Shri Manoj Muttathil Ayyappan, appointed as a Director on the Board of SIDBI by Govt of India on August 6, 2024. He holds a Master’s degree in Business Administration (MBA) and had done B.Sc. from Mahatma Gandhi University, Kottayam, Kerala. Presently, he is posted as Joint Secretary in the Department of Financial Services (DFS), Ministry of Finance, Government of India, New Delhi. Earlier, he had worked as Business Head, MSME (SMART Business Segment) in Karur Vysya Bank. He has also worked as Business Head (MSME) with Utkarsh Small Finance Bank. He has rich experience of over 25 Years in SME lending, Financial Analysis, Trade Finance, Risk Management, Stress Account Management and Credit Operations. Prior to Utkarsh Small Finance Bank, he worked with Axis Bank Ltd., as Circle Head - Commercial Banking. He also had stints with Accenture Management Consulting, Infosys BPO and Bank of Madura Limited.