Satyawrat Vishwas Naik

PUBLIC RELATIONS OFFICER

With a diverse professional background spanning pharmaceuticals, marketing, and public relations, Satyawrat Vishwas Naik brings a wealth of experience to Lokmanya Multi-Purpose Cooperative Society (LMCS). A BSc graduate in Biology and Geology, he started his career as a Medical Representative, progressing to Area Sales Manager and North Karnataka Regional Manager in the pharmaceutical sector. Since 2014, he has been an integral part of LMCS, contributing to various departments, including Marketing and Multipurpose Services.

Currently serving as the Public Relations Officer, Satyawrat plays a key role in event planning, vendor coordination, and strategic communication. His expertise in Marathi and English drafting, along with his vast network through Rotary International and the Masonic Lodge of India, enhances LMCS’s outreach and engagement.

Beyond his corporate achievements, Satyawrat has a strong track record in tourism, having won top booking awards at Quest Tours and achieving a record single-group booking of 297 travelers. At LMCS, he has introduced and successfully executed numerous innovative events and marketing initiatives.

With a keen eye for strategy and relationship-building, Satyawrat continues to strengthen LMCS’s public presence, ensuring impactful connections and long-term brand growth.

Sagar Tayade

MANAGER – BTL

A results-driven marketing professional, Sagar Tayade specializes in crafting and executing targeted Below-the-Line (BTL) marketing strategies that enhance consumer engagement and brand awareness. With 12 years of experience in offline and online marketing, he has successfully led event sponsorships, brand activations, and localized promotions, ensuring maximum ROI and customer impact. His expertise spans direct, experiential, and on-ground marketing, making him a key player in elevating brand visibility and fostering strong customer loyalty.

Armed with an MBA in Marketing and recognized as a Certified Marketing Professional, Sagar has pioneered innovative activation strategies, significantly boosted conversions while achieving a 54% reduction in event marketing costs. His leadership in event organization includes orchestrating musical concerts, Marathi plays, marathons, cybercrime awareness programs, exhibitions, and women empowerment initiatives, among others. His ability to secure sponsorships worth crores has minimized event expenses and maximized brand exposure.

A proven leader, Sagar has mentored regional marketing teams, introduced performance tracking tools, and driven business growth through BTL initiatives. His dedication has earned him prestigious accolades, including the LMCS Euphoria Award (Campaign Conqueror Award) and Star Performer of April 2024 for exceptional campaign planning and execution, a testament to his unwavering commitment to excellence.

Mrs. Amruta Shrihari Shedbalkar

MANAGER – NBD CELL

With 19 years of dedicated service at Lokmanya Multi-Purpose Cooperative Society (LMCS), Amruta Shrihari Shedbalkar has been instrumental in expanding and streamlining financial services. As the Manager of the NBD Cell, she oversees Forex and Inward Money Remittance services, ensuring seamless operations and superior service delivery. Her expertise spans across various financial domains, particularly deposits, insurance, and mutual funds.

Throughout her career, Amruta has played a crucial role in strengthening LMCS’s product offerings. She was a key contributor to setting up the Mutual Fund Department, enhancing investment opportunities for members. Her leadership in foreign exchange and money remittance services has significantly improved efficiency and customer satisfaction.

Her achievements reflect her commitment to excellence. As Branch Manager at Mahantesh Nagar, she led her team to win the Best Branch Award for the Financial Year 2018-19 by achieving the highest deposits. More recently, she was honored at Euphoria 2024 for generating the maximum insurance business at Corporate Office 1 for FY 23-24.

With a strategic mindset and deep industry knowledge, Amruta continues to drive growth and innovation, contributing significantly to LMCS’s financial success and customer-centric approach.

Ujwala Bhaskar Desurkar

SENIOR MANAGER – BRANDING

With 16 years of experience in branding and marketing, Ujwala Bhaskar Desurkar plays a key role in shaping and strengthening the brand identity of Lokmanya Multi-Purpose Cooperative Society (LMCS). As Senior Manager – Branding, she is responsible for developing and executing brand strategies that enhance market presence and drive customer engagement. Her expertise lies in brand positioning, visual identity management, and communication strategies, ensuring consistency and impact across all platforms.

