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Shivam Kumar has a diverse background in credit risk management, lending, and financial analysis. Shivam currently holds the position of Director and Chief of Staff to the Chief Credit Officer at American Express, focusing on US Consumer Services. Prior to this role, Shivam was a Senior Analyst at dunnhumby. Shivam holds a B.Tech-M.Tech dual degree in Civil Engineering from the Indian Institute of Technology, Kanpur. Additionally, Shivam obtained the Chartered Financial Analyst Level 1 certification from the CFA Institute in 2015.