balaji manivannan
@balajimanivannan
Experienced credit and risk management leader driving policy, process improvement, and sustainable lending growth.
IndiaWhat I'm looking for
I am an experienced credit and risk management professional with extensive experience across banking, NBFCs, MFI and housing finance sectors, leading credit, operations and policy teams to improve portfolio quality and scale business. I have a proven track record in developing risk frameworks, securing regulatory approvals, and implementing process improvements that enhance efficiency and reduce delinquency.
I have led credit and risk functions for organizations managing large AUM, mentored cross-functional teams, and delivered results through data-driven underwriting, early-warning systems and tailored approval processes. I seek to bring strong leadership, analytical rigor and hands-on execution to drive sustainable growth and operational excellence.
Experience
Work history, roles, and key accomplishments
Head – Credit, Risk & Policy
New Opportunity Consultancy Private Limited
Jul 2024 - Present (1 year 3 months)
Lead credit and risk processes for a BC company with ₹3,300 crore AUM across 17 states; developed credit, risk and policy frameworks, enhanced risk assessment systems, and implemented early warning mechanisms to reduce portfolio risk.
VP – Credit, Risk and Operations
La Raksha Impact Finance Enterprise Pvt Ltd.
Oct 2018 - Jun 2024 (5 years 8 months)
Led BC operations for MFI loans across multiple states; drove credit, risk, collections and audit policies, supported NBFC licensing from RBI, built state and central teams and optimized business performance and expenses.
MLSME – State Head
Manappuram Finance Limited
Mar 2018 - Oct 2018 (7 months)
Achieved quality SME business growth in Tamil Nadu by building channel partnerships and vendor networks and implementing credit policy changes to improve loan portfolio quality.
Assistant Vice President & Head – Credit
Swarna Pragati Housing Micro Finance Pvt Ltd.
Jan 2017 - Feb 2018 (1 year 1 month)
Led national credit operations with strict policy compliance, conducted borrower assessments, and trained underwriting teams to enforce credit standards and maintain portfolio quality.
HLDy. Manager – Business Process Reengineering
HDFC Bank Ltd.
Jan 2012 - Dec 2016 (4 years 11 months)
Managed wholesale banking processes and workflows, ensured seamless RTGS/NEFT operations and coordinated with IT/product teams to resolve technical issues and improve operational efficiency.
Credit Manager
Fullerton India Credit Co Ltd.
May 2007 - Dec 2011 (4 years 7 months)
Managed branch credit appraisals, documentation and collections, drove business growth while maintaining portfolio quality and developed credit policies to control delinquency.
Officer – Credit, Operations & MIS
Bajaj Auto Finance Ltd.
Oct 2002 - Apr 2007 (4 years 6 months)
Conducted credit appraisals and loan documentation, managed MIS reporting and supported smooth branch operations to ensure timely loan processing and reporting accuracy.
Education
Degrees, certifications, and relevant coursework
IKIndian Institute of Management Kozhikode
Professional Certificate, Fintech
2024 - 2025
Completed a Professional Certificate Programme in Fintech at IIM Kozhikode during 2024–2025 focusing on fintech concepts and applications.
Siksha 'O' Anusandhan (SMU DDE)
Master of Business Administration, Business Administration
2010 - 2011
Grade: A Grade
Completed a Master of Business Administration through SMU Directorate of Distance Education in 2010–2011 with A Grade.
MUMadurai Kamaraj University
Master of Computer Applications, Computer Applications
2002 - 2004
Completed a Master of Computer Applications from Madurai Kamaraj University between 2002 and 2004.
Karpagam Arts & Science College (Bharathiar University)
Bachelor of Science, Computer Science
1996 - 1999
Completed a Bachelor of Science in Computer Science at Karpagam Arts & Science College affiliated to Bharathiar University from 1996 to 1999.
Lakhotia Computer Centre, Coimbatore
Diploma, Client Server Technology
Completed a Diploma in Client Server Technology covering Visual Basic and Oracle.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Job categories
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