Kiran P Francis

Kiran P Francis is Unit Head Co Lending & Digital Assets at South Indian Bank, a position he has held since October 2024, based in Ernakulam, Kerala. In this role, he is responsible for building and executing co-lending models, structuring partnerships with industry players, managing credit assessment frameworks, and identifying co-lending opportunities through market analysis. His mandate covers partnership negotiations, regulatory compliance, and risk management within the co-lending and digital assets function.

Prior to this appointment, Francis served as Cluster Head at South Indian Bank from April 2021 to October 2024, based in Mangaluru, Karnataka, where he managed a book of Rs. 20 billion and led a team of over 60 members across corporate, mid-corporate, retail MSME, and high-net-worth segments. Before that, he held the position of Regional Level Chief Manager for Business Development in Pune from July 2018 to April 2021, overseeing assets, liabilities, and recovery operations across Maharashtra and Goa. His total experience in banking spans 21 years. No educational credentials are stated in the available source content.