List of Authorized Collection and Recovery Agents

DIN: 00044512

Mr. V.P. Nandakumar is a post-graduate in Sci ence with additional qualifications in Banking and Foreign Trade. He started his career with the erstwhile Nedungadi Bank. In 1986, he resigned to take over the family business, following the demise of his father, V.C. Padmanabhan. In 1992, he promoted Manappuram Finance Limited and has been a Director of the Company since then. He is a managing committee member of leading trade and industry associations such as Associated Chambers of Commerce (ASSOCHAM) and Federation of Indian Chambers of Commerce (FICCI). He is also a former Chairman of the Kerala State Council of the CII. He has been associated with our Company since March, 2014

DIN: 03518633

Ms. Pratima Ram is an experienced banker with three decades in Corporate, International, Investment & Retail Banking. She has worked in India, USA and South Africa. Pratima held the position of Country Head & Chief General Manager of the United States Operations of State Bank of India, in New York, and prior to this she was the CEO of the South African operations of the Bank based at Johannesburg. At SBI Capital Markets, she assisted companies in raising funds through capital market instruments and led the Corporate Advisory, M&A, & Project Appraisal business. She also led the training initiatives of SBI as head of the SBI Academy. On leaving the public sector, she joined private sector in the infrastructure and Oil & Gas space as Group President Finance at Punj Lloyd Group having diversified operations then in more than 15 countries and thereafter held the position of CEO and Whole Time Director of India Infoline Finance Ltd. Currently she is holding directorship in various companies as independent director. Pratima graduated from University of Virginia, USA and Bangalore Uni versity

DIN: 08708450

Rajesh is a seasoned financial services executive with over 32 years of experience driving transformative growth, innovation and operational excellence across India’s leading banking and credit bureau institutions.

Most recently, Rajesh served as Managing Director & CEO of Transunion CIBIL Ltd. He was responsible for strategizing and steering their business to support India’s financial ecosystem in navigating sustainable credit growth while managing risk. He led the organization through a period of growth, during which Transunion CIBIL advanced its digital capabilities, strengthened governance and built a scalable IT and risk architecture to meet future demands.

Before joining Transunion CIBIL in 2020, Rajesh served as the Group Head for Retail Credit and Risk at HDFC Bank, where he was a key member of the leadership team. He was responsible for conceptualizing, managing and expanding the bank’s retail credit portfolio—including personal, commercial, vehicle, agriculture, and microfinance loans—alongside overseeing the payments business. Over two decades, his expertise in credit risk management and strategic leadership enabled HDFC Bank to maintain market leading asset quality and credit/fraud loss metrics, while driving sustained double-digit CAGR through resilient risk strategies, embedded analytics in credit decisioning and scaling teams to over 16,000 professionals.

DIN: 05122430

Vijayaraghavan Balaji is a seasoned leader with over three decades of experience across banking, insurance, telecommunications and manufacturing, with a career spanning Finance and Accounting, Customer Service, Operations and Information Technology.

His experience combines financial management, business operations and the application of technology to deliver scalable solutions. Over the years, he has played a role in driving digital adoption, building long-term technology roadmaps, and preparing organizations for large-scale transformation.

Balaji comes across as a sharp, business-oriented technology leader with a strong learning mindset. He has been focussed not only on how technology can be leveraged to deliver outcomes in an efficient manner but to strategically transform all aspects of a Bank right from product innovation, go to market, customer experience, risk management etc. He is not a core technologist but brings a high level of tech savviness through his depth and breadth of experience as the CTO of ICICI bank. Balaji has made a successful transition from Operations and Services to Technology, demonstrating a strong combination of domain expertise and technical acumen.

DIN: 11061803

Ms. Radhika has over 12 years of experience across private equity and consulting. She joined Bain Capital Advisors (India) Private Limited in 2015, where she is currently designated as a principal, focusing on investments in the financial services and consumer verticals.

Prior to joining Bain Capital Advisors (India) Private Limited, Radhika was a business analyst at McKinsey & Co where she worked on several engagements in financial services, health care, and industrials. Prior to this work, she worked as a senior executive at Wockhardt Ltd.

Ms. Radhika has received a Bachelor of Commerce from Podar College of Commerce and Economics and is a Chartered Accountant from the Institute of Chartered Accountants of India.