Awanish Singh

About Awanish Singh

I am a results-driven Rural & Microfinance professional with over 17 years of experience in business development, rural lending, and large-scale portfolio management across leading financial institutions in India.Currently, I serve as Senior Regional Manager at L&T Finance Limited, where I lead an unsecured micro-loan portfolio of ₹850+ crore, serving 2+ lakh borrowers through 81 branches across 20 districts of Eastern Uttar Pradesh. My role involves driving regional growth, strengthening credit quality, managing portfolio risk, expanding branch networks, and building high-performing teams while ensuring strong governance and compliance.Previously, I held leadership roles at Ujjivan Small Finance Bank and BASIX, progressing through positions such as Area Manager, Cluster Branch Head, Program Manager, and Branch Head. These roles enabled me to develop deep expertise in rural banking operations, micro-lending, credit appraisal, customer acquisition, and team leadership.I hold an MBA degree from Banaras Hindu University, Varanasi and bring a strong passion for financial inclusion, sustainable rural development, and operational excellence. I am known for my hands-on leadership style, analytical approach to credit risk, and ability to scale businesses responsibly in challenging geographies.

Experience

1. Senior Regional Manager

   L&T Finance

   Oct 2025 — Present · Gorakhpur, IN

   Spearheaded the comprehensive management and growth of a micro-loan portfolio valued at over ₹845 Crore, servicing a base of borrowers across 81 operational branches.Key Responsibilities & Achievements:Regional Strategy & Business Development: Accountable for driving and achieving aggressive business targets for unsecured loans across the entire UP East region. This included strategic oversight of new branch setups, rigorous process adherence, and effective management of the regional loan portfolio\'s risk profile.Target Achievement: Directly responsible for the achievement of monthly, quarterly, and annual sales targets across 81 branches, spanning 4 regions and 20 districts throughout Eastern Uttar Pradesh.Team Leadership & Development: Led, mentored, and developed a multi-tiered hierarchical team, including Territory Managers, Branch Managers, and specialized Process and Sales Managers/Executives.Performance Management: Systematically oversaw team productivity, conducting regular review sessions and training programs to ensure sustained high-performance metrics and adherence to company standards.Talent Retention: Drove proactive initiatives focused on ensuring high staff retention levels and cultivating a motivated, high-engagement workforce across the region.

Education

• Institute of Management Studies, Banaras Hindu University

  Master of Business Administration - MBA, Business, Management, Marketing, and Related Support Services

  2007 — 2009

• Kendriya Vidyalaya

  Junior High/Intermediate/Middle School Education and Teaching

• Harish Chandra Postgraduate (P.G.) College, Varanasi

  Bachelor of Science - BSc, Chemistry, Botany and Zoology