KRISHNAKUMAR M
Bengaluru
Summary
Analytical and detail-oriented professional experienced in risk assessment and decision-making. Demonstrates expertise in financial data analysis and a deep understanding of market trends. Proficient in utilizing underwriting software and solving complex problems. Committed to driving sound financial decisions and contributing to organizational success.
Overview
9
9
years of professional experience
1
1
Certification
1
1
year of post-secondary education
Work History
Senior Underwriter
PayPal
Bengaluru, India (Remote)
09.2022 - Current
- Performed credit underwriting for large enterprise merchants, managing high exposure and complex risk cases.
- Conducted periodic credit reviews and ongoing due diligence to manage the portfolio and mitigate potential losses.
- Estimated risk exposures to PayPal from sellers using reasonable assumptions and assessed the need for risk mitigation measures.
- Analyzed and interpreted financial statements to assess merchants' financial health and its impact on PayPal's risk and seller relationships.
- Analyzed and interpreted merchant and industry business models, credit reports, and merchant processing history to assess risk.
- Developed comprehensive insights on PayPal risk and seller relationships.
- Identified functional gaps, proposed effective workarounds, and pinpointed potential areas for development.
- Handled escalations from merchants and internal teams, taking ownership of issues and providing effective solutions.
Cluster Credit Manager
IDFC FIRST Bharat
Madurai, India
11.2019 - 08.2022
- Supervised 12 Branch Credit Managers in the credit assessment of Secured Business Loans (LAP) and Unsecured Business Loans.
- Ensured the onboarding of new customers within policy guidelines for 12 branches across 2 clusters in the Madurai Region.
- Managed portfolio with minimal delinquency by promptly addressing Early Warning Signals (EWS) to mitigate risks.
Deputy Manager 2
ICICI Bank Ltd
Erode, India
11.2015 - 10.2019
- Conducted initial credit appraisals and assessments for SME working capital products, ensuring thorough preliminary credit checks including internal deduplication and CIBIL analysis.
- Managed the portfolio including periodic reviews and limit enhancements.
- Identified and targeted specific segments and activities for priority sector lending, driving growth in priority sector portfolios.
- Fostered and enhanced customer relationships, ensuring high satisfaction levels and repeat business.
- Supervised the overall SME business for the region.
Education
Post Graduate Diploma in Banking And Finance - Banking and Finance
Manipal University
Bengaluru, India 02.2015 - 01.2016
BCA - Computers
Dr. CV Raman University
Bilaspur, India01-2013
Skills
- Banking
- FinTech
- Credit Risk
- Portfolio Management
- Credit Analysis
- Credit Underwriting
- Risk Analysis
- Working Capital
- Payment Processing
- Merchant onboarding and Underwriting
- Compliance analysis & Regulatory monitoring
- Due diligence
Certification
NISM & CRISIL Certified Credit Underwriter
Languages
English
Bilingual or Proficient (C2)
Tamil
Bilingual or Proficient (C2)
Timeline
Senior Underwriter
PayPal
09.2022 - Current
Cluster Credit Manager
IDFC FIRST Bharat
11.2019 - 08.2022
Deputy Manager 2
ICICI Bank Ltd
11.2015 - 10.2019
Post Graduate Diploma in Banking And Finance - Banking and Finance
Manipal University
02.2015 - 01.2016
BCA - Computers
Dr. CV Raman University