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Joby is the Chief Executive Officer of Dvara KGFS. Earlier, he was the CEO of Varam, a new-age financial institution with a passionate team & digital capability to offer superior customer experience, robust credit underwriting and efficient risk management. Varam was acquired by Dvara KGFS in April 2019.

In the past, he has served in senior roles with MFIs, Banks and Financial Institutions. He has more than 16 years of experience in the Indian microfinance market. A Chartered Accountant, he 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 with his stint as the Head of Finance, Accounts & Operations at Indian Association for Savings & Credit (IASC).