Management Team

K S Ramdas
Ram, Chairman of the Jana Urban Services for Transformation has over three decades of experience in Indian and international financial markets starting with Bank of America in India. Over the next 17 years, he was with the JP Morgan Chase Group in New York, during which time he was honored with Chase’s highest award, The Excalibur, in 1992. Ram ran the Toronto Dominion Bank’s flagship Mid-Atlantic small business banking group. He returned to India in June 2008 to head DCB Bank’s foray into SME banking, which is its premier vertical today. He relocated to Bangalore in 2010 as CEO of the enterprise business of Janalakshmi Financial Services. In his current role, he guides JUST’s use of customer insights, research, financial advisory and spatial analytics to extend financial inclusion to the urban underserved.

Ruchi Ramann
Chief Operating Officer
Ruchi is an MBA from the Faculty of Management Studies, Delhi University and BA (Hons.) in Economics from Lady Shri Ram College for Women, Delhi University. She has over 20 years of experience in the financial services sector.

In her previous role, Ruchi was the Chief Operating Officer, Commercial Banking for HSBC India, based in Mumbai. Her prior roles include senior relationship management and business development positions in Private Banking and Corporate & Commercial Banking with HSBC, Standard Chartered and ANZ Grindlays , based in India and the UK.

Bejoy Varghese
Group Head – Technology
Bejoy is an engineer and a pioneering technologist with over 19 years of experience in implementing technologies, enterprise systems and business processes primarily in the BFSI domain.

In his previous role, Bejoy was the Chief Technology Officer of India’s largest peer to peer lending business market place, He has worked for large international financial institutions in their fast paced and complex business environments while at Barclays, Infosys, Cognizant and CSC previously.

In his current role with JUST, apart from JUST, Bejoy will also be responsible for technology deliveries for Jana Urban Space Foundation, Janaadhar and Jana foundation.

Bejoy is a sportsperson at heart and loves to catch up with badminton sessions whenever time permits.

Prajakta Mony
Head – Customer Insights
Prajakta has over ten years of work experience in the field of analytics and decision sciences, post obtaining a Master’s degree in Statistics from Mumbai University. She has delivered a number of solutions across the analytics spectrum, ranging from MIS systems to statistical model building and their business implementation, in the financial services domain. She is a certified six-sigma Green Belt. She is associated with JUST since March 2014 and heads the Customer Insights & Analytics team, which engages with the operating companies to deliver actionable customer insights.

Dr. Batool Fatima
Head – Community Connect
Batool heads Community Connect for Jana Urban Services for Transformation. This business vertical provides a variety of value added services for Janalakshmi’s customers including income enhancement initiatives like Skilling, Entrepreneurship Development and Recruitment as well as provides support to the community on other vital social issues like health, education and general awareness programs.

Prior to this, Batool was Head of Business and Operations at LabourNet where she was instrumental in scaling the organization to become a significant player in the skilling industry. Prior to LabourNet, she was part of Manipal Global Education where her role included planning, designing, and implementing business processes across all business enablers at IRIZE. Batool also has extensive experience in ITES, heading operations for Acusis at Coimbatore and Bangalore as well as heading their global Corporate Training program.

She is a qualified doctor from Gandhi Medical College, Hyderabad and has completed Six Sigma Black Belt from the American Society of Quality as well as a Diploma in Management from ICFAI.

Babu Thomas
Head – Technology Services
Babu comes with 20+ years of technology experience in ERP, Hospitality and Healthcare. In his previous role, Babu headed the technology function for Janaagraha Centre for Citizenship and Democracy and was instrumental in building the popular websites and He is also part of the team that developed the technology stack for Swachh Bharat platform. Babu is also a co-founder of the software product company, GreeneStep Technologies. Prior to GreeneStep, he was part of one of the first product companies from India, Everest Software.

Girija N
Head – Administration and Company Secretariat
Girija has completed graduation from St. Joseph’s College, Bangalore and CS from the Institute of Company Secretaries of India (ICSI). She has over 10 years of work experience in various fields like General Administration, Secretarial Compliance etc with strong administrative and organizational skills and the ability to maintain a realistic balance among multiple priorities. She is associated with JUST since April 2015 and manages Administration and Corporate affairs of the Company. She also supports group entities like Jana Urban Foundation, Janaadhar India Pvt Ltd and Jana Urban Space Foundation India.