As a Credit Ops Manager at CarePay, a leading fintech for healthcare, I lead the credit operations process and manage the credit risk analysis for the company. I work with the product development team to design and implement smooth and efficient operations workflows with the help of technology. I also oversee the credit underwriting, KYC, and reports for the company, ensuring compliance and quality standards. I have over six years of experience in fintech and NBFC operations, credit risk analysis, and product development. I have worked with PayMe and Fibe. India And CARS24 where I handled various aspects of digital lending, such as credit scoring, fraud detection, loan servicing, and collections. I have successfully contributed to the growth and profitability of these companies by improving credit performance, customer retention, and operational efficiency. I hold a Bachelor of Commerce degree in Accounting and Finance from Utkal University and a GST Practitioner certification from Henry Harvin Education. I have strong skills in Microsoft PowerPoint, data analysis, and financial modeling. I am passionate about learning new technologies and innovations in the fintech and healthcare sectors and applying them to solve real-world problems. My goal is to leverage my expertise and experience to create positive social impact and financial inclusion through digital lending.