Management - Board of Directors

Mr. N D Narayanan, Chairman

Mr. N D Narayanan is a Graduate in Economics from Calicut University. Started his career with a pharmaceutical company based out of Bombay in 1978. He has worked in different capacities within the organization. Having worked for a span of more than 30 years with the company, he took a VRS in 2009 from the post of Zonal Head for Southern region. He is a promoter Director of Yogakshemam Loans Limited and has been in the post of Chairman of the company since its inception. He held the post of Chairman & Managing Director from the year 2005 till the end of 2014. Under his effective leadership & full time involvement, the organization flourished with more branches and staff members, keeping the core values of the organization flamboyant.

Having lived through ups and downs of the organization, he has made the necessary interventions keeping in mind the growth of the company and for the benefit of the staff members. He is penetrated to the roots of the ideology that ‘customer is the King and that credibility and transparency are our core values'. He has ardently instilled in each of the family members the need to thrive on it. His vision to take the company to a higher level was manifested with expansion of our products accompanied by introduction of new systems. His positive drive and deep rooted vision was a keen factor for the resulting profitability of the organization in the subsequent period.

Mr. Unnikrishnan I, Managing Director

A fellow member of The Institute of Chartered Accountants of India (ICAI) Mr Unnikrishnan has been on the board of Manappuram Finance Limited since 1997 and was one of the core team members who built that organization. With more than 25 years of industry experience in advising and managing NBFCs, he is credited with bringing the highest among of FDI into the State of Kerala in a single tranche to the extent of Rs 1000 crores. He has also raised not less than Rs 30000 cores on cumulative basis as working capital limits from various banks and financial institutions. He has written articles and presented papers on NBFC's, financial inclusions, etc. on various forums. He has served on the Executive committee of the ‘Finance Companies Association'. He is also one of the founding members of Association of Gold Loan Companies India.

Mr. N D Vijayan, Director

Mr. N D Vijayan is a Graduate in commerce with Diploma in Computer Application. Started his career in the year 1979 with Bank of Baroda, Abu Dhabi. Having served in various posts, ended the services with the organization as Current Account Manager in 1982 and joined with Arab Bank for Investment and Foreign Trade in 1983. He worked in the supervisory roles of almost all the internal departments during the course of service. With more than 30 odd years of service, took VRS in 2011 as Operations-in-charge of IT department with an option to rejoin but decided against.

Mr. Ramachandran Ottapathu, Director

Mr. Ramachandran Ottapathu is a Chartered Accountant and a fellow member of ICAI, Associate member of Botswana Institute of Accountants and certified SAP consultant. He has got 20 years of vast experience in retail industry; handling both finance and operations. He is expert in other areas as well- Manufacturing, Packaging, Milling and Medical distribution. Currently he holds the position of CEO and Director of Choppies Enterprises Ltd, an FMCG Co in African continent. Choppies has a product line of more than 50000 in Botswana and SA. He has worked as the Financial Controller at Apollo Tyres Ltd, Gujarat. He is a Guest Faculty of University of Botswana.

Mr.Santosh Kurup, Director

Mr.Santosh Kurup is a SEBI registered I.A and a  CAIIB from the Indian Institute of Bankers.He is a graduate in BA Economics (Hons.) from St.Stephen’s College and pursued his Post Graduation in M.A from Delhi School of Economics and MBA from prestigious Stern School of Bussiness,New York University.

He has got 3 decades of expertise in Banking, Asset management and Non-Banking Finance. With his rich and vast experience in corporate development and financial sector he has acted in various capacities in India as well as foreign. He served RBI,Mumbai as Assistant General Manager from 1981 to 93. He was The Vice President of Emerging Markets ,JP Morgan based in New York from 1993 to 1996, acted as Director of Emerging Markets, Old Mutual Plc. London and Mumbai from 1996 to 2002 ,worked as an Independent Consultant in India and UK for Edelweiss Bank Project, Edelweiss Financial Services and Pipal Research Corporation.Besides serving our board he is also the Director and substantial shareholder of M/s Kurup Services Pvt.Ltd.

He is a regular blogger on Financial Market Research at He has also shown his interest as a lecturer in economics at St. Stephen’s College,University of Delhi from 1979 to 1981.

