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M Ramachandran is the Chief Audit & Vigilance Officer at Jana Small Finance Bank. Ram has 41 years of experience in the Banking industry and has exposure to various areas of Risk Management, Audit & Compliance and Vigilance. Prior to joining Jana, Ram worked with HDFC Bank, Vijaya Bank and Corporation Bank in key leadership roles.

Ram holds a Master’s degree in Commerce from Delhi University, a Bachelor’s Degree in Law from Saurashtra University and Diploma in Business Management from All India Management Association.