A skilled communicator and negotiator, Ujwala has successfully led high-impact marketing campaigns while efficiently managing cross-functional teams. Her ability to multitask and execute strategic branding initiatives has contributed to the organization's business growth and market reach.

Ujwala's dedication and leadership have been recognized through various accolades. She successfully organized a large-scale Women’s Day event in 2018 for 250 staff members in Goa. Her contributions to revenue generation through LokKalp earned her a special award in 2023. Additionally, she was honored for her exceptional role in vendor resource management at the Euphoria event conducted by HR.

With a passion for brand building and innovation, Ujwala continues to elevate LMCS’s branding initiatives, creating a lasting impact in the cooperative sector.

Malini B. Bali

SENIOR CSR MANAGER

With a passion for social impact and community development, Malini B. Bali leads the Corporate Social Responsibility (CSR) initiatives at Lokmanya Multi-Purpose Cooperative Society (LMCS). She plays a vital role in designing, implementing, and monitoring programs that focus on education, healthcare, infrastructure, and livelihood across 32 adopted villages. Her strategic approach ensures that LMCS’s CSR efforts align with long-term sustainability and community empowerment.

Malini brings a diverse professional background, having previously worked as an Assistant Center Manager at IMS Learning, where she guided and counseled students pursuing MBA and GRE programs. Since joining LMCS in 2010, she has handled multiple portfolios, including HR, Marketing, and Administration, before taking charge of the CSR department in 2022.

Her tenure has been marked by impactful contributions, such as streamlining CSR operations and successfully organizing large-scale events like UNNATI and Rangoli competitions. She also introduced high-performing initiatives like Roupya Mahotsav and UNNATI, which have significantly contributed to the organization’s social outreach.

With her extensive experience, strategic vision, and commitment to making a difference, Malini continues to drive meaningful change, ensuring that LMCS’s CSR initiatives create a lasting positive impact on communities.

Rosario Alex Gama

SENIOR MANAGER – DEPOSIT DEPARTMENT

With 27 years of dedicated service, Rosario Alex Gama has been instrumental in driving deposit growth, ensuring operational efficiency, and fostering a high-performance culture. His expertise lies in deposit data analysis, strategic reporting, and cross-departmental coordination, contributing significantly to organizational success. As a trusted advisor to senior management, he provides key insights that support business decision-making.

In his role at Lokmanya Multi-Purpose Cooperative Society (LMCS), Rosario is responsible for monitoring deposit trends, overseeing Recognition and Rewards programs, and visiting branches across various regions. His ability to motivate teams and maintain seamless coordination between departments has played a crucial role in enhancing overall productivity and service excellence.

A results-driven professional, Rosario has achieved remarkable milestones throughout his career. Promoted to Branch Manager in 2000 at the newly established Nippani branch, he demonstrated exceptional leadership. In 2004, as Branch Manager of Fort Road Branch, he successfully achieved 100% loan recovery, earning a prestigious trophy for his outstanding performance.

With strong motivational skills and a deep understanding of banking operations, Rosario continues to contribute towards strengthening LMCS’s deposit portfolio and achieving new benchmarks in financial growth and customer service.

Sunil Vithal Talwar

SENIOR MANAGER – DEPOSIT DEPARTMENT

With an impressive career spanning 28 years, Sunil Vithal Talwar has played a pivotal role in driving growth and operational excellence in the deposit sector. His expertise lies in deposit data analysis, strategic planning, and performance enhancement, ensuring sustainable business expansion. As a key advisor to senior management, he provides valuable insights that shape organizational strategies.

At Lokmanya Multi-Purpose Cooperative Society (LMCS), Sunil oversees the Recognition and Rewards programs, conducts branch visits across multiple regions, and motivates teams to achieve business objectives. His ability to coordinate seamlessly with cross-functional departments enhances efficiency and contributes to the organization's overall success.

