M Kalyanaraman

M Kalyanaraman is an experienced finance and risk management professional with a strong background in banking and consultancy. Notable roles include Chief Risk Officer at City Union Bank Ltd. and Chief Credit Officer at Ujjivan Small Finance Bank Limited, where M Kalyanaraman contributed to enhancing credit portfolios and managing risk. Previous positions hold significance, such as Head of Outreach Banking at Equitas Small Finance Bank and Chief Operating Officer at TVS Credit Services Ltd., focusing on consumer finance strategies. M Kalyanaraman founded Artha Gnanam Catalysts LLP and holds a PGDM in Finance from the Indian Institute of Management, Calcutta, and a B.E. in Electrical & Electronics Engineering from the National Institute of Technology, Tiruchirappalli.