Velumani Balathandayutham
Area Credit Manager @Equitas Small Finance Bank
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WORK HISTORY
Area Credit Manager @Equitas Small Finance Bank
Coimbatore, IN
EDUCATION
Henry Harvin Education
Executive lean six sigma Master black belt
Indian Institute of Banking and Finance
JAIIB, Banking
Henry Harvin Education
Certified Six Sigma Executive Master Black Belt , Lean six sigma
Henry Harvin Education
Executive Green Belt, Lean six sigma
Periyar University, Salem
Master of Business Administration, Marketing
Bharathiya Leather Industries
Bachelor of Commerce
Indian Institute of Management, Kozhikode
PCP: New Age Management For Senior Professionals, Executive Management Development Program
Henry Harvin Education
Certified six sigma Executive Black belt, Lean six sigma
Bharathiar University
Bachelor of Commerce - BCom, Business/Commerce, General
Institute of Chartered Accountants of India
CA (Intermediate), Chartered Accountancy
ABOUT VELUMANI BALATHANDAYUTHAM
Results-driven banking professional with 20 + years of experience, including 15+ years in credit, lending, and portfolio management. Handling 40 branches with team size of 60 Members and I am handling the portfolio size of around Rs.2k as of now. Expertise in credit risk assessment, loan underwriting and regulatory compliance across retail and SME segments. Skilled at leading large teams, optimizing credit process, and improving portfolio health. Passionate about driving operational efficiency and ensuring risk-aligned growth.
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