Shivram Janapareddy is an experienced banking and finance professional with a focus on gold loans and business development. Currently serving as State Head for AP and Telangana at IDFC FIRST Bank since September 2023, Shivram previously held the position of Regional Head for Gold Loans at SBFC Finance Limited. Other roles include Head of Business Development at JK BUSINESS SOLUTIONS and various positions in leading banks such as DCB Bank and ICICI Bank. Shivram's expertise encompasses sales management, operational efficiency, compliance, and portfolio management, supported by an MBA in Marketing from Sikkim Manipal University and a Bachelor of Commerce from Government Arts College, Rajahmundry.