Mr. Manu Yeshpal Singh is an accomplished business leader with over two decades of experience in retail lending, housing finance, and consumer banking, spanning Kotak Mahindra Bank, Tata Capital, ICICI Bank, and Tata Motors. His career reflects a unique blend of operational depth, strategic leadership, and P&L accountability across diverse financial products. He served as the President & Business Head for Housing Finance at Kotak Mahindra Bank, overseeing a ~ 70,000 crore franchise, driving both growth and profitability across the secured lending spectrum. He was elevated twice in five years, most recently in 2024 underscoring his performance and leadership impact. In his earlier stint as Business Head for Salaried Personal Loans at Kotak, he led the business from a 4,000 crore to 12,000 crore book, delivering a threefold scale-up while maintaining strong portfolio quality. His track record demonstrates sharp execution, digital enablement, and deep market understanding. Prior to Kotak, Mr. Singh spent over a decade at Tata Capital, where he built and led large retail portfolios across vehicle loans, business loans, and mortgages, with his last mandate managing an ~ 8,000 crore Personal Loans and Business Loans book. His responsibilities spanned retail lending products such as auto loans, two-wheeler loans, consumer durables, commercial vehicle finance, and later expanded to business loans, home loans, and home equity. He also drove product development, institutional partnerships, and digital initiatives. Earlier at ICICI Bank, Mr. Singh rose rapidly to become the youngest AGM, managing product and inventory funding for two-wheeler loans – handling ~ 3,000 crore in monthly inventory funding to OEMs His early years built his grounding in credit, distribution, and portfolio management fundamentals. Known for his strong business acumen and adherence to regulatory standards, Mr. Singh has consistently delivered growth while maintaining robust risk frameworks. He is deeply engaged with market dynamics, often spending time in the field to stay close to customers and distribution networks. His leadership style combines strategic vision with operational rigor, making him a key driver of transformation in retail lending.