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Shiva Sankaran is an experienced finance professional with extensive expertise in credit management and underwriting. Currently serving as the Regional Credit Manager at Belstar Microfinance Limited since September 2019, Shiva specializes in individual business loans and rural small-scale business financing. Previous roles include Senior Credit Manager at Karur Vysya Bank, where responsibilities encompassed credit underwriting and portfolio monitoring, and Area Credit Manager at HDFC Bank, overseeing loan proposal processing and management. Shiva began the career as an Assistant Credit Manager at Lakshmi Vilas Bank, focusing on Priority Sector Advances and NPA management. Educational qualifications include a Master's degree in Agriculture from Tamil Nadu Agricultural University and a Bachelor's degree in Applied Science from the same institution, complemented by a foundational education at St. Xavier's Hr. Sec. School.