gagandeep Sharma is a distinguished technology leader with 20 years of experience in the financial services and technology sectors. He has played pivotal roles in renowned organizations such as A.S Software Services Pvt Ltd, StarAgri Finance Ltd, Indiabulls Housing Finance Services Ltd, Indiabulls Technology Ltd, and ICICI HFC Ltd.

As the Chief Technology Officer (CTO) and Chief Information & Security Officer (CISO) at Midland Microfin Limited. Mr. Sharma leads the organization’s technology vision, ensuring seamless integration of innovative solutions that align with business goals. He is an expert in designing and implementing scalable IT strategies, robust digital infrastructures, and secure financial technology ecosystems that enhance operational efficiency and customer experience.

A forward-thinking leader, Mr. Sharma is passionate about leveraging emerging technologies, driving digital transformation, and fostering a culture of innovation. His strategic approach and technical acumen continue to make a profound impact on the industry, positioning organizations at the forefront of technological advancement.

MR. GOPESH GUPTA
Vice President – Accounts & Finance

Mr. Gopesh Kumar, a Chartered Accountant, has been a key member of our Accounts & Finance Department for the past 6 years. His expertise and dedication have made him a vital asset to our company. With a strong background in financial management and accounting, he has consistently demonstrated exceptional skills in financial analysis, budgeting, and reporting. His contributions have significantly enhanced our financial operations and strategic decision-making processes. His commitment to excellence and his invaluable insights continue to drive the success and efficiency of our finance team..

MR. RAJESH KUMAR
Strategic Business Head

Mr. Rajesh Kumar is a seasoned financial services leader with more than 22 years of experience across operations, credit, collections, and business development. He has held key leadership roles at institutions including Unity Small Finance Bank, Arohan Financial Services, and Jana Small Finance Bank, where he consistently delivered operational excellence.

At Midland Microfin Limited, Mr. Kumar spearheads core operations with a focus on enhancing process efficiencies, strengthening risk frameworks, and building execution-led culture. His ability to drive alignment across business verticals makes him a critical contributor to Midland’s strategic roadmap.
A firm believer in scalable, community-focused models, Mr. Kumar’s leadership is rooted in operational rigour and customer-centricity. His commitment to building sustainable growth channels continues to strengthen Midland’s mission of financial inclusion.

MR. RAHUL KUMAR
Business Head

A strategic leader with over 16 years of experience in financial services, Mr. Rahul Kumar heads Midland’s operations across Kolkata, Bihar, and Odisha. His academic background includes an Executive MBA in Strategic Management from IIM Calcutta and a Postgraduate Diploma in Forestry Management from IIFM Bhopal.

Mr. Kumar’s leadership is defined by innovative thinking, rural market expertise, and a deep commitment to financial inclusion. Under his guidance, Midland’s outreach and customer engagement in the eastern region have seen measurable improvements.

He brings a multidimensional perspective to growth and governance, making him a key contributor to Midland’s impact on underserved communities.

MR. GAGANDEEP SHARMA
Vice President Insurance

Mr. Gagandeep Sharma, a law graduate and CA Inter, brings over 28 years of experience in Income Tax and audit to his role. He plays a pivotal role in developing robust internal control systems by establishing standardized audit processes. His expertise includes contracts, dispute resolution, regulatory compliance, corporate advisory, and risk management in the financial sector. Mr. Sharma provides strategic guidance and support to the legal and audit teams, ensuring regulatory compliance and effective risk management across legal, audit, and insurance functions, contributing significantly to our organizational success.

MR. MANINDER KUMAR
Deputy Vice President – Credit & Product

Mr. Maninder Kumar has been an integral part of Midland Microfin Limited since its inception in November 2010, bringing 14 years of enriched experience in the Microfinance industry. His expertise lies in designing processes, policies, and products, and he plays a crucial role in driving backend business operations, credit, compliance, analytics, and risk analysis tasks. Currently serving as the Associate Vice President-Credit, Mr. Maninder leads efforts in credit monitoring, risk analysis, and developing methodologies to establish risk appetite. His contributions in updating, implementing, and suggesting policies and procedures aligning with the company’s business targets and risk management goals.

MR. VINOD KUMAR MAHESHWARI
Head of Information Technology

With over 15 years of experience in enterprise technology and digital innovation within the financial services sector, Mr. Vinod Kumar Maheshwari brings a future-focused mindset to his role at Midland Microfin Limited. As Head of Information Technology, he leads Midland’s technology transformation, ensuring the organisation is agile, secure, and prepared for scalable growth.

Since joining Midland in June 2025, he has played a central role in modernising the digital infrastructure and embedding IT solutions that align with broader business goals. His leadership bridges cutting-edge systems with a customer-first approach to drive efficiency, reduce friction, and elevate service delivery.

Previously, Mr. Maheshwari served as Chief Technology Officer at Kogta Financial (India) Ltd., where he was instrumental in building ERP systems, scalable platforms, and robust disaster recovery solutions. He began his career as a Web Developer and advanced into enterprise-level development with a specialisation in ASP.Net.

A results-oriented strategist with deep technical knowledge, he remains committed to shaping the future of financial technology through innovation, resilience, and purpose-driven leadership.

