Praveen Kumar
@praveenkumar62
I lead business lending and credit operations, improving loan turnaround, risk controls, and lender coordination.
IndiaWhat I'm looking for
At Paytm, I lead end-to-end business lending and credit operations across origination, underwriting support, disbursement, servicing, and portfolio monitoring.
I use financial and transaction data to assess credit risk, monitor delinquency and repayment behavior, and identify suspicious activity and fraud indicators. I also manage lender relationships and align risk, product, and operations teams on portfolio priorities.
I reduced operational turnaround time by 25%, maintained SLA adherence above 95%, and led and mentored a team of 18 professionals. I implemented AI-driven SOP automation using prompt engineering.
Across Paytm and Teleperformance, I've supported merchant settlements, reconciliation, payments, transaction monitoring, banking service, compliance, and escalations. I bring hands-on experience with SQL, Power BI, Excel, Grafana, and operational risk controls.
Experience
Work history, roles, and key accomplishments
Manage end-to-end loan lifecycle operations including origination, underwriting support, disbursement, servicing, and portfolio monitoring. Conduct credit risk assessments, manage lender relationships, and ensure compliance with RBI regulations.
Senior Associate – Credit Operations & Transaction Monitoring
May 2021 - May 2023 (2 years)
Managed lender and merchant account coordination, monitored transactions for risks and fraud, and investigated discrepancies. Coordinated with compliance, risk, product, and technology teams as a key stakeholder liaison.
Managed merchant support for settlements, reconciliation, payments, and operational issues. Resolved payment failures, settlement delays, and dispute cases while ensuring compliance with RBI guidelines.
Provided banking support to NRI customers through phone and email channels. Assisted with account servicing, transactions, debit cards, and digital banking queries while maintaining SLA and quality benchmarks.
Education
Degrees, certifications, and relevant coursework
Kurukshetra University
Master of Computer Applications, Computer Applications
2014 - 2016
Pursued a Master of Computer Applications (MCA) degree from Kurukshetra University from 2014 to 2016.
Magadh University
Bachelor of Science, Computer Science
2011 - 2014
Completed a Bachelor of Science in Computer Science from Magadh University from 2011 to 2014.
Microsoft
Microsoft Technology Associate (MTA) – Software Development Fundamentals, Software Development
Earned the Microsoft Technology Associate (MTA) certification in Software Development Fundamentals.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Salary expectations
Social media
Job categories
Skills
Interested in hiring Praveen?
You can contact Praveen and 90k+ other talented remote workers on Himalayas.
Message PraveenGet matched with your dream remote job
Sign up now and join over 250,000+ remote workers who receive personalized job alerts, curated job matches, and more for free!
