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Mrs. Manju Agarwal has over 34 years of banking experience in State Bank of India in leadership positions in India and overseas. Her core expertise and key achievements include Retail Banking, Financial Inclusion, Customer Service and Operations. She led SBI’s partnership with Reliance Industries Limited to set up Jio Payment Bank Ltd. She conceptualized and launched YONO, SBI’s Digital Bank, Financial Superstore & Online market place (one of its kind in the Industry). She headed SBI’s debit card strategy, Merchant Acquiring business, Government business and Transaction Banking Business. She drove process optimization relating to product, service delivery and improved customer experience. She also led SBI’s Jan Dhan program and was associated with setting up of SBI’s Pension Fund Subsidiary in 2007.

She is a Post Graduate from the University of Allahabad, 1978 and an Associate of the Indian Institute of Bankers, 1989.

She is currently serving on the Board of various entities including IFFCO Kisan Finance Limited, Hinduja Leyland Finance Limited, Vistaar Financial Services Private Limited, IndiaIdeas Com Limited and Access Development Services.