MS. PARMINDERJIT KAUR
Associate Vice President – Credit Plus Product

Mrs. Parminderjit Kaur contributes as the Associate Vice President – Social Impact Product at Midland Microfin Limited, bringing over 12 years of experience in the microfinance industry. She holds an MBA in Finance from ICFAI Business School and a B.Com from Lyallpur Khalsa College. In her role, Mrs. Kaur oversees and manages social impact products, aligning them with the company’s strategic goals. She also serves as the Grievance Redressal Officer (GRO), ensuring timely resolution of customer concerns and strengthening trust in the organization’s service standards. Her leadership, financial expertise, and strategic planning have significantly boosted the company’s financial performance and operational excellence. Mrs. Kaur excels in product portfolio management, team leadership, client relationship management, and ensuring regulatory compliance. Known for her strong organizational and time-management skills, she also possesses excellent communication and interpersonal abilities. Her ethical conduct and reliability make her a valuable asset to the company. Mrs. Kaur’s extensive background in finance and microfinance continues to foster innovation and excellence at Midland Microfin Limited.

MR. AMIT RATHI
Associate Vice President – Internal Audit & Control

Mr. Amit Kumar Rathi is a seasoned audit professional with 19 years of experience in the microfinance sector. He has a notable background in functional audit and risk processes, having worked at Varthan Finance Pvt Ltd and other esteemed organizations such as Caspor Micro Credit, Bharat Financial Inclusion Ltd, Jana Small Finance Bank Ltd, Capital Trust Ltd, and RBL Finance Ltd. Mr. Rathi is an expert in risk-based internal audit, fraud risk assessment, credit, sales review, and compliance. He brings a strong combination of leadership and hands-on experience, with significant expertise in loan portfolio audit methodology for microfinance and NBFC institutions. Currently, as the Associate Vice President of Internal Audit & Control at Midland Microfin Ltd, Mr. Rathi oversees the development and implementation of audit and risk strategies. He plays a crucial role in the prevention, detection, and investigation of potential fraud and other risks. His strong analytical abilities and adeptness in formulating and streamlining operational policies and procedures make him an invaluable asset to the organization.

MR. HARIKISHAN AGRAWAL
Associate Deputy Business Head

Mr. Harikishan Kumar, a graduate with a BSc and BEd, brings with him an impressive 17 years of experience in the microfinance industry. Having worked at SKS Microfinance Ltd. and currently serving at Midland Microfin Ltd., he has amassed a wealth of knowledge and expertise. As the Deputy Business Head, He plays a pivotal role in managing Midland’s offices in Punjab, Haryana, Himachal Pradesh and Rajasthan. His areas of expertise include strategic planning, operational management, leadership and team management, market analysis, and risk management. His contributions are integral to driving the company’s growth and success.

MR. DHARAM SINGH SOLANKI
Deputy Business Head

Mr. Dharam Singh Solanki, who holds an MBA degree, brings a notable 17 years of experience in the microfinance industry. He has previously worked with SKS Microfinance Ltd. and is currently a valuable member of Midland Microfin Ltd. Throughout his career, he has developed a deep understanding of the sector. As the Deputy Business Head, he is instrumental in overseeing Midland’s operations in Gujarat and Madhya Pradesh. His skill set includes various leadership and team development, strategic planning, business development, market analysis and operational oversight. His efforts are crucial in steering the company’s growth and ensuring its continued success.

MR. NITISH GARG  
Senior Manager – Legal, Vigilance and Fraud

With more than eight years of experience in financial compliance and legal risk management, Mr. Nitish Garg leads Midland’s Legal, Vigilance, and Fraud Monitoring Unit. He brings a strong legal foundation from his work with institutions such as Kotak Mahindra Prime and Bajaj Finserv, and holds an LLB from Delhi University.

In his current role, Mr. Garg oversees a broad scope of responsibilities including fraud detection, legal recovery, crisis handling, and policy enforcement. His leadership ensures Midland’s interests are protected and aligned with ethical governance practices.

Known for his precision, diligence, and strategic thinking, Mr. Garg contributes meaningfully to Midland’s commitment to accountability and sustainable compliance.

MS. AMARPREET KOUR DUTTA 
Senior Manager – Human Resources

Ms. Amarpreet Kour Dutta leads Human Resources at Midland with over a decade of experience across law and people operations. A trained lawyer, she transitioned into HR after practising at the Honourable Court of Jammu and Kashmir, and now oversees a range of critical functions including:

  • Employee lifecycle processes such as onboarding and separation
  • Disciplinary and grievance redressal frameworks

  • Escalation and compliance mechanisms

She also serves as Chairperson of the Internal Committee on Prevention of Sexual Harassment and acts as Midland’s Whistleblower Officer.

Ms. Dutta’s people-first approach, combined with sharp execution and policy expertise, plays an essential role in nurturing Midland’s culture of integrity, safety, and care.

MS. SANDHYA  
Manager – Corporate Social Responsibilty & Event Management / Customer Grievance Redressal Unit

Ms. Sandhya has built a diverse career spanning CSR, Operations, Training, PR, and Customer Grievance Redressal. At Midland, she is known for developing impactful CSR programmes that align with the evolving needs of the community.

Her expertise in event planning, PR, and stakeholder engagement has significantly expanded Midland’s outreach. With a people-first mindset, she also plays a central role in customer grievance resolution, ensuring trust and transparency in service delivery.

Dedicated and strategic, Ms. Sandhya continues to be a vital link between Midland’s community initiatives and its broader mission of inclusive growth.

MS. TANUJA MEHTA
SManager – Administration & Facilities

Ms. Tanuja Mehta, a Bachelor of Arts graduate, has been an integral part of our organization for the past 11 years. As the Manager of Administration & Facilities, she brings a wealth of experience and expertise to the team. Her exceptional organizational skills, keen problem-solving abilities, and adeptness in Facilitation of Administrative Support, have been instrumental in ensuring the smooth operation of our facilities and administrative functions. Her dedication and leadership continue to contribute significantly to the success and efficiency of our organization.