Shri Sandeep Varma is an Economist by education, post-graduate in Business Management and Development Banker by profession. Since July 2020, Sh. Varma has been the Chief Executive Officer of CGTMSE, the first guarantee institution in India and one of the largest in the world. He has been instrumental in changing the edifice of CGTMSE by constant innovation and introducing massive end-to-end digitization of processes including enabling APIs with lending aimed at enhancing the “ease of doing business” for them. He joined SIDBI, the apex Financial Institution in India for promotion, financing and development of MSME Sector, in 1991. He has diversified banking exposure of over 30 years in policy formulation and corporate strategy building; SME financing; Venture Capital (Fund of Funds); Human Relations; capacity building; developmental initiatives; etc.