Sri Sandeep Panikkal, member.Sandeep Panikkal holds an MBA degree. He is a keen strategist with qualitative experience across the Banking, Microfinance & Development sector. He has worked with a variety of organisations including Karnataka Bank, HDFC Bank, International Commercial Bank, ICICI Bank, DCB Bank, and MicroSave India in a career of over 23 years. Sandeep has also vast experiences of delivering consulting on projects in India and abroad.