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MANIVANNAN P is an experienced finance professional with a strong background in credit management spanning over 17 years. Currently serving as Area Credit Manager at Equitas Small Finance Bank since October 2021, MANIVANNAN has previously held positions as Credit Manager at Axis Bank and L&T Financial Services, as well as Credit Officer roles at HDB Financial Services Ltd., Religare, and Citifinancial Consumer Finance India Ltd. MANIVANNAN holds an MBA in Banking, Corporate, Finance, and Securities Law from Annamalai University and a B.Com in Corporate Secretaryship from Jaya College of Arts & Science.