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Santosh Jha is an experienced financial professional with a background in rural and micro banking. Currently serving as Area Credit Manager at Ujjivan Small Finance Bank since October 2015, Santosh has previously held the position of Cluster Manager focused on microfinance. Prior to this role, Santosh worked as a Deputy Manager at Kotak Mahindra Bank from November 2011 to August 2015. Santosh holds a Master of Business Administration (MBA) in Marketing from Symbiosis Centre for Distance Learning, completed between 2009 and 2011.