Krishnakumar M

Krishnakumar M is a Credit Underwriting Specialist and Team Leader with 10 years of experience in banking and fintech. They have successfully led a team of credit analysts for three years, focusing on credit risk assessment and mentorship. Previously, Krishnakumar served as a Deputy Manager at ICICI Bank, where they conducted credit appraisals, and later as a Cluster Credit Manager at IDFC FIRST Bharat Ltd, managing credit assessments across multiple branches. Currently, they work as a Senior Underwriter at PayPal, where they handle large-enterprise merchant credit and contribute to risk management strategies. Krishnakumar holds a Postgraduate Diploma in Banking and Finance from ICICI Manipal University.