Senthil Kumar R is a seasoned banking and financial services leader with over 25 years of strategic experience, specializing in retail banking, rural and inclusive banking, branch operations, and P&L management. He has successfully managed portfolios exceeding ₹6,800 Cr across South India, overseeing operations across Tamil Nadu, Kerala, and Karnataka, and leading cross-functional teams of 500+ members.

A Commerce graduate with an MBA in Finance and Management Development Program certification from IIM Lucknow, Senthil has built deep expertise in MSME lending, financial inclusion, and retail asset and liability management. He is recognized for driving double-digit YoY profit growth while championing farmer finance, SHG lending, and rural banking initiatives through more than 130 branches. Throughout his career, Senthil has been a change catalyst and process champion, institutionalizing operational governance, compliance frameworks, and customer-centric practices. He is a certified trainer in retail banking processes, mentoring staff for seamless onboarding and skill development.

An accomplished strategist, Senthil consistently enhances branch profitability, streamlines operations, and strengthens fee-based product penetration including Life & General Insurance and Mutual Funds. His leadership, operational acumen, and commitment to financial inclusion continue to deliver sustainable business growth and long-term organizational value.