This document contains the curriculum vitae of Ernest Paul Midde, outlining his expertise and experience in microfinance. He has over two decades of experience in microfinance and currently serves as the Founder Secretary and CEO of Saadhana Microfin Society, a nonprofit microfinance organization he started in 2001. Under his leadership, Saadhana has reached over 1.2 lakh poor families with credit and over 1.8 lakh people with insurance, and manages a portfolio of Rs. 600 crores with a staff of over 200. He has received several national awards for Saadhana's success and led the organization to be ranked among the top 50 MFIs worldwide.

1. ERNEST PAUL MIDDE
AREAS OF EXPERTISE
• Strategic Planning
• Finance
• Growth Management &
Business Development
• Audit
• Operational
Management
• Performance
Management
• Administration
• Executive Advisory and
• Decision support
PERSONAL SUMMARY
A Visionary and successful leader with more than two
decades of rich experience in Microfinance. Gifted with the
vision, determination and skills needed for high level revenue
building strategies and tactics. Proven track record of
establishing systems and achieving success with
uncompromising quality standards. Respected as proponent
of integrity and accountability. Consistent record of
delivering growth in terms of operational performance and
profitability. Highly motivated. Efficiently directed cross
functional teams using interactive and motivational leadership
that spurs people to give 110% effort and loyalty. Well
networked and highly successful in implementing business
process improvements, defining Organization’s direction,
achieving goals, change and optimizing systems and
procedures. Consultant, Advisor, Board member in many
organizations in the sector. Attended many National and
International Trainings.
WORK EXPERIENCE
Founder Secretary & CEO, Saadhana Microfin Society from
2001 to till date
With a rich experience in Development sector, started
Saadhana, a not for profit entity in 2001 to uplift the poor.
 Responsible for all financial and fiscal management aspects
of Organization’s operations.
 Provide leadership and coordination in the administrative,
business planning, accounting and budgeting efforts of the
Organization.
 Approve and coordinate changes and improvements in
automated financial and management information systems
for the Organization.
 Coordinate the preparation of financial statements,
financial reports, special analyses, and information
reports.
 Develop and implement finance, accounting, billing, and
auditing procedures.
 Establish and maintain appropriate internal control
Curriculum Vitae (CV) of Ernest Paul Midde

2. EDUCATION &
CREDENTIALS
• EMBA (Executive MBA
in Finance) (2010)
• M.Com – Banking &
Insurance Management
(2001-2003)
• 3 year Diploma in
Electronics &
Communications
Engineering (DECE)
(1984-1987)
PERSONAL SKILLS
• Strong Leadership
• Team Builder
• Innovative
PRFESSIONAL
AFFILIATIONS
• Member, Sa-Dhan
• Member, CSI Trust
Association
safeguards.
Design, assess and strengthen risk management policies,
procedures
KEY ACCOMPLISHMENTS
 Led Saadhana on the path of success, thus bagging the
National awards in the MF sector year after year in
different categories.
 Reached more than 1,20,000 poor and marginalized
families with credit service and more than 1,80,000
people with insurance service.
 Managed a portfolio of Rs. 600 Crores (1050 Million
USD) and staff of more than two hundred.
 Out-performed with some of best performing
organizations in the MF sector by having staff turnover
less than 3%.
 Saadhana was ranked 15th
among top 50 Micro Finance
Institutions in the world and 3rd
place in India listed by
FORBES magazine, which is a rarest roll of honor.
 With a core value of ‘open to learn and share’, organized
Exposure Visits and customized training for more than 72
National & International Organizations.
 Chaired sessions in number of training programs, being a
speaker in many conferences, sharing dais with many
reputed Heads in microfinance sector and as well as
judging the paper presentations in various training
programs.
Playing pivotal role in negotiating with the Govt, RBI and
representing South Indian Chapter of Sa-Dhan Network to
redeem the critical situation of MF in Andhra Pradesh.
KEY SKILLS AND COMPETENCIES
 Decisive and forward thinking, with strong vision and
strategic capability.
 Ability to network and liaise with clients at every level.
Experience of Total Facility Management in hard and soft
services.
 Motivational and credible with highly effective
interpersonal skills.
 Highly committed to quality and innovation.
 Operationally strong, financially aware and commercially
astute.

3. PERSONAL DETAILS
ERNEST PAUL.M
# 117 & 118 M
CENTRAL PLAZA
KURNOOL – 518 002
Andhra Pradesh, South India
Phone : 09490690780
Email :
ernestpaul.midde@gmail.com
DOB: 25-07-1967
Nationality: Indian
Passport No: H3885839
Other Specializations
 Specialized in 'Micro Credit Management' & Since 22
years purely working with Micro Credit Projects.
 Specially trained both at Malaysia and at Bangladesh on
'Grameen Bank Financial System' (GBFS) of Bangladesh.
 Attended various 'Workshops' exclusively related to
micro credit, both as a participant and as a resource
person - within the country and abroad.
 Experienced in setting up 'Grameen Bank' model of
Bangladesh.
 Experienced in Planning, Monitoring & Evaluating
different Development Projects and as well as Micro
Credit Projects.
 Experienced in conducting Workshops & Training’s both
for Staff and Women SHGs.
 Experienced in SBP (Strategic Business Planning) which
includes preparation of the Financial Projections for the
coming 3 to 5 years, preparation of Cash Flow
Statements accordingly, Break Even Analysis of the credit
program and etc.,
EARLIER EMPLOYMENT RECORD
 3 years in Commercial Sector & since 23 years in
Voluntary Sector
REFERENCES
Available on request
(ERNEST PAUL MIDDE)