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Gobalakrishnan M is an experienced financial professional currently serving as Cluster Credit Manager at Tata Capital since December 2024. Prior to this role, Gobalakrishnan held the position of Credit Manager at Ujjivan Small Finance Bank from September 2023 to December 2024 and at Aditya Birla Finance Limited from September 2021 to September 2023. Earlier experience includes roles as Manager at IDFC FIRST Bharat Ltd, focusing on credit management for unsecured business loans, loan against property, and home loans from June 2019 to September 2021, and as Deputy Manager at ICICI Bank, specializing in SME business loan credit underwriting from October 2017 to June 2019. Gobalakrishnan began a career in finance as a Probationary Officer at ICICI Manipal Academy between February 2017 and October 2017. Educational qualifications include a degree in Mechanical Engineering from KLN College of Engineering, completed in 2016.