Sunil’s leadership has resulted in remarkable achievements, including a 100% loan recovery rate as a Branch Manager in Hindalga for three consecutive years. His strategic initiatives also led to the opening of 100 RD accounts in a single day, setting a new benchmark during a scheme launch.

With a results-driven approach, strong leadership skills, and a deep understanding of financial operations, Sunil continues to strengthen LMCS’s deposit portfolio. His commitment to excellence and team development makes him a key asset in driving organizational milestones and fostering long-term growth.

Anand S. Kulkarni

HEAD - AUDIT

With 25 years of extensive experience in accounts, finance, and auditing, Anand S. Kulkarni is a seasoned financial professional with a proven track record across multiple industries, including sugar, manufacturing, textiles, biomass power, construction, real estate, automobiles, garments, and hospitality. A CA Inter and M.Com graduate, he brings deep expertise in financial management, strategic planning, budgeting, and business analysis.

Anand joined Lokmanya Multi-Purpose Cooperative Society (LMCS) on October 10, 2024, and currently leads the Audit Department, ensuring financial integrity, compliance, and operational efficiency. Throughout his career, he has held key leadership positions, including CFO, General Manager, AGM of Finance & Accounts, Chief Accountant, and Accounts Officer, playing a pivotal role in shaping financial strategies and optimizing resources.

With a results-driven mindset, Anand is committed to upholding the highest standards of quality, transparency, and financial governance. His strategic approach to audits and risk management helps strengthen LMCS’s financial framework, ensuring long-term success.

A firm believer in continuous improvement and operational excellence, Anand aims to contribute significantly to LMCS’s growth by implementing robust audit processes, risk mitigation strategies, and financial best practices.

Rutuj Raut

HEAD - DIGITAL MARKETING

A seasoned digital marketing leader with over 12 years of experience, Rutuj Raut specializes in developing and executing high-impact marketing strategies. As Head of Digital Marketing at Lokmanya Multi-Purpose Cooperative Society (LMCS), he drives performance marketing, programmatic advertising, social media campaigns, and marketing automation to enhance brand visibility and customer engagement. His expertise spans across SEO, PPC, content marketing, lead nurturing, and e-commerce email marketing, ensuring a data-driven approach to digital growth.

Rutuj has a proven track record of managing and scaling marketing teams, overcoming challenges, and exceeding targets. His technical proficiency includes AI tools, HTML, CSS, SQL databases, and various digital platforms, allowing him to implement innovative marketing solutions effectively.

He holds multiple industry certifications, including Google Ads Apps, Google Analytics Individual Qualification, DV360, SA360, HubSpot Social Media & Email Marketing, Semrush Technical SEO, and Amazon Sponsored Ads Foundations (US). His expertise in tools like Taboola, Trello, SharePoint, Microsoft Teams, and HubSpot, Zoho One, ERP Systems further strengthens his ability to drive digital success.

With a passion for continuous learning and a data-centric mindset, Rutuj is committed to leveraging cutting-edge digital strategies to maximize LMCS’s online presence and business growth.

Sandesh S. Kumtakar

HEAD - MUTUAL FUND

With 13 years of extensive experience in sales, distribution, and channel management, Sandesh S. Kumtakar has built a strong foundation in the mutual fund and equity sectors. His expertise lies in business development, customer relationship management, and market analysis, ensuring that every strategy aligns with evolving industry trends.

At Lokmanya Multi-Purpose Cooperative Society (LMCS), Sandesh oversees mutual fund distribution across Karnataka, Maharashtra, and Goa. His focus is on optimizing distribution networks, enhancing engagement, and driving business growth to achieve organizational objectives. His deep understanding of financial markets and investment strategies allows him to provide valuable insights that support both institutional and retail investors.

Passionate about financial literacy, Sandesh is a firm advocate of the ‘Power of Compounding.’ He takes pride in educating individuals on how disciplined investing can generate long-term wealth across generations. Through his guidance, he encourages people to start their investment journeys and work towards financial independence.

