Sangeetha Kisna

Sangeetha Kisna is an experienced credit risk management professional currently serving as a Credit Analyst at Citi since June 2023 and as a Credit Risk Manager at Goldbell Financial Services since April 2022. Sangeetha's expertise includes evaluating credit proposals for SMEs in Singapore, proposing risk-mitigating conditions, coaching junior team members, implementing credit risk management workflows, and conducting KYC/CDD checks. Previous roles include Manager at CGC Malaysia, Small Business Manager at AmBank Group, and Account Manager at Malaysian Industrial Development Finance, with responsibilities ranging from credit evaluation, small business lending, and portfolio management to client education and relationship building. Sangeetha holds dual MBA degrees from UUMKL and Northern University Malaysia and a Bachelor's degree in Business Administration from Universiti Putra Malaysia.