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Unnikrishnan T P is a seasoned professional with extensive experience in the financial services sector, currently serving as Senior Vice President & Head of Gold Loan at DBS Bank since September 2022. Prior to this, Unnikrishnan held the position of Head - Gold Loan & Business Development at CSB Bank Limited from April 2018 to September 2022. Previous roles include Deputy General Manager at Manappuram Finance Limited, AVP Sales & Marketing at Muthoot Fincorp Ltd., and Territory Manager at HDFC Life, among others. Unnikrishnan has demonstrated a strong capacity for business development and expansion, successfully scaling branch networks and enhancing profitability across various regions in India. Unnikrishnan holds a Bachelor's degree in Economics from Sri C Achutha Menon Gov. College and an MBA in Marketing & HR from Sikkim Manipal University.