K . Sivagar

Sivagar is a dynamic and results-driven finance professional with 14 years of experience in the financial services sector, specializing in credit management, risk management, and strategic financial planning. Currently serving as Assistant General Manager – Credit at Citizens Development Business Finance PLC, he plays a key role in shaping and optimizing credit evaluation, ensuring sustainable growth and risk mitigation.

He is an Associate Member of the Chartered Institute of Management Accountants (CIMA) and a Fellow Member of the Sri Lanka Institute of Credit Management (SLICM), Sivagar brings deep expertise in credit risk management, financial analysis, and regulatory compliance. His ability to design and implement effective credit risk management strategies, strengthen
lending frameworks, and build strong stakeholder relationships has contributed significantly to the company’s operational excellence and financial stability.

Beyond traditional credit management, Sivagar has been a driving force in digital transformation, playing a pivotal role in the company's Robotic Process Automation (RPA) journey. Leading the team in implementing AI-based credit decision-making, he has leveraged emerging technologies to enhance efficiency, accuracy, and innovation in credit assessments.

With a strong analytical mind-set, leadership acumen, and a passion for innovation, Sivagar continues to make a lasting impact in the financial services sector, driving forward-thinking solutions that align with evolving industry trends and regulatory landscapes.