Anuj K. Agarwal

About Anuj K. Agarwal

I am a senior leader with over 35 years of experience across financial services, infrastructure, and social impact, with a strong focus on sustainability, financial inclusion, and large-scale ecosystem building.My career has been defined by the ability to design and scale cost-efficient, high-impact models, while maintaining strong governance, risk discipline, and measurable outcomes.Key areas of experience include:• Digital Financial Inclusion: Designed fully digital, low-cost enrolment journeys, reducing onboarding costs by up to 93% while expanding access at scale• Impact & Sustainability: Scaled social impact programs to ~USD 60 million annually (5x growth) and institutionalized Social Return on Investment (SRoI) as a governance and decision-making framework• Infrastructure & Resilience: Enabled 400% expansion in network scale with ~98% uptime, including in remote and low-reliability environments• Sustainability Strategy: Championed the philosophy of “sustainability as profitability”, aligning ESG initiatives with cost efficiency, resilience, and long-term value creation• Business and Operations: Creating differentiator strategies with efficiency drivers for successI bring a unique cross-sector perspective spanning regulated financial systems, development ecosystems, and infrastructure operations, with the ability to align diverse stakeholders and deliver scalable outcomes.

Experience

1. Key Relationship Head - Government Schemes

   ICICI Bank

   Oct 2023 — Present · Mumbai, IN

Education

• Hans Raj College, Delhi University

  B Sc - Computer Science, Computer Science

  1985 — 1988

• Institute of Management Studies, University of Indore, Indore

  Master of Business Administration - MBA, Finance, General

  1988 — 1990