With his strategic vision and dedication, Sandesh continues to contribute to the growth of LMCS’s mutual fund business, empowering clients with investment solutions tailored to their financial aspirations.

Gaurav Oberoi

HEAD – DSA

A seasoned banking professional with 20 years of experience, Gaurav Oberoi specializes in business development, collection management, client relationship management, and risk assessment. His expertise extends to designing and delivering training programs, ensuring operational excellence in the financial sector.

As the Head of the DSA Loan Department at Lokmanya Multi-Purpose Cooperative Society (LMCS), Gaurav plays a crucial role in facilitating customer loan requirements through RBI-approved Banks and NBFCs. By leveraging new-age technologies, he aims to create an inclusive financial ecosystem, bridging the gap between credit-seeking individuals and authentic lenders. With a mission to "help you borrow right," he ensures that customers receive transparent and well-structured financial solutions.

Academically, Gaurav holds a degree from Mumbai University and has further honed his leadership skills through programs in Leadership Foundation and Organizational Leadership at Harvard University. Additionally, he has completed a certified course on Indian Microfinance Operations from the Indian Institute of Banking and Finance, enhancing his expertise in financial inclusion.

With a strategic vision and a customer-centric approach, Gaurav continues to drive innovation and growth in the DSA loan segment, ensuring seamless access to credit for a diverse customer base.

Ms. Sonali Dhande

HEAD - HR

Sonali Dhande joined Lokmanya in March 2024 as the Head of Human Resources. With over 15 years of diverse experience across industries such as Mutual Funds, IT, Real Estate, and the Food Industry, she brings a deep understanding of talent management, employee engagement, and strategic HR initiatives.

Academically, Sonali holds an M.Sc. in Microbiology, a two-year master’s degree in human resources, and a one-year PG Diploma in Business and Corporate Law. She is also an alumna of IIM Indore, adding to her strong leadership and business acumen.

She firmly believes in building a people-centric work culture, where employees are empowered, engaged, and aligned with the organization's vision. She is passionate about driving HR innovations, fostering leadership development, and implementing policies that enhance workplace productivity and employee well-being.

Her contributions to the HR field were recently recognized when she was honoured with the "Pioneering HR Leader of the Year" award, a testament to her dedication and impact in the industry.

Nagesh Vishnu Nalawade

GROUP HEAD - ADVANCES

With over 25 years of experience in banking and financial management, Nagesh Vishnu Nalawade leads the Advances division at Lokmanya Multi-Purpose Cooperative Society (LMCS). His expertise spans across multiple loan verticals, including In-House Loans & Recovery, DSA Loans, Gold Loans, Microfinance Loans, and Litigation. With a strategic approach to risk assessment and recovery, he ensures smooth operations and sustainable growth in the lending sector.

Beginning his career as a CA Article for three years, Nagesh developed a strong foundation in financial planning and compliance. Over the years, he has played a pivotal role in framing various deposit schemes, drafting policy circulars for operations management, and setting up different loan verticals to optimize business efficiency.

A results-driven professional, Nagesh has successfully recovered and closed multiple high-value loan accounts through strategic pressure tactics and legal measures. His expertise in handling court matters related to defaulting loans has strengthened LMCS’s financial stability and compliance framework.

With a deep understanding of banking operations and a proven track record in loan recovery, Nagesh continues to drive operational excellence, ensuring LMCS remains a trusted financial institution for borrowers and stakeholders alike.

Rahul J. Patil

GROUP HEAD - INSURANCE

Rahul J. Patil is a dynamic and results-driven professional with a strong passion for sales. With over 18 years of experience across multiple sectors, he has found his expertise and success in the insurance industry. Throughout his corporate journey, he has excelled in various roles, from frontline sales to strategic planning, consistently delivering outstanding results and achieving key milestones.

