JAY KANWAL decided to take the road less travelled. After a stint at Standard Chartered Bank, he headed to Bengaluru to manage a small microfinance firm, Janalakshmi Financial Services, which converted to a small finance bank (SFB) in 2017. With over three decades of experience dealing with high-end customers, 58-year-old Kanwal, who is MD & CEO of the SFB, set about laying a new foundation for growth at the lossmaking Jana. In a little
