Our Leadership
At BOBCARD, we reimagine credit solutions to be simple, rewarding, and future-ready. Behind this vision stands our Board of Directors and Management Committee - leaders committed to shaping a brighter financial future and empowering an Atmanirbhar Bharat every single day.
Our Board of Directors
Dr. DEBADATTA CHAND
Chairman
Dr. Debadatta Chand appointed as Non-Executive Nominee Director of the Company on March 16, 2023. Dr. Chand has over 31 years of experience in the banking & financial services industry.
Dr. Chand is currently the Managing Director & CEO of Bank of Baroda and has managed Corporate & Institutional Credit, Corporate & Institutional Banking, Treasury & Global Markets, Mid-Corporate Business and Trade & Foreign Exchange. In addition, he also successfully oversaw the International Banking Business, Domestic Subsidiaries/ Joint Ventures, Wealth Management, Capital Markets, NRI Business as well as key platform functions such as HRM, Finance & Planning, Risk Management, Audit & Inspection, Credit Monitoring, Collections, Legal, Compliance, Learning & Development, Disciplinary Proceedings, Information Security and Estate Management & Security in Bank.
Shri Sanjay Mudaliar
Non-Executive Director
Shri Sanjay Mudaliar is a Non-Executive Nominee Director on our Board. He is a career banker and currently serves as an Executive Director of Bank of Baroda. Prior to this, he was Executive Director at Indian Overseas Bank (IOB). Shri Mudaliar is a Post Graduate in Science & Technology and a Certified Project Management Practitioner from London.
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Ms. K.V. Sheetal
Non-Executive Director
Ms. K. V Sheetal is a Non -Executive Nominee Director on our Board. She is a career Banker and currently serves as Chief General Manager and head digital operation group at Bank of Baroda. She joined Bank of Baroda in 1999 as specialist officer (I.T). Ms. Sheetal is Engineering Graduate from Goggle Institute of Technology Belgaum.
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Shri Sriraman Jagannathan
Independent Director
Shri Sriraman Jagannathan is an Independent Director on our Board. He holds a Post graduate Diploma in Management from IIM, Ahmedabad and Bachelor of Technology degree from IIT Delhi. He has vast expertise of leadership over 35 years in consumer banking and digital financial services. He started his career in 1989 with Citibank.
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Shri Abhijit Chakravorty
Independent Director
Shri Abhijit Chakravorty brings over 36 years of leadership experience in banking and financial services, with a distinguished career at the State Bank of India, where he served in senior roles across Corporate Credit, Treasury, Information Technology, and Risk Management, culminating as Deputy Managing Director.
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Shri Ravindra Rai M
Managing Director & CEO
Mr. Ravindra Rai M assumed charge as the Managing Director & CEO of BOBCARD Limited on September 27, 2024. Mr. Rai served as the Deputy Managing Director and Whole Time Director from March 27, 2024 to closing hours of September 26, 2024. He has been part of Bank of Baroda India’s second largest Public Sector Bank.
Know MoreOur Management Committee
Shri Ravindra Rai M
Managing Director & CEO
Mr. Ravindra Rai M assumed charge as the Managing Director & CEO of BOBCARD Limited on September 27, 2024. Mr. Rai served as the Deputy Managing Director and Whole Time Director from March 27, 2024 to closing hours of September 26, 2024. He has been part of Bank of Baroda India’s second largest Public Sector Bank.
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Ashish Shah
Deputy Managing Director
Mr. Ashish Shah is the Deputy Managing Director of BOBCARD Limited. As the DMD of the organisation, he oversees a broad spectrum of responsibilities within the Company, including Product & Portfolio, Marketing, Open Market Sales, Operations & Projects, Information Technology, Digital, Data Insights & AI, Collections, and Human Resources.
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Nitin Aggarwal
Chief Financial Officer (CFO)
Mr. Nitin Aggarwal serves as the Chief Financial Officer of BOBCARD, providing leadership to the organisation’s Finance and Treasury functions. In this capacity, he oversees the company’s financial, including enterprise-wide budgeting, performance reporting, liquidity management, and overall financial governance.
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Ashutosh Kumar
Head – Marketing & Direct Sales
Mr. Ashutosh Kumar joined BOBCARD in September 2017 and is currently handling responsibility of Marketing & Open market Sales verticals. He has over 24 years of experience in the BFSI space in the field of brand communication, customer engagement, and value proposition.
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Raman Gaba
Head- Product & Portfolio Management
Mr. Raman Gaba joined BOBCARD in February 2025. In his current role he is responsible for overseeing the strategy, development, and performance of the company's credit card products and portfolio.
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Roopesh Chandran
Head – Operations & Projects
Mr. Roopesh Chandran joined BOBCARD in February 2022 and is currently handling Card Operations, Card Issuance & Merchant Operations. He is responsible for driving Innovation, cost optimization & automation.
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Ayaskant Mohapatra
Head – Information Technology
Ayaskant Mohapatra joined BOBCARD in April 2020. He is a seasoned technology leader with over 26 years of experience driving IT strategy, digital transformation, and large-scale technology operations within BFSI industry.
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Sandeep Anga Ebenezer
Head - Corporate & Retail Underwriting
Mr. Sandeep Anga Ebenezer is Head - Corporate & Retail Underwriting at BOBCARD, deputed from Bank of Baroda in October 2023.In his current role he is responsible for Corporate & Retail underwriting.
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Ravi Khanna
Head - Human Resources
Mr. Ravi Khanna joined BOBCARD in Jan 2019 and has over 25 years of extensive experience across all HR functions. Mr. Khanna has been handling HR and L & D functions at BOBCARD.
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Amit Jain
Chief Risk Officer
Mr. Amit Jain joined BOBCARD in August 2025. In his current role he leads Analytics, Credit Policy, Fraud Risk Management (FRM) and Operational Risk Management (ORM) departments and will be responsible for implementation of Risk Governance
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Ramendra Chauksey
Chief Compliance Officer
Mr. Ramendra is Chief Compliance Officer at BOBCARD. With 25+ years in banking sector, Mr. Ramendra Chauksey is a seasoned expert in Compliance, AML, Internal Audit, Retail Banking Operations.
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