Nikhil Patel

• Underwriting Auto Premium Loans and Auto Loans, ensuring creditworthiness and compliance with internal and regulatory standards.
• Managing vendor partnerships for Contact Point Verification (CPV) and valuation, ensuring timely and accurate assessments.
• Monitoring check bouncing rates and delinquency triggers, implementing strategies to reduce NPAs.
• Collaborating with sales and collections teams to maintain portfolio health and mitigate defaults.
• Conducting training programs for dealers and sourcing agents to align them with the bank's credit policies.

Key Achievement

• Reduced NPA levels through early intervention strategies and process improvements.
• Built partnerships that reduced valuation turnaround time, expediting loan disbursals.

• Managed the underwriting of Auto Premium Loans, Used Car Purchase, Used Car Refinance, and Used Premium Car Purchase loans.
• Worked with risk, sales, and operations teams to streamline workflows and ensure smooth loan disbursals.
• Ensured portfolio health by implementing rigorous credit assessments and monitoring procedures.

Key Achievement

• Managed a growing auto loan portfolio with a low delinquency rate, balancing credit growth and portfolio quality.

• Worked with management to evaluate credit strategies and develop improvements.
• Led a team of 7 credit professionals managing personal loan and credit card portfolios across multiple regions.
• Managed credit approvals and assessments to meet aggressive disbursal targets, while maintaining compliance with regulatory guidelines.
• Coordinated with sales and collections teams to drive loan growth and portfolio performance.
• Expertise in KYC, AML, and Compliance banking regulations.

• Managed the underwriting of Auto Loans and Personal Loans, ensuring compliance with credit norms and regulations.
• Developed the RLOS underwriting application, streamlining loan workflows and improving approval times.
• Led the allocation and reallocation of cases, optimizing team performance and workflow efficiency.
• Improved underwriting efficiency through enhanced allocation processes.
• Drafted detailed credit papers with comprehensive financial records and risk analysis data.

• Managed the underwriting of Personal Loans, ensuring high-quality approvals and compliance.
• Worked with sales teams to achieve loan disbursal targets while maintaining portfolio quality.