Manish Kumar Behera

About Manish Kumar Behera

Product Manager and Process Analyst with ~2 years of experience driving process, risk, and system transformation in the NBFC–Microfinance sector. With a background in Mechanical Engineering and an MBA in Rural Management, I bring a structured, problem-solving approach to complex regulatory and operational challenges.I have taken end-to-end ownership of digital lending, compliance, and governance initiatives, translating RBI regulations into scalable, audit-ready systems. My work has led to measurable operational and risk impact across NBFC operations.What I do and the impact I drive:Led end-to-end redesign of NBFC processes (KYC, e-sign, BC billing, credit bureau reporting), delivering a 96% reduction in operational escalations and faster turnaround timesDefined and executed product roadmaps for LMS/LOS platforms, including migration from E-FIMO to Finpage, ensuring zero regulatory or business disruptionOwned RBI, AML, and KYC compliance, leading internal and external audits (including Deloitte-led BC audits) with 100% audit clearanceDesigned and governed the Business Correspondent (BC) ecosystem for 3 strategic partners, covering onboarding, software integration, agreements, and commission billingImplemented Aadhaar-based e-Sign with a 96% success rate, accelerating loan disbursements and reducing manual documentationStandardized SOPs, policies, and RBI-mandated documentation (KFS, GLA, ILA), improving audit readiness and cross-team executionBeyond execution, I regularly act as the single point of contact between business, compliance, risk, and technology teams, breaking down ambiguous problems into structured solutions and driving alignment across stakeholders.I was promoted to Assistant Manager within six months and recognized with the “Promising Newcomer” award for leadership, ownership, and delivery excellence.I am motivated by roles that sit at the intersection of strategy, risk, and execution, where structured thinking, data-driven decisions, and accountability translate into tangible business and regulatory outcomes.

Experience

1. Product Manager for Business Correspondence

   Midland Microfin Ltd

   Apr 2023 — Present

   Optimized workflows, reducing turnaround times by 30% through process improvements. Developed product roadmaps aligned with RBI regulations, enabling seamless launches and impactful financial solutions. Ensured compliance with RBI, AML, KYC; managed risk screening, rating software, and Deloitte audits, mitigating 95% of compliance risks. Led LMS & LOS migration, testing, QA, and feature rollout, improving user experience and cutting operational errors by 96%. Designed BC partnership frameworks, integrating software and compliance, enhancing partner efficiency by 30%. Conducted audits and KPI tracking for KYC, e-sign, BC billing, and CB submissions, ensuring data accuracy and standardization. Collaborated with cross-functional teams and vendors, accelerating project timelines by 25%. Developed SOPs, guides, and training modules to streamline operations. Conducted TOT sessions and launched LMS-LOS Learning Series, increasing proficiency and adoption by 40%. Managed data scrubbing, risk analysis, and CB submissions, ensuring accurate reporting. Led user research to refine products, improving customer satisfaction by 35%. Executed regional projects, optimized passbooks, and implemented cost-effective modifications, reducing costs by 30%.

Education

• KIIT School of Rural Management

  Master of Business Administration - MBA, rural management

• Modern Public School Balasore

  Ssc and Hsc

• Parala Maharaja Engineering College, Berhampur

  Bachelor of Technology - BTech, Mechanical Engineering

• Parala Maharaja Engineering College, Berhampur

  Bachelor of Technology, Mechanical Engineering

• Coventry University

  Online International Project Management, Collaborative Online International Project Management