I am a Credit Manager at MONEYBOXX FINANCE LIMITED, a fintech company that provides loans to small and medium enterprises. In this role, I oversee the credit risk assessment and mitigation strategies for various loan products, ensuring compliance with the company's policies and regulations. With the help of my team and the senior management, I have successfully reduced the portfolio at risk (PAR) by 15% and increased the recovery rate by 20% in the last six months, improving the financial performance and social impact of the company and its clients. I have also implemented innovative solutions to streamline the credit process and enhance the customer experience. I have over five years of experience in the financial sector, working in different capacities such as zonal support, sales coordinator, and trainer. I have gained a strong background in finance, financial statement analysis, credit, operations, general banking, business, collections, and training. I have also acquired multiple skills in loan risk management, loan underwriting, and credit underwriting. I am currently pursuing a Master of Business Administration degree from Swami Vivekanand Subharti University, Meerut, with a focus on business, management, marketing, and related support services. I hold a Master of Commerce degree and a Bachelor of Commerce degree from reputed universities. My goal is to apply my skills and knowledge to enhance the financial performance and social impact of MONEYBOXX and its clients. I am passionate about learning new things, solving challenging problems, and creating value for the society.