---
title: "BINU MARIAM VARGHESE - Branch Manager in Kerala | Tal"
description: "Meet BINU MARIAM VARGHESE, Branch Manager | Credit & NBFC Operations | Retail & SME Lending | Credit Appraisal | Portfolio & Risk Management based in Kerala."
image: "https://tal.club/meet/binu-mariam/share-image"
---

# BINU MARIAM VARGHESE on Tal

## Headline

Branch Manager \| Credit & NBFC Operations \| Retail & SME Lending \| Credit Appraisal \| Portfolio & Risk Management

## About

Finance professional with 7\+ years of experience in the NBFC sector, specializing in branch operations, credit appraisal, loan processing, portfolio management, compliance, and team leadership\. Most recently worked as a Branch Manager, managing end\-to\-end branch operations including retail and SME lending, target achievement, risk control, NPA management, MIS reporting, and regulatory compliance\. Known for driving business growth, improving asset quality, and maintaining high customer satisfaction, while ensuring adherence to internal policies and regulatory guidelines\. Currently in a planned career transition and actively seeking opportunities in Banking, Credit, Risk, Operations, or FinTech roles, where I can contribute my expertise to organizational growth and long\-term success\.

## Location

Kerala

## Work experience

Branch Manager at Richmax Group, Aug 2023 \- Apr 2024 · 9 mos, Thiruvananthapuram, Kerala, India

Branch Manager at THAZHAYIL NIDHI LIMITED, Apr 2021 \- Nov 2022 · 1 yr 8 mos

Assistant Manager at Nidhi PVT Ltd, Apr 2017 \- Apr 2021 · 4 yrs 1 mo

Branch Assistant at Nidhi PVT Ltd, Nov 2016 \- Apr 2017 · 6 mos, kerala,india

## Education

Master of Business Administration \- MBA, FINANCE, Annamalai university

Master of commerce, Accounts and law, St\.john's college agra

[View the original profile](https://tal.club/meet/binu-mariam)

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