Udaya Kumar Hebbar
#321Managing Director
61
Age
38y
Exp
14y
Tenure
5/10
Risk
🎓 B.Com · Bhandarkars' College, Kundapura (Karnataka University)
📜 M.Com · Karnataka University
🏛️ None
CompensationTBP
Personality
6
Open
8
Cons
5
Extr
6
Agre
3
Neur
CreditAcc. Gram.
Financial Services · Mid Cap
High Growth · Performance-Driven
About
Udaya Kumar Hebbar is the Managing Director of CreditAcc. Gram., a Mid Cap company in the Financial Services sector with a market cap of ₹18K Cr. A Pragmatic leader with 38 years of experience, he is known for consensus-driven decision-making and organic builder strategy. Demonstrates high operational discipline in scaling microfinance operations while maintaining strict asset quality controls in a high-touch rural lending model.
FAQ
What is Udaya Kumar Hebbar's leadership style?
Udaya Kumar Hebbar is classified as a Pragmatic leader. He is consensus-driven in decision-making, with a nation builder motivation and startup-speed pace of execution.
What is Udaya Kumar Hebbar's educational background?
Udaya Kumar Hebbar holds a B.Com from Bhandarkars' College, Kundapura (Karnataka University) and a M.Com from Karnataka University.
Who is the CEO of CreditAcc. Gram.?
Udaya Kumar Hebbar is the Managing Director of CreditAcc. Gram.. He has been with the company for 14 years and in the current role for 14 years.
Leadership DNA
ArchetypePragmatic
MotivationNation Builder
CrisisSteady Hand
DecisionConsensus-Driven
GrowthOrganic Builder
PeopleInstitution Builder
InnovationFast-Follower
PaceStartup-Speed
PurposeMission-First
CustomerMass-Consumer
EmployerDemanding Machine
BrandTrusted
FocusOperational Excellence
OrientationDeep Specialist
Leadership Evidence
“Demonstrates high operational discipline in scaling microfinance operations while maintaining strict asset quality controls in a high-touch rural lending model.”
⚡ Crisis●●●●○
Hebbar focused on maintaining business continuity and operational stability at CreditAccess Grameen during the pandemic-induced rural credit stress rather than aggressive pivots.
🎯 Motivation●●●○○
He has consistently aligned the company's mission with financial inclusion and rural empowerment, core pillars of India's developmental agenda.
👥 People●●●●○
He has built a robust internal training and development framework that prioritizes grooming rural field officers into leadership roles.
📈 Growth●●●●●
CreditAccess Grameen's growth has been driven primarily by deep-penetration expansion into new rural districts and increasing per-customer credit utilization.
💡 Innovation●●●●○
CreditAccess Grameen excels by scaling the proven Joint Liability Group (JLG) microfinance model with superior digital operational efficiency.
🏃 Pace●●●●○
They maintain an aggressive pace of branch expansion and customer acquisition to maintain their leadership in the competitive microfinance sector.
🌱 Purpose●●●●●
The company's core business model is exclusively dedicated to financial inclusion for women in rural and semi-urban India.
🏷️ Brand●●●●○
They have built deep institutional credibility as a reliable partner for rural households through consistent and transparent lending practices.
🤝 Customer●●●●●
They serve millions of low-income individual borrowers through a widespread network of rural branches.
💼 Employer●●●●○
The microfinance sector is characterized by high-pressure field-based targets and rigorous performance monitoring systems.
📋 Mandate
The firm needs to rapidly scale its rural lending footprint while leveraging technology to manage credit risk effectively.
🏢 Culture●●●●○
Aggressive expansion targets in microfinance paired with strong sales-driven KPI culture for field officers.
Financials
Revenue FY25₹6K Cr
PAT FY25₹531 Cr
Rev CAGR 5Y29.6%
OPM47.5%
NPM9.6%
ROE7.6%
ROCE15.4%
P/E38.3
Fwd P/E12.5
P/B2.6
D/E280.7
Promoter66.3%
Institutional16.9%
Mkt Cap₹18K Cr
Compensation
To Be Published
Data being verified from audited reports