As the Group Head – Insurance at Lokmanya Multi-Purpose Cooperative Society (LMCS), Rahul oversees the entire insurance vertical, driving maximum revenue growth. His goal-oriented approach, combined with excellent interpersonal and strategic skills, has significantly contributed to LMCS's impressive success in the insurance sector. Under his leadership, LMCS has strengthened its position as a leading Insurance Corporate Agent within the cooperative sector.

With a commitment to excellence and a deep understanding of the insurance landscape, Rahul continues to drive innovation and business expansion, ensuring sustained growth and value creation for LMCS and its stakeholders.

Mr. Niteen Sinkar

REGIONAL MANAGER, RATNAGIRI

With an extensive career spanning 38 years at the State Bank of India (SBI), Shri. Niteen Manohar Sinkar brings a wealth of experience in banking operations, audit, and risk management. As the Regional Manager for the Ratnagiri region at Lokmanya Multi-Purpose Cooperative Society (LMCS), he is responsible for monitoring and controlling branch functions while motivating staff to achieve corporate goals across various financial parameters.

During his tenure at SBI, he held multiple key positions, with his last nine years dedicated to the Risk-Focused Internal Audit Department, ensuring strict adherence to banking systems and procedures. His expertise in operational risk management, internal controls, and compliance has played a crucial role in maintaining banking excellence.

A distinguished auditor, Shri. Niteen has successfully conducted audits for over 150 SBI branches, including the Antwerp (Belgium) branch. Additionally, he was part of the core team responsible for processing and monitoring audits across Maharashtra and Goa for three years.

With his deep-rooted knowledge of banking regulations and operational efficiency, he continues to drive excellence at LMCS, ensuring strong governance, adherence to policies, and seamless branch operations across the Ratnagiri region.

Shri Ramesh Shirsat

REGIONAL MANAGER, MUMBAI

With over 40 years of extensive banking experience at Syndicate Bank, Mr. Ramesh Shirsat brings exceptional leadership and expertise in financial management. Since joining Lokmanya Multi-Purpose Cooperative Society (LMCS) as the Regional Manager for Mumbai in March 2020, he has played a pivotal role in driving growth and operational excellence.

Under his leadership, the Mumbai region’s deposits have more than doubled, growing from ₹541 crore to ₹1,200 crore. His strategic approach, combined with excellent communication and motivational skills, has inspired staff across all levels to achieve remarkable business milestones.

Mr. Ramesh’s deep understanding of banking operations, customer relationship management, and financial planning has contributed significantly to LMCS’s expansion in the region. His ability to identify growth opportunities and implement effective strategies has strengthened the Society’s market position.

A true leader with a results-driven mindset, Mr. Ramesh continues to focus on driving deposit growth, enhancing team productivity, and ensuring sustained business success. His dedication and expertise make him a vital force behind LMCS’s continued progress in the financial sector.

Shri Pradeep S Patil

REGIONAL MANAGER, KOLHAPUR

With over 38 years of experience at the State Bank of India (SBI), Mr. Pradeep S. Patil has held key managerial roles across Sangli, Kolhapur, Mumbai, and Thane, specializing in agriculture finance, personal banking, and foreign exchange. His extensive expertise in banking operations, customer relations, and financial growth has contributed significantly to every organization he has been a part of.

Since joining Lokmanya Multi-Purpose Cooperative Society (LMCS) four years ago, Mr. Pradeep has played a crucial role at the regional office level, working tirelessly to enhance LMCS’s reputation and business growth. His efforts have strengthened the organization’s presence in society, ensuring continued progress and customer trust.

A recipient of multiple awards and recognitions during his tenure at SBI and LMCS, he has consistently been instrumental in driving organizational success. As a proud CGM Club Member, he achieved significant milestones, including generating a substantial amount of life insurance premiums. His dedication to asset management, business expansion, and customer service excellence has been a key factor in LMCS’s sustained growth.

With his leadership and commitment, Mr. Pradeep continues to drive innovation and progress, ensuring LMCS remains a trusted financial institution.

