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Dharnesh M N is an experienced finance professional currently serving as Cluster Credit Manager at Ujjivan Small Finance Bank since November 2023, overseeing credit underwriting for Central and North Karnataka and managing a team of 13 members focused on the M-Lap product. Prior to this role, Dharnesh spent two years as a Credit Manager at IDFC FIRST Bank, where responsibilities included managing products related to personal loans, business loans, and micro lap. Dharnesh holds a Master of Business Administration in Accounting and Finance from Siddaganga Institute of Technology, Tumakuru, and a Bachelor of Commerce in Accounting and Finance from Sree Siddaganga Degree College.