Manish Nama
Assistant Vice President - Credit Risk
Mumbai,Maharashtra
Summary
Credit risk professional with history of managing and mitigating financial risks for organizations. Known for strong focus on team collaboration and achieving results. Versatile in adapting to changing needs and skilled in credit analysis and effective risk management.
Overview
11
11
years of professional experience
Work History
Policy & Risk Manager
Axis Bank Ltd
Mumbai
09.2018 - Current
- Formulation of new policies, implementation of new product programs, and reviewing existing policies for continued relevance and effectiveness.
- Implementation of Business Rule Engine (BRE) for seamless policy execution.
- Post-sanction monitoring to ensure compliance with established guidelines and procedures.
- Monthly risk reviews with CRO, Business Head, and Head of Credit.
- Effective risk identification frameworks to enable early detection and mitigation of potential threats.
- Involvement in process improvement and automation projects.
- Building strong cross-functional relationships to foster a culture of risk awareness and accountability.
- Regular site and vendor visits along with Credit and Sales teams.
- Evaluation of co-lending proposals and formulation of co-lending policies, ensuring robust testing in UAT and production environments.
- Engagement with regulatory authorities and key stakeholders to ensure compliance and alignment with business goals.
Senior Credit Manager
Usha Financial Services Pvt Ltd
Delhi
09.2017 - 09.2018
- Evaluation and underwriting of business and personal loan proposals.
- Collaboration with NBFCs and Fintech partners for co-lending arrangements.
- Drafting and formulation of policies in line with the requirements of new co-lending proposals.
- Establishing new branches and driving business growth through DSA empanelment and strategic co-lending partnerships.
- Supporting recovery efforts through customer visit with collection team and coordination with the legal team.
Practicing Chartered Accountant
Chartered Accountants
Kota
03.2014 - 08.2017
- Audit of various clients and filing of Income tax, Sales Tax and Service tax returns.
- Conducted Bank Audits, Tax Audits, and Stock Audits.
- Preparation of CMA report.
- Fulfilling client's financial / working capital requirements by providing loans / limits from financial institutions.
Education
Chartered Accountant -
04.2001 - 01.2014
Company Secretary -
LLB -
Master of Commerce - Accounting And Finance
Skills
Designing BRE solutions
Experienced with multiple source systems including FinnOne and Salesforce
Experienced in data visualization with Tableau and Power BI
Experienced in using SAS for data retrieval
Strong command of Excel and PowerPoint
Accomplishments
- Completed CRISIL's Risk Management Training and Certification
- Awarded as "Champion" in Axis Bank during FY25
- Awarded as "CBG Learning Guru" for CBG upskilling initiative during FY25.
Timeline
Policy & Risk Manager - Axis Bank Ltd
09.2018 - Current
Senior Credit Manager - Usha Financial Services Pvt Ltd
09.2017 - 09.2018
Practicing Chartered Accountant - Chartered Accountants
03.2014 - 08.2017
The Institute of Chartered Accountants of India - Chartered Accountant,
04.2001 - 01.2014
The Institute of Company Secretary of India - Company Secretary,
University of Kota - LLB,
University of KOTA - Master of Commerce, Accounting And Finance