USAMA KHAN
New Delhi
Summary
Dynamic leader with extensive experience at Sahulat Microfinance Society, excelling in strategic planning and compliance management. Spearheaded the formation of 16 cooperatives, empowering over 80,000 individuals annually. Proven ability in partnership building and program implementation, driving significant growth in financial inclusion and community impact.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Chief Executive Officer (CEO)
Sahulat Microfinance Society
New Delhi
04.2023 - Current
- Directed strategic planning and budgeting in coordination with governing bodies, overseeing annual operations for a non-profit focused on building cooperative credit institutions for underserved communities.
- Led a multidisciplinary team to enhance collaboration with community groups and affiliated cooperatives, ensuring timely delivery of development programs and achieving operational efficiency.
- Managed organizational compliances, including legal, financial, and regulatory requirements, while fostering partnerships with sectoral organizations and academia for research-driven advocacy and performance evaluation.
- Facilitated the formation of 16 new cooperatives across 5 states in the last 2 years, expanding reach and creating social impact for over 80,000 individuals annually through access to finance and livelihood support.
- Supervised research and training departments, guiding the development of financial tools, capacity-building programs, and advisories to optimize cooperative performance and sustainability.
- Engaged in advocacy with regulators in the social, cooperative, and microfinance sectors, contributing to policy discussions on financial inclusion and equitable practices.
- Drove organizational growth, resulting in a network of 62 cooperatives with 121 branches, positively impacting 350,000 beneficiaries as of date.
Deputy Chief Executive Officer (Dy. CEO)
Sahulat Microfinance Society
New Delhi
04.2019 - 03.2023
- Collaborated with the CEO on annual planning, budgeting, and operational strategies for institution building and financial inclusion initiatives.
- Oversaw operations department activities, including cooperative formation, capacity building, and compliance management for affiliated entities.
- Built partnerships with community groups to promote awareness of financial inclusion models, leading to the development of 19 credit cooperatives across 4 states.
- Coordinated advocacy efforts with sectoral organizations on key legislation, such as deposit schemes and taxation laws, ensuring alignment with organizational goals.
- Supervised research department in developing financial instruments and training tools, enhancing cooperative efficiency and borrower support programs.
- Provided hand-holding support to affiliates, aiding in goal achievement, regulatory compliance, and operational scaling, which contributed to regional growth in membership, deposits, and loan disbursements.
- Contributed to financial growth, including a 52% increase in share capital and 51% rise in loan disbursements organization-wide between FY 2016-17 and 2017-18, as part of broader expansion efforts.
Senior Manager
Sahulat Microfinance Society
New Delhi
10.2017 - 03.2019
- Led operations team in implementing community-based programs across 3 states, focusing on group formation and livelihood enhancement for low-income borrowers.
- Supervised governance and compliance structures among affiliated cooperatives, ensuring adherence to applicable laws and benchmarks.
- Facilitated hand-holding for cooperatives in executing skill-development programs, resulting in improved borrower outcomes and program scalability.
- Monitored regional performance metrics, contributing to a 62% membership growth and 46% increase in deposit balances in FY 2017-18 compared to the previous year.
- Coordinated socio-economic surveys and data analysis to inform program design and impact assessment.
Manager - Operations
Sahulat Microfinance Society
New Delhi
06.2016 - 10.2017
- Directed field teams in piloting community group-based projects at 3 locations in Patna and Kolkata, focusing on credit access and skill training.
- Supported the formation of 100 community groups, linking them with financial institutions for credit and organizing 23 training sessions on financial literacy and livelihoods.
- Managed operational workflows, including documentation and reporting, to ensure program effectiveness and stakeholder alignment.
- Contributed to operational expansion, aligning with organizational growth in branches and legal entities as reported in annual reviews.
Deputy Manager - Operations & Research
Sahulat Microfinance Society
New Delhi
01.2013 - 05.2016
- Assisted in project documentation and cooperative formation processes, supporting senior management in strategic initiatives.
- Led socio-economic surveys across multiple locations, including Khajuri Khas, Seelampur (New Delhi), Patna (Bihar), Kolkata (West Bengal), and Malwani (Maharashtra), covering over 1,000 households to gather data for program planning.
