Mr. Sanjay Agarwal is a merit holder Chartered Accountant and a first-generation entrepreneur. He exemplifies and sets a benchmark for all visionary leaders by constantly building an institution full of inclusion and sustainable practices.
He started his journey as an entrepreneur, creating a milestone that reflects his unmatched efforts and now standing tall as MD & CEO of one of the India’s largest Small Finance Bank.

Mr. Uttam Tibrewal is the Executive Director of AU SFB. A commerce graduate from the University of Delhi, he holds vast experience in Financial Services, Agriculture, Small Scale Industries, Banking, and Risk & Business Management. His expertise has been instrumental in scaling the retail business. Since 2005, he has led the organization with a focus on simplifying processes and prioritizing customer centricity for success.