Umendra Mahla has extensive experience in credit management, currently serving as Area Credit Manager at Finova Capital since January 2018. Responsibilities include creating credit scoring models, evaluating loan requests, calculating interest rates, and ensuring compliance with lending regulations. Prior to this role, Umendra held the position of Assistant Manager at AU Small Finance Bank and worked as an Executive at Lic HFL Financial Services Ltd. Academic qualifications include a Master of Business Administration from Westminster International College and a Bachelor of Computer Applications from the University of Rajasthan.