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Manish Kumar is a seasoned finance professional with extensive experience in credit and portfolio management across various financial institutions. Currently serving as Cluster Credit Manager at Ujjivan Small Finance Bank since June 2023, Manish oversees operations in the Agra, Mathura, and Aligarh clusters. Prior roles include Territory Portfolio Manager at ICICI Home Finance Company Limited, where responsibilities focused on business enablement and credit risk management, and Manager-Retail Credit at Tata Capital, emphasizing similar goals. Manish's career also encompasses positions at Fullerton India, IIFL Home Loans, Shriram City Union Finance, and HDFC Bank, demonstrating a consistent trajectory in enhancing credit processes and facilitating business growth. Educational qualifications include an MBA in Banking and Financial Support Services from Jaipur National University and specialized courses in financial analysis and credit risk modeling.