Govind Kumar
Branch Credit Manager | 5+ Years in Credit Risk, Underwriting & Portfolio Management | MSME, LAP & Housing Loans Specialist | CAM Preparation | KYC & Regulatory Compliance | Data-Driven Credit Analytics
- Role
- Branch Credit Manager at Moneyboxx Finance Limited
- Location
- Sasaram, BR, IN
- LinkedIn followers
- 500 followers
About Govind Kumar
Results-driven Credit Manager with over 5 years of experience in credit underwriting, risk assessment, and portfolio management across MSME, LAP, Business, and Housing Loans.Currently serving as Branch Credit Manager at MONEYBOXX FINANCE LIMITED, specializing in end-to-end credit evaluation, Personal Discussions (PD), financial statement analysis, CAM preparation, and policy-compliant decision-making.Core Competencies:• Credit Risk Assessment & Underwriting• Portfolio Monitoring & Delinquency Control• Financial Statement & Bank Statement Analysis• KYC, Legal & Technical Compliance• Credit Appraisal Memo (CAM) Preparation• Risk Mitigation & Policy AlignmentPreviously associated with Aditya Birla Capital and Satya Microcapital Limited, managing diverse retail and MSME portfolios.Recently enhanced analytical capabilities by completing the Google Data Analytics Professional Certificate via Coursera, enabling data-driven insights in credit decision-making and portfolio monitoring.Open to opportunities in Credit Risk, Portfolio Management, and Analytics-Driven Underwriting roles.
Experience
Branch Credit Manager
Dec 2025 — Present · Sasaram, IN
Conduct detailed Personal Discussions (PD) and assess borrower creditworthiness for MSME & LAP cases• Perform financial analysis including GST, ITR, bank statements & cash flow assessment• Prepare and review CAMs aligned with internal credit policy• Ensure strict KYC, legal & technical compliance before disbursement• Manage branch-level loan portfolio and monitor risk exposure• Raise policy deviations and risk observations where applicable
Education
Indira Gandhi National Open University
Master of Business Administration - MBA, Business Administration and Management, General
SRI GANPATI CHAKNI 10+2 VIDYALY HATHILPUR
Matriculation , Mathematics
M.V. College, Buxar
Science , Mathematics
Veer Kunwar Singh University, Arrah
Batchelor Of Science , Mathematics
2014 — 2017
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