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Joby has been living his entrepreneurial life for the last 5 years at Varam by creating a new age financial institution with a passionate team & digital capability to offer superior customer experience, robust credit underwriting and efficient risk management. Joby has been experimenting an agent driven multiproduct strategy at Varam.

In the past, he has been in senior roles with MFIs, Banks and Financial Institutions. Joby has more than 16 years of experience in Indian microfinance market. A Chartered Account, Joby was earlier the CFO of ESAF Microfinance & Investments Pvt. Ltd., (Now ESAF Small Finance Bank). Prior to that, he was the Vice President at IFMR Capital (Now Northern Arc Capital). In his earlier avatar, he was the Head Global Microfinance – Global Principal Investment and Trading Group (GPITG) at ICICI Bank. His association with Microfinance started as a Head of Finance, Accounts & Operations at Indian Association for Savings & Credit (IASC).