Shri Manoj Ayyappan

Joint Secretary - Department of Financial Services

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.

Shri Manoj Muttathil Ayyappan was appointed as Government of India Nominee Director in Bank of India from 05.08.2024. Earlier, he had worked as Business Head, MSME (SMART Business Segment) in Karur Vysya Bank. He has also worked as Business Head (MSME) with Utkarsh Small Finance Bank. He has rich experience of over 25 Years in SME lending, Financial Analysis, Trade Finance, Risk Management, Stressed Account Management and Credit Operations. Prior to Utkarsh Small Finance Bank, he has worked with Axis Bank Ltd., as Circle Head-Commercial Banking. He also had stints with Accenture Management Consulting, Infosys BPO and Bank of Madura Limited.