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Karthik Bhat is a seasoned professional with over 9 years of experience in the Credit & Risk industry. Currently serving as a Senior Subject Matter Expert at PayPal India, Karthik has previously held roles such as Credit Risk Analyst at Brickwork Ratings and Senior Quality Analyst at Oracle. Additionally, Karthik worked as a Senior Trainer at G.C.RAO Academy and holds an MBA in Marketing and Finance from R V Institute of Management. Karthik is currently pursuing a degree in Psychology with a focus on Counseling Psychology at Medhavi University.