Dr. Pushpangadan Mangari, Director

Dr. Pushpangadhan Mangari has a Doctorate in Management from Rajasthan University, Jaipur and MBA Finance from one of the top grade management institutions. He completed advance courses in Mergers & Acquisitions from USA and Financial Derivatives and Mathematics respectively from prestigious institutions in UK CAIIB through Indian Institute of Bankers. He was on the boards of many companies as Non-Executive and Executive Director since 1992. Currently he is working as the Managing Director of ‘Consult Win Solutions Pvt. Ltd’.

He retired as the CEO of L&T Capital Co. Ltd, a 100% subsidiary of Larsen &Toubro (L&T Ltd) and also worked as CIO of L&T General Insurance Company Ltd, post retirement. He worked as the MD of UTI Securities Exchange Ltd (UTISEL), a wholly owned subsidiary of UTI. He worked as the MD of Over the Counter Exchange of India (OTCEI), owned by Indian Public Sector Institutions. On Special assignments, he worked as Member of various committees such as Ministry of Finance, SEBI, FICCI, and BSE, BCCI (Bombay Chamber of Commerce and Industry). He has presented various capital market related papers in India and abroad.

Mr. Anoop Ganapathi, Director

He is a Chartered Accountant with an additional qualification of DISA from ICAI. He is having 20 years of vast experience in banking & Non-banking Finance companies. He is the Director of Hampshire Corporate Solutions (P) Ltd, Thrissur since 2008. He is the partner of Mohandas & Associates, Chartered Accountants, Thrissur since 2003. He has earlier worked with Nedungadi Bank Ltd, Manappuram General Finance & Leasing Ltd and Dhanalaxmi Bank.

Senior Management Team

The day to day affairs of the company are managed by the executive management team headed by Managing Director and Chief Executive Officer Mr. I UnniKrishnan and supported by the Executive Director, Mr. N.DVijayan. The company has other Key Managerial Personnel such as Company Secretary and Chief Financial officer. The brief profile of KMPs/ Senior management team is given below . The profile of MD &CEO and of the ED are given in the Board and Governance structure.

Mr.Rajeshkumar.K, EVP & Company Secretary

He is a graduate in commerce and a rank holder in Company Secretary examination. He also holds a diploma in mediation from Indian Institute of Arbitration and Mediation and is a member of the Chartered Institute of Arbitrators, London. He has industrial experience of more than 20 years in the fields of corporate laws, strategic management and policy matters. He has acquired Diversified industrial exposures in the fields of automobile sales & service industry, manufacturing of service machine, jewellery retail & wholesale, construction and real estate development and financial service sector over the career span. He had worked with major business houses in Kerala such as, Kuttukaran Group, Popular Motors group and Malabar Gold and Manappuram Group in different capacities. Prior to joining with YLL he was the General Manager & Company Secretary of Manappuram Finance Ltd., A ,BSE and NSE listed NBFC with pan India presence. He has contributed articles of professional importance in Chartered Secretary and other professional publications. In addition to the secretarial functions he also oversees the general Management functions of the Company such as ,HR, Administration, Risk & Compliances etc.

Mr. K.A Krishnamurthy, CGM

Mr Krishnamurthy joined State Bank of India as Probationary Officer in 1978 and is a CAIIB from the Indian Institute of Bankers. He has vast and rich experience in banking having handled a variety of posts both operational and administrative. The range of assignments include credit, foreign exchange, treasury and gold banking. He opted for VRS in 2008 while in the grade of Deputy General Manager. Subsequently he has also held a senior position in one of the leading NBFCs heading risk management functions for more than 4 years. Mr Krishnamurthy is heading the credit related functions in the Company.

Mr. Prasad.P, Chief Financial Officer

He is graduate in Commerce and a Chartered Accountant by profession. He has having nearly 12 years of experience in Accounts, finance and taxation in vsrious sectors. He has served as the Chief Financial Officer in one of the leading Public Limited Companies in Kerala. A major portion of his post qualification experience in NBFC ( Manappuram Finance Ltd.) and in Jewellery Retail Sector with Manappuram Jewellers Ltd., Kalyan Jewellers India (Pvt.)Ltd. He is overseeing the Finance, accounts and taxation functions in the company.