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Manish Babu is an experienced finance professional with a robust background in credit management and risk assessment, currently serving as Manager - Credit & Risk at Netafim Agricultural Financing Agency Pvt Ltd, overseeing MSME working capital and term loans in Rajasthan and Gujarat since July 2022. Prior to this role, Manish held various positions, including Credit Manager at Muthoot Fincorp Ltd where responsibilities included underwriting unsecured MSME loans in Lucknow. Experience also includes Branch Credit Manager positions at Shubham Housing Development Finance Company and HDB Financial Services Ltd, focusing on mortgage and business loans. Earlier roles involved credit assessment at Fullerton India and leadership in the credit department at ICICI Bank. Manish is pursuing a Master's in Business Administration in Finance and holds a Post Graduate Diploma in Rural Development and a Bachelor of Commerce degree.