Shri Manikumar S is a fellow member of the Institute of Cost Accountants of India (FCMA) and holds an MBA in Finance, MS (Banking) and Advanced PG Diploma in Computer Applications. He is also a Certified Associate of the Indian Institute of Banking and Finance. He has more than 3 decades of experience in the Banking and Financial Services space, especially in the areas of decentralized credit planning, financial management, rural innovations, microfinance and financial inclusion, integrated risk management, HR transformation, banking technologies, start-up investments and structuring of new financial products. Shri Manikumar S is currently working as Chief General Manager at National Bank for Agriculture and Rural Development’s (NABARD) Head Office at Mumbai and is heading the Strategic Planning and Product Innovations Department. He is also on the Board of NABSAMRUDDHI Finance Ltd., the NBFC-Subsidiary of NABARD.