An enormous amount of opportunity resides in communities that do not have access to the formal ecosystem

Jyotsna Krishnan

Jyotsna joined Elevar in 2011 and leads Elevar’s investing team in India. She believes that “An enormous amount of opportunity resides in communities that do not have access to the formal ecosystem. The very idea of being able to partner with these communities, with their wealth of experience, innovative mindset and resilience, through efficient business models is inspiring.”

Jyotsna has over 15 years of experience in retail financial services, business operations and analytics, and investing in early stage ventures. In particular, she has spent considerable time with low income communities and has translated her admiration for these communities into concrete observations that formed the basis for Elevar’s investments in companies such as Varthana (a lender to affordable private schools), Samunnati (a provider of loans and intermediation services catalyzing agriculture supply chains) and Credit Mantri (a platform enabling lending to those with limited or no credit history), all of whom are providing specialized services to distinct customers who do not have access. Jyotsna currently sits on the boards of WheelsEMI, Origa, Varthana, Credit Mantri and Samunnati. She also works closely with many of Elevar’s portfolio companies particularly when it comes to strategy, customer focus and financing.

Prior to Elevar, Jyotsna was at HSBC and worked across multiple roles in retail banking – including sales, operations, HR, strategy, finance and business intelligence. Jyotsna is a Commerce graduate from Shri Ram College of Commerce, Delhi University and completed her MBA from SP Jain Institute of Management & Research. She is a Chartered Financial Analyst®.

Jyotsna likes to wind down in her free time, by spending time on the simpler joys of life – with family and friends, taking a long walk amidst greenery, listening to music (old favorites) and keeping pace with her hyperactive son.