Manish Rathi

Manish Rathi

A Chartered Accountant and a driven CFA Level 3 candidate, Manish is a dynamic leader who thrives on growth and innovation. Under his astute guidance, the company has broken its own records, achieving the highest ever top line and PAT with an impressive growth rate. Furthermore, because of his unwavering commitment, the company’s balance sheet has grown by a staggering 50% in just one year, a feat that few thought possible. Also, under his stewardship, MCFL has become a preferred employer in the highly competitive BFSI sector, setting the standard for excellence in human resource management.

Manish has revolutionised the way gold loans are availed. By leveraging its cutting-edge mobile application, MCFL has introduced a hassle-free door-to-door service, bringing convenience to customers. This state-of-the-art process is fully digitised and automated, ensuring accuracy and reliability every step of the way. Customers can even keep tabs on the movement of their precious gold, as it is expertly handled by the company’s trusted employees. With this innovative approach, the company has set a new benchmark in the gold loan industry.


Despite coming from a small town with limited English language and computer skills, Manish has excelled with his determination, perseverance, ethical conduct, and a hunger to learn and grow. The positive attitude to succeed enabled him to secure his first corporate job soon after completing his CA degree, in his very first interview, in Mumbai. One of the notable highlights of his career was his successful corporate tie-up with Multi Commodity Exchange of India – the second largest commodity exchange in India and the largest in terms of bullion exchange – at the young age of 25. Additionally, his illustrious career saw him rise to the position of CEO of a listed NBFC, at the age of 38.


As an effective leader, Manish recognises the importance of adapting his leadership style to suit different situations. In general, he places great emphasis on empathy, delegation, employee insights, coaching and training, and empowerment. His overarching goal is to develop the next generation of leaders and foster a culture of trust, empathy, and an ownership mindset within the company. He firmly believes in the “do more, earn more” concept, and instils a strong work ethic in his team members. These values and approaches enable him to lead his team with effectiveness and achieve sustained success.


Manish’s introduction of a state-of-the-art, customised CRM system has revolutionised the way the company interacts with its customers. This innovative technology has enabled MCFL to minimise customer queries and complaints, an impressive feat given that the company operates in the field of lending, where interactions with people are paramount. Due to his customer-centric approach, the company has achieved a remarkable 100% reduction in customer complaints over the past 12 months, with only one complaint raised to the regulator.

Under his leadership, MCFL has garnered prestigious accolades and industry recognition. It was recognised with the “Best Lending NBFC for SME of the Year” at the 4th Annual India NBFC Summit & Awards 2022, hosted by the SYNEX Group.