Mr. Santosh Jacob Karipat is an Executive Director in Financial Control. Mr. Karipat comes with extensive experience in accounting, auditing (internal and external), internal controls and general management advisory services, gained from working for over 20 years with ‘Big Four’ accountancy firms in the UK and the Middle East. Prior to joining VCBank, he was Director, Audit & Advisory Services, with KPMG Bahrain. Previously, he worked with Deloitte & Touche at the firm’s offices in Riyadh and Jeddah, Kingdom of Saudi Arabia, and for Cooper’s & Lybrand in the UK.

A Chartered Accountant (Institute of Chartered Accountants in England & Wales), Mr. Karipat holds a M.Sc. degree in Management Science (specializing in Business Finance) from the University of Manchester Institute of Science and Technology (UMIST), UK.