Joint Secretary
Shri Manoj Muttathil Ayyappan holds a Master’s degree in Business Administration (MBA) and had done B.Sc. from Mahatma Gandhi University, Kottayam, Kerala.
Presently, he is posted as Joint Secretary in the Department of Financial Services (DFS), Ministry of Finance, Government of India, New Delhi.
He has rich experience of over 27 Years in Commercial Banking and Business Consulting in the areas of SME lending, Financial Analysis, Trade Finance, Risk Management, Stress Account Management and Credit Operations. He is also the Government Nominee Director in SIDBI, Bank of India, GIC Re and Chairman of NCGTC