Board of Directors


Mrs. Latha Pandiarajan

Mrs. Latha Pandiarajan is a finance professional with over two decades of diverse experience. She is the Co-Founder of Ma Foi Management Consultants P Ltd and is the Promoter and Managing Director of Varam, primary driving force behind the vision of the Company.


Mr. Joby CO

Mr. Joby is a Chartered Accountant by Qualification. He has spent most of his career in microfinance in India and abroad. Prior to his move to Varam he was CFO of ESAF Microfinance, the largest MFI in Kerala, a founding member of IFMR Trust, a lender at ICICI Bank and a grass root banker at the HDFC promoted Indian Association for Savings and Credit. At Varam, Joby is building and leading a motivated team in exploring the marketplace and creating a niche space for the company.


Mr. Balasubramanian

Mr. Balasubramanian is a senior banker who has served as the Chairman of Small Industries Development Bank of India (SIDBI), Chairman of IFCI and was associated with Bank of Baroda for a total period of 33 years. He was also associated with planning commission in preparing 5 years plan documents, focused on SME Financing as Chairman of the Sub-Committee, instrumental in starting rating agency – SMERA.

NT Arun Kumar 2

N T Arunkumar

Arun is a composite business-technology leader with 25 years of experience across industries, predominantly in Banking & Financial services vertical with deep expertise in digital & FinTech. He was the Global MD and India Board Member in UBS AG’s Group Corporate Services the last 6 years, post his stint with D&B as CEO & Board Director of its global analytics & technology JV. A Ph.D Candidate (AI/FinTech) currently, Arun also serves as Director in the Board of a Tata group company overseeing digital transformation services, as Strategic Advisor in technology startups, Advisor/Faculty in top Universities and as a Special Representative of CM of Andhra Pradesh’s mission on FinTech & Digital.