Siddu Ghanti

Result-oriented Financial Services Professional with 15 years of extensive experience in Microfinance (MFI) and Retail Loan operations. Proven track record in team leadership, business development, and credit management across multiple regions in Karnataka. Adept at driving business growth, managing large teams, and fostering key stakeholder relationships to achieve organizational targets.

Awarded Best Branch

Manager for South Zone Topper for outstanding performance. Highly motivated and experienced Internal Review and Audit Compliance professional with a proven track record of success in developing and implementing effective internal audit programs. Possesses a deep understanding of financial reporting, internal controls, risk management, and compliance requirements.

Demonstrated ability to lead and manage complex audit engagements, investigate financial irregularities, and provide consulting and advisory services on risk management and internal control matters.

Unit Manager - SMFG India Credit Company Ltd. - Kalaburagi

(2024-02 - 2026-05)

• Manage and oversee Retail Loan operations for the Kalaburagi City region.
• Direct and mentor a high-performing team of over 16 Loan Officers to achieve disbursement targets.
• Conduct daily morning alignment meetings with the Sales Network Team to streamline field activities.
• Coordinate closely with Loan Officers to optimize field performance, maximize productivity, and drive incentive realization.

Branch Manager - Belstar Microfinance Ltd.

(2023-11 - 2024-01)

• Managed day-to-day branch operations, portfolio quality and credit risk assessment.
• Led a dedicated team of field staff to ensure smooth credit delivery and high recovery rates.

Branch Manager - Bharat Financial Inclusion Limited (IndusInd Bank) - Kalaburagi

(2019-01 - 2024-02)

• Spearheaded branch growth strategies, compliance, and overall portfolio health across key cities including Mysore, Hassan, Mandya, and Kalaburagi.
• Recognized as the South Zone Topper / Best Branch Manager.

Assistant Branch Manager - Bharat Financial Inclusion Limited (IndusInd Bank)

(2016-01)

• Supported branch operations, audit compliance, and staff training.

Customer Relationship Manager (Gold Loan) - Bharat Financial Inclusion Limited (IndusInd Bank)

(2013-01)

• Managed appraisal, disbursement, and safe custody operations for the Gold Loan portfolio.

Field Assistant - Bharat Financial Inclusion Limited (IndusInd Bank)

(2010-01 - 2018-05)

• Handled ground-level customer sourcing, group formation, and loan collections.

ITI - Electracation - PS Chowdhury (2006-01)