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Naveen Kumar is an Associate Director at CARE Ratings Ltd., where responsibilities include analyzing financial statements and performing ratio analysis to assess creditworthiness. With a background as a Senior Manager in Corporate Ratings, Naveen collaborates with various stakeholders in the financial sector. Previously, as a Credit Officer at Bank of Baroda, duties involved credit appraisal for small and medium enterprises, which encompassed interacting with company directors, analyzing financial statements, and sanctioning loans. Additionally, Naveen has experience as a Credit Analyst at Blend Financial Services Ltd., focusing on understanding corporate financial requirements. Early career work included course development for management entrance examinations. Naveen holds an MBA in finance from Savitribai Phule Pune University.