- Oversaw financial literacy programs for community groups in 4 states, enhancing participant knowledge and access to resources.
- Contributed to research efforts by coordinating data collection and analysis, informing capacity-building tools and benchmarks.
Management Trainee
Sahulat Microfinance Society
New Delhi
11.2011 - 01.2013
- Prepared documentation for operations, senior management, and regulatory compliance, including acts, rules, bylaws, and benchmarks.
- Supported national consultations and program documentation, gaining foundational experience in operations and administration.
- Assisted in early-stage institution building, contributing to the foundation for later growth in cooperatives and branches.
Team Leader
Human Welfare Foundation
New Delhi
07.2010 - 10.2011
- Led teams in community welfare projects, managing execution and stakeholder coordination to deliver impactful outcomes.
- Focused on program implementation, resource allocation, and performance tracking in a non-profit environment.
Procurement and Marketing Manager
Jardinia
07.2005 - 10.2007
- Company Overview: UAE
- Managed procurement and marketing for mobile devices, engaging with suppliers and retail stores to optimize supply chains.
- Organized promotional activities in malls and convention centers, driving sales and brand visibility.
- Handled business engagements, including negotiations and market analysis, to support company growth.
- UAE
Education
Master of Business Administration (MBA) - Marketing & Rural Development
Uttar Pradesh Technical University
India08.2010
Bachelor of Arts (B.A.) - Economics & English
VBS Purvanchal University
India07.2005
Skills
- Strategic planning
- Compliance management
- Team leadership
- Program implementation
- Budgeting
- Performance monitoring
- Oversight of socio-economic surveys
- Data analysis
- Financial instrument development
- Impact assessment
- Capacity building
- Financial literacy programs
- Livelihood training
- Stakeholder education
- Regulatory engagement
- Partnership building
- Policy representation
- Institution building
- Cooperative formation
- Loan disbursement oversight
- Community empowerment
- MS Office Suite
- Data visualization tools
- Project management software
Websites
Certification
- Certificate in Law & Regulation of Inclusive Finance, University of Luxembourg
- Specialized Training Workshop on Microfinance - Operations, Practices, Outreach
- Online Certificate in Banking & Finance, INCEIF Malaysia
Accomplishments
- Led the creation of 35 credit cooperatives, positively impacting over 150,000 individuals through enhanced financial access and development programs.
- Collaborated on successful advocacy initiatives with sectoral organizations, including representations to parliamentary committees that influenced legislation like the Banning of Unregulated Deposit Schemes Act.
- Onboarded numerous community groups to a unified platform, driving financial inclusion and resulting in 121 cooperative branches across 13 states.
- Oversaw organizational growth, achieving significant increases in key metrics such as 52% in share capital, 62% in membership, and 51% in loan disbursements (FY 2016-17 to 2017-18).
- Implemented community-based programs that linked 100 groups to credit sources and delivered 23 training sessions, fostering sustainable livelihoods.
References
- T Arif Ali, president@sahulat.org
- Dr. Salahuddin Ayyub, ayyubsubhani@gmail.com
- Dr. S M Waiullah, wasism@gmail.com
Languages
- English, Proficient
- Hindi, Proficient
- Urdu, Proficient
Timeline
Chief Executive Officer (CEO)
Sahulat Microfinance Society
04.2023 - Current
Deputy Chief Executive Officer (Dy. CEO)
Sahulat Microfinance Society
04.2019 - 03.2023
Senior Manager
Sahulat Microfinance Society
10.2017 - 03.2019
Manager - Operations
Sahulat Microfinance Society
06.2016 - 10.2017
Deputy Manager - Operations & Research
Sahulat Microfinance Society
01.2013 - 05.2016
Management Trainee
Sahulat Microfinance Society
11.2011 - 01.2013
Team Leader
Human Welfare Foundation
07.2010 - 10.2011
Procurement and Marketing Manager
Jardinia
07.2005 - 10.2007
Master of Business Administration (MBA) - Marketing & Rural Development
Uttar Pradesh Technical University
Bachelor of Arts (B.A.) - Economics & English
VBS Purvanchal University
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