Management Team


Latha Pandiarajan

Managing Director (MD)

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


Joby C O

Chief Executive Officer (CEO)

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 & leading a motivated team in exploring the marketplace and creating a niche space for the company.


Shyam Patro

Chief Operating Officer (COO)

Mr. Shyam comes to Varam Capital with thorough professional experience in rural financial services and brings deep knowledge of a variety of financial products including microfinance, micro-enterprise, micro-insurance, alternate energy solutions and group lending aiming towards financial inclusion. Most recently, Shyam was a Director – Portfolio Management in Simpa Energy India Pvt. Ltd. Prior to that, Shyam has been actively involved with Microfinance Institutions like Mimo Finance, SKS Microfinance and Tata AIG (Micro-insurance), leading on geographical expansion, crafting creative solutions for new products and Portfolio management. He had been instrumental in the operational restructuring, Strategic alliances, promoting the financial literacy and client protection measures. Shyam brings 10 years’ experience of building and managing rural operations into rural areas across North and Central India (UP & UK, MP & CG, Rajasthan, Haryana, HP, MP, Maharashtra, Orissa and Andhra). He is a Post Graduate from IIFM (Indian Institute of Forest Management) Bhopal.


Satish Ayyaswami

Chief Technology Officer (CTO)

Mr. Satish has 15+ years of experience, building and scaling technology solutions targeting consumers and enterprises. Satish graduated with a Master’s degree in Electrical Engineering & Computer Science from University of Toledo, Ohio, US. He started his career at a start-up in the San Francisco Bay Area, subsequently worked with large technology organisations such as HP. He has spent the majority of his time building offshore engineering teams for US based companies. A hands-on engineer, who loves creating frameworks and tools that improve software engineers’ and data scientists’ productivity and help businesses become more effective and efficient. When he is not thinking about technology he enjoys nurturing happy customers.


Arun S Seethamraju

Head - Digital Strategy, Product Design & Branding

Mr. Arun has over 8 years of experience in financial solutions for low income households. He holds an MBA degree in International management from Cardiff School of Management, Wales, UK and is an engineer from Anna University, Chennai. Prior to joining Varam, Arun was associated with Micro Pension Foundation, Basix Sub-K iTransactions and IFMR Rural Finance.


Ravirajan M

Head - Internal Audit (TN)

Mr. Ravirajan has over 25 years of experience in Accounts & Audit and has extensively worked in various industries. He spent 6 Years in MFI managing the internal audit. He started his career with C.A Article ship as External Audit. He was then associated with Chellappa & Co, Hotel Agasthiya Pvt Ltd at Madurai. Prior to joining Varam, he was associated Butterfly Industries.


A. Varadharajan

Senior Manager - Technology Operations & MIS

Mr. Varadharajan is an M.C.A and over 8 years of experience in IT. With close to 6 years exposure in the development sector, Varadharajan controls the complete IT operations at Varam. Prior to joining Varam, Varadharajan was associated with SMILE Microfinance.

Prasanth - Copy

Prasanth K G

Sr. Manager – Finance

Mr. Prasanth K G holds a post graduation from IIM, Rohtak and comes with professional experience in Fund raising within the Micro finance space.
Prior joining us he was with Saija Finance Pvt. Ltd.



Sr.Manager - HR

Mr.Sedhurajkumar holds a MSW-HR, PG from Madras School of Social work, Egmore and comes with 10+ years of professional experience in entire gamut of HR. Prior to joining Varam, Sedhu was associated with RPG, Future Value Retail Ltd, Lifestyle International and Ltd.