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Manoharan has over 18 years of Experience in the Housing Finance Industry. He has experience in the Housing Finance Industry across sales, Channel Management, Distribution management, formulation of credit policies, credit appraisals etc. Prior to joining Aptus, he was engaged with Can Fin Homes and Dewan Housing in various capacities across sales, channel management, and credit. He also has thorough exposure to legal and technical frameworks pertaining to housing finance. He is managing a diverse range of operations entailing Business Development, Sales & Marketing, Training and Budgeting. Manoharan holds a Post Graduate Degree in Physics from Calicut University and also has completed a Financial Management certificate course with ICFAI.