Nihesh Singh
Chennai
Summary
Results-driven Credit Risk Analyst with 7+ years of experience in evaluating credit risk, developing scoring models, and ensuring regulatory compliance. Proficient in Advanced Excel, SQL, and Power BI with a strong background in financial analysis, portfolio management, and risk mitigation. Skilled in conducting trend analysis, internal audits, and due diligence to support informed credit decisions and strategic planning.
Overview
7
7
years of professional experience
Work History
Wealth & Credit-Risk Management Specialist
Development Bank of Singapore
Chennai
08.2017 - Current
- Evaluated creditworthiness by analyzing financial statements, industry trends, and economic data.
- Collaborated with underwriters, lending specialists, and legal teams to document credit approval terms and conditions.
- Created and executed advanced models for credit risk assessment, which brought down default rates significantly by 25%.
- Created predictive financial models that accurately forecasted cash flows and evaluated the feasibility of various lending opportunities.
- Assisted in the issuance, amendments, and monitoring of Letters of Credit (LCs), and managed ARC LC approval queues for new and evergreen LCs.
- Streamlined credit review process, reducing new credit approval timeframe by 45%.
- Evaluated borrowers' liquidity, solvency, and profitability through financial ratio analyses.
- Monitored and managed credit exposure information in corporate credit systems to ensure data accuracy and compliance.
- Leveraged Advanced Excel and Power BI to create detailed reports and interactive dashboards, facilitating strategic decision-making.
- Utilized SQL to improve risk assessment by analyzing credit data.
- Adeptly performed monitoring duties, including financial analysis, credit administration tasks, and due diligence reviews, on diverse ESG loan originations.
- Maintained constant surveillance on key risk indicators to meet regulatory obligations.
- Prepared detailed credit reports, summarized results, and advised senior executives.
Education
MBA - Financial Accounting
SRM Institute of Science And Technology
Chennai12-2025
Bachelor in Technology -
Gandhi Engineering College
07.2014
Skills
- Advanced Excel, Basic SQL, & Power BI
- Credit Risk Assessment and Scoring
- Ratio Analysis
- Credit Regulatory Knowledge
- Internal Audits
- Due diligence
- Trend and gap analysis
- Risk Mitigation
- Financial analysis
- Portfolio management
- Risk Management Specialist
- Fraud analysis and loan processing
Conferences courses
- The Complete Financial Analyst Course 2022, Udemy, 11/2022, Present
- Financial Modeling and Fundamental Analysis 2023, Udemy, 02/2023, Present
- Diploma in Business Analysis, 2024, Tutorials Point, 07/2024, Present
- Microsoft Power BI Course by Tutorials Point, 09/2024, Present
- Microsoft Excel: Create Dashboards and Master Power Query, 09/2024, Present
- Workshop on AI Dashboard using Microsoft Power BI, Skill Nation, 09/2024, Present
- Certificate in Applied Business Analytics from ISB Executive Education, pursuing
Languages
English
First Language
Timeline
Wealth & Credit-Risk Management Specialist
Development Bank of Singapore
08.2017 - Current
MBA - Financial Accounting
SRM Institute of Science And Technology
Bachelor in Technology -
Gandhi Engineering College
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