Ankit Manchanda
Manager
Mumbai
Summary
- Domain expert in MSME lending and product development with 10+ years of experience at SIDBI, specializing in designing, scaling, and digitizing direct lending products across niche MSME segments.
- Proven track record in Straight Through Processing (STP) products, policy formulation, credit risk enhancement, and end-to-end digital lending transformation.
- Recognized for a hands-on problem-solving approach, ability to handle complex and unstructured policy/product challenges, and for delivering scalable lending solutions aligned with institutional and developmental objectives.
- Progressed through multiple roles in SIDBI across branch banking, central loan processing, and policy & product development, gained comprehensive exposure to the MSME lending ecosystem. Currently leading strategy and innovation at SIDBI.
Overview
2026
2026
years of professional experience
3
3
Certifications
2
2
Languages
Work History
SIDBI
- Handled branch banking operations, MSME credit sourcing, appraisal, and customer engagement.
SIDBI
- Processed and appraised large-value MSME credit proposals, including project and machinery loans. Conducted detailed financial analysis, risk assessment, and policy compliance checks for sanctioning decisions.
SIDBI
01.2019 - Current
- Designed SIDBI’s first Straight Through Processing (STP) product for MSME machinery loans, enabling fully digital, rule-based credit decisioning. Scaled the STP product to ₹2,500 crore+ AUM within 2 years, achieving nil delinquency, setting a benchmark for risk-controlled digital lending.
- Led end-to-end digitization of SIDBI’s lending operations, covering origination, credit assessment, approvals, documentation, and disbursement.
- Conceptualized and developed multiple direct lending products across niche MSME segments to enhance credit access and scalability. Played a key role in policy formulation and refinement for MSME credit products, balancing developmental objectives with credit risk discipline.
- Worked closely with fintechs, technology partners, internal stakeholders, and policymakers to implement scalable digital lending solutions.
Education
Post Graduation Diploma in Banking And Finance - Banking And Finance
Nitte University
Greater Noida 04.2001 -
B. Tech - Electrical And Electronics
Guru Gobind Singh Indraprastha University
04.2001 -
Skills
Digital Lending & STP Product Design
MSME Lending & Development Finance
Financial management
Project and Product management
Credit Policy & Risk Frameworks
End-to-End Loan Lifecycle Digitization
Policy & Strategy
Stakeholder Management
Decision-making
Business & Process Analysis
Certification
JAIIB
Timeline
SIDBI
01.2019 - Current
Post Graduation Diploma in Banking And Finance - Banking And Finance
Nitte University
04.2001 -
B. Tech - Electrical And Electronics
Guru Gobind Singh Indraprastha University
04.2001 -
SIDBI
SIDBI