Shri Sudatta Pathak

REGIONAL MANAGER, SANGLI

With an extensive 38-year career in banking, Shri. Sudatta Shriram Pathak brings a wealth of expertise in advances, agricultural finance, community banking, branch management, and administration. Having served in Bank of India in key leadership positions—including Manager, Senior Manager, Lead District Manager, Chief Manager, and Assistant General Manager—he has worked across Maharashtra, Gujarat, and Madhya Pradesh, handling large-scale banking operations and strategic growth initiatives.

Since joining Lokmanya Multi-Purpose Cooperative Society (LMCS) as Regional Manager – Sangli Region eight years ago, Shri. Sudatta has been instrumental in driving business growth, deposit mobilization, and expansion across insurance, mutual funds, and DSA loans. He plays a crucial role in achieving top management goals while fostering a disciplined and collaborative work environment.

His leadership has been widely recognized, earning him multiple accolades, including:
✔Best Officer Award – Bank of India
✔Best Lead District Manager Award – Bank of India
✔Recognition for NPA Recovery – Bank of India
✔Best Performance Award for Insurance, Mutual Fund, and LWA Business – LMCS

With his strategic vision, financial expertise, and strong leadership, Shri. Sudatta continues to contribute to LMCS’s success, ensuring steady regional growth and operational excellence.

Shri Santosh Bagale

REGIONAL MANAGER, NASHIK

With 34 years of extensive banking experience, Santosh D. Bagale brings a wealth of expertise in corporate finance, treasury operations, retail credit, agricultural finance, MSME credit, risk management, and compliance. A seasoned banking professional, he retired as Deputy General Manager from Syndicate Bank in May 2019 after serving in key leadership roles across multiple locations, including Ghaziabad, Mumbai, Pune, Nagpur, Nashik, and Malegaon.

Currently serving as Regional Manager – Nashik at Lokmanya Multi-Purpose Cooperative Society (LMCS), Santosh oversees regional banking operations, credit management, loan recovery, and strategic financial planning. His ability to drive growth, ensure compliance, and optimize financial performance has significantly contributed to LMCS’s success.

Throughout his career, he has held prestigious roles, including serving as a member of the Internal Interview Committee at Syndicate Bank for 10 years, up to the level of Chief Manager. His expertise has also been recognized at national financial forums, having participated in the FEDAI Conference (Hungary, 2017) and the FIMMDA Conference (Mumbai & Jaipur), both chaired by former RBI Governor Mr. Raghuram Rajan.

With a strong focus on financial governance, risk assessment, and team leadership, Santosh continues to play a pivotal role in strengthening LMCS’s market position and operational excellence.

Shri Balasaheb Pandav

REGIONAL MANAGER, SAWANTWADI

With over 40 years of banking experience, Balasaheb N. Pandav brings deep expertise in financial management, MSME advances, and forex banking. Since joining Lokmanya Multi-Purpose Cooperative Society (LMCS) as Regional Manager for the Sawantwadi Region on May 2, 2023, he has been overseeing 17 branches, driving business growth, and ensuring the achievement of annual targets across all segments.

A former Chief Manager at the State Bank of India (SBI), Balasaheb has held key leadership roles, including Assistant General Manager at SBI Ahmedabad Main Branch and the Regional Business Office in Kolhapur. His expertise spans MSME advances (20+ years), audit operations (6 years), and general & forex banking (10–14 years). He holds a B.A. (Hons.) degree and is a Certified Associate of the Indian Institute of Bankers (CAIIB).

Under his leadership, the Sawantwadi Region has demonstrated remarkable growth. In the financial year 2023-24, the region achieved an 82% increase in deposits, generated ₹0.98 crore in insurance business, and recorded a 50% rise in new account openings.

With a strategic vision and an unwavering commitment to excellence, Balasaheb continues to drive operational success and strengthen LMCS’s market presence.

