Mr. R. Balakrishnan is the Executive Vice President for Two-Wheeler & Used Car finance for South & West. He has close to three decades of experience in Retail Sales & Collections and has been associated with Two-Wheeler finance for more than 30 years. Prior to joining Muthoot Capital Services Ltd, he was associated with TVS finance and Integrated Finance. In his previous assignments he has overseen Product Strategy, Sales and Collections for the Retail Business. He heads business development, new market development and new product development at Muthoot Capital services Ltd since 2008. He had a long stint heading Credit, Operations, Risk and Receivables Management at Muthoot Capital services Ltd since 2008. He holds a postgraduate degree in Mathematics and Marketing Management.