Nidhin Abraham
Banking Professional
Mananthavady
Summary
Highly accomplished banking professional with over 9 years of extensive experience in microfinance, term loans, and credit operations. Proven expertise in driving business growth, optimizing operational efficiency, and managing credit portfolios with a focus on risk assessment and client-centric solutions. Adept at developing and implementing strategic initiatives to enhance financial inclusion and deliver sustainable results in dynamic banking environments. Seeking to leverage in-depth knowledge and leadership skills to contribute to organizational success in a challenging role.
Overview
10
10
years of professional experience
Work History
Vice-President
MAXVALUE Credits and Investments Ltd
04.2025 - Current
- HOD for the Credit Control and Recovery Department.
- Overseeing the credit aspects of Micro-Finance, Traders' Loan, and Consumer Loan portfolios.
- Handling the 98 branches of Kerala, Karnataka and Tamil Nadu.
- Credit Policy Development, Loan Structuring & Due Diligence, Risk Mitigation & Assessment and Portfolio Management.
- Handling of a 40-member team for micro-finance and traders' loans.
Manager
CSB Bank Ltd.
11.2018 - 03.2025
- Joined as an Agricultural Credit Officer and received two promotions to manager, where I led an 18-member team.
- Sanctions and empanelment of new Business Correspondents under FI Department for newly started business.
- All the Credit operation activities of MFI Business and 19 BC relationships.
Assistant Manager
NABARD Financial Services Ltd.
05.2016 - 11.2018
- Monitored the operations of Mysore branch in Karnataka
- Maintained microfinance loan portfolio of Rs.18 Crore with the support of 6 field staff.
- Achievement of monthly disbursements and recovery (demand) targets.
- Reconciliation of loan accounts using MIS data and CBS figures.
- Assist internal audit and submit compliance reports.
- Disbursement of loan by recommendation each borrower to HO based on CRIF report.
Senior Officer
ESAF Swasraya Multi State Agro Co-operative Society Ltd.
02.2016 - 05.2016
Education
MBA-ABM -
01-2016
- Kerala Agricultural University
- GPA: 7.52 (OGPA)
B.Com - Computer application
01-2013
- University of Calicut
- GPA: 75%
Higher secondary - undefined
01-2009
- Department of General Education
- GPA: 63.5%
SSLC - undefined
01-2006
- Department of General Education
- GPA: 75%
Skills
10 Years’ experience in Banking & Microfinance
Team Management and Time management
Professional knowledge in MS Office and Various banking software’s
Having handled business, credit, and operations for MF and Traders' loans, I am confident in my ability to manage all banking products
DECLARATION
I hereby declare that the information provided above is true to the best of my knowledge and belief. I understand that in the event of any information being found false or incorrect, my candidature/appointment is liable to be cancelled / terminated. Thrissur 2026-03-18 NIDHIN ABRAHAM
Timeline
Vice-President - MAXVALUE Credits and Investments Ltd
04.2025 - Current
Manager - CSB Bank Ltd.
11.2018 - 03.2025
Assistant Manager - NABARD Financial Services Ltd.
05.2016 - 11.2018
Senior Officer - ESAF Swasraya Multi State Agro Co-operative Society Ltd.
02.2016 - 05.2016
C.M. College of Arts and Science. Panamaram, Wayanad. (UIT) - B.Com, Computer application
De Paul college, Peravoor Kannur - Higher secondary,
G K M H S, Kniyaram Manananthavady - SSLC,
College of Cooperation Banking and Management (CCBM) - MBA-ABM,