Shri M. N. Kulkarni

REGIONAL MANAGER, BELGAUM

With an extensive banking career spanning over 47 years, Madhukar N. Kulkarni has been a pillar of leadership and financial expertise. Since joining Lokmanya Multi-Purpose Cooperative Society (LMCS) as the Regional Manager for the Belgaum Region on June 25, 2018, he has been at the helm of 37 branches and a Regional Office, leading a workforce of over 242 employees.

A postgraduate in science, Madhukar previously served Union Bank of India for 40 years in various managerial roles before bringing his vast experience to LMCS. Over the past six years, he has played a critical role in driving deposit growth and strengthening the organization’s financial position.

Under his leadership, the Belgaum Region’s deposits have grown from ₹710.25 crore to ₹1,303.36 crore, marking an impressive increase of ₹593.11 crore. Despite a significant drop in deposits in November 2019, where the region saw a decline of ₹120 crore, Madhukar successfully led a remarkable turnaround, adding ₹567 crore and restoring financial stability.

With a strategic mindset and a deep understanding of banking operations, Madhukar continues to steer LMCS towards sustained growth, ensuring excellence in financial management and customer service.

Shri Dominic Dsouza

REGIONAL MANAGER, MARGOA

With over 20 years of experience in banking and financial services, Dominic Sunil D’Souza is a results-driven professional specializing in business operations, profitability enhancement, and team development. Currently serving as a Regional Manager at Lokmanya Multi-Purpose Cooperative Society (LMCS), he is responsible for driving revenue growth, ensuring compliance, and optimizing regional performance.

Throughout his career, Dominic has held key leadership positions at renowned financial institutions, including Axis Bank, ICICI Bank, HDFC Bank, and Model Co-op Bank. His expertise spans banking operations, customer relationship management, business development, financial compliance, and risk assessment. He has successfully led teams in achieving sales targets across loans, deposits, insurance, mutual funds, and forex services.

Adept at stakeholder management and strategic planning, Dominic has played a crucial role in training, mentoring, and developing high-performing teams. His ability to drive operational efficiency while maintaining regulatory standards has consistently delivered strong business results.

He holds a PGDM in Finance from Fostiima Business School, Mumbai, and multiple industry certifications, including IRDA, NISM Mutual Funds, and AML/KYC compliance. With a deep passion for financial excellence, Dominic continues to contribute to LMCS’s mission of providing superior banking solutions.

Shri Agnelo Carvalho

REGIONAL MANAGER, MAPUSA

With an illustrious career spanning 38 years in the banking sector, Mr. Agnelo Santos Carvalho brings a wealth of expertise in banking operations, marketing, training, and administration. As the Regional Head for North Goa at Lokmanya Multi-Purpose Cooperative Society (LMCS), he is responsible for developing and executing business strategies, overseeing branch operations, and driving regional growth. His role also involves strengthening relationships with key customers, corporate clients, and stakeholders while ensuring compliance with the Society’s policies and regulations.

Before joining LMCS, Mr. Agnelo served as an Assistant General Manager at the State Bank of India (SBI), where he held multiple leadership roles. His experience includes a decade of managing small, medium, and large branches, six years as a training manager, five years leading marketing initiatives, and four years handling administration at SBI’s Corporate Centre in Nariman Point.

Renowned for his leadership, marketing, and training skills, Mr. Agnelo was honored as the Best Trainer in Maharashtra Circle. His ability to drive business expansion, improve financial performance, and foster strong client relationships makes him a key asset in LMCS’s continued growth and success.

Shri Kumar Priolkar

ZONAL MANAGER, GOA

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Shri Sushil S. Jadhav

ZONAL MANAGER, PUNE

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Sudha Lokhande

Head of Human Resources

Sonali Dhande joined Lokmanya in March 2024 as the Head of Human Resources. With over 15 years of diverse experience across industries such as Mutual Funds, IT, Real Estate, and the Food Industry, she brings a deep understanding of talent management, employee engagement, and strategic HR initiatives.

She holds an M.Sc. in Microbiology, a two-year master’s in HR, a PG Diploma in Corporate Law, and is an alumna of IIM Indore.

She recently received the "Pioneering HR Leader of the Year" award.