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As the Chief Operating Officer, Ujual is responsible for driving operational transformation focusing on sustainable growth and leveraging technology effectively. At Aye Finance he brings in a comprehensive perspective on all the risks that are faced by the Company and directs our efforts towards keeping them under control. He oversees diverse business operations of the organization spanning Risk, Information Technology, Human Resources and Business Excellence.

He has held various leadership positions in his career of over 25 years in banking and financial services. He has deep expertise in driving enterprise-wide change programs, setting up and scaling up operations, customer experience management, Information Technology and risk management. At RBL Bank, he served on the Management Committee and led the transformation agenda of the bank. He has been associated with leading financial services institutions like Barclays Bank, Abu Dhabi Commercial Bank, ICICI and HSBC in various leadership roles.

Ujual is an alumnus of Indian Institute of Management Bangalore and is a BSc in Physics.