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Balram Malviya is an experienced finance professional currently serving as Area Credit Manager at Hiranandani Financial Services since August 2024. Prior to this role, Balram held the position of Branch Credit Manager at Tyger Home Finance from August 2022 to August 2024. Balram's career in credit management began at Capri Global Capital Ltd., where Balram worked as Assistant Credit Manager and Senior Credit Officer from October 2018 to August 2022. Earlier experience includes a role as Disbursement Officer at AU SMALL FINANCE BANK and a CPA position at ICICI Bank. Balram graduated with a Bachelor of Commerce degree from BioReka University in October 2013.