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Mr. Sajith Jose Kundukulam is a highly accomplished banking and NBFC executive bringing over 23 years of distinguished expertise in banking operations, treasury management, institutional fund mobilisation, and strategic business development. During an extensive tenure at South Indian Bank Ltd. (2001–2023), he served in multiple key leadership capacities, culminating as Chief Manager. Subsequently, he advanced to Muthoot Mini Financiers Ltd. as Treasury Head and Assistant Vice President (AVP), where he successfully spearheaded treasury operations, institutional borrowing arrangements, lender relationship management, and critical resource mobilisation initiatives.