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CA Manoj Ramani is a Regional Credit Manager at Indiabulls Housing Finance Ltd, with experience in credit appraisal for retail lending and mortgage operations. Prior to this, CA Manoj worked as a Senior Article Assistant at Sanjay Kalicharan Agarwal & Associates, conducting various audits and tax compliance. Manoj holds a Chartered Accountant degree from The Institute of Chartered Accountants of India.