Gopika N K
Senior Credit Manager @Kotak Mahindra Bank
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WORK HISTORY
Senior Credit Manager @Kotak Mahindra Bank
Bengaluru, IN
Evaluated and approved unsecured business loan proposals for corporates, MSMEs, and professionals in line with credit policies.Conducted detailed financial, bank statement, and credit bureau analysis to assess creditworthiness.Collaborated with sales and credit teams to streamline processes and reduce loan turnaround time.Monitored portfolio health, identified early warning signals, and implemented risk mitigation strategies.Led credit analyst training and supported policy implementation across the South India region.
EDUCATION
Mahatma Gandhi University
Bachelor of Commerce
Institute of Chartered Accountants of India
Chartered Accountant, Auditing
Institute of Chartered Accountants of India
Master of Business Administration
ABOUT GOPIKA N K
Finance professional with 5+ years of experience in credit appraisal, internal audit, and financial accounting across banking and corporate sectors. Skilled in evaluating MSME and corporate credit proposals, financial analysis, and portfolio monitoring. Adept at planning and executing risk-based audits, strengthening internal controls, and ensuring regulatory compliance. Proficient in financial reporting, reconciliations, and ERP systems like SAP and Tally. Known for cross-functional collaboration, process improvement, and mentoring teams to deliver high-quality results. Strong analytical and decision-making abilities, with a consistent track record of supporting strategic initiatives and enhancing financial governance.
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