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FCA Umesh Pandey currently serves as an Independent Director at The Jammu & Kashmir Bank Limited, where responsibilities include chairing the Risk Committee and participating in various committees such as Audit, Serious Fraud, and CSR & ESG. With over 30 years of experience, Umesh Pandey has been a Senior Partner at B M Chatrath & Co, Chartered Accountants, overseeing taxation, auditing, and regulatory compliance across India with a team of 300 executives, while also engaging with various industry committees. Previously, Umesh Pandey held independent director positions at Engineers India Limited and Tourism Finance Corporation of India, contributing to corporate governance as chair of multiple audit committees. Umesh Pandey is a Chartered Accountant, having completed education at The Institute of Chartered Accountants of India.