Nikhil Pingale
Mumbai
Summary
Performance driven Chartered Global Management Accountant (CIMA, UK) and Chartered Accountant (ICAI, India) with7+ years of expertise in Commercial and Industrial (C&I) credit analysis, underwriting, and risk management. Proven ability to deliver tailored financial solutions, managing diverse loan products such as Lines of Credit, Overdrafts, Term Loans, and Export Finance. Skilled in creditworthiness evaluation, portfolio growth, and regulatory compliance, with a strong foundation in financial analysis and risk assessment to drive informed credit decisions.
Overview
7
7
years of professional experience
Work History
Senior Credit Analyst
AU Small Finance Bank
01.2024 - Current
- Company Overview: India’s largest small finance bank, catering to micro, small, and medium enterprises, with annual revenues over US$1 billion and a significant national presence
- Underwritten sanctions worth US$6 million for solar power plant projects, ensuring compliance with governmental regulations
- Overseeing a US$15 million portfolio, maintaining delinquency levels below0.25% through proactive risk monitoring
- Sanctioned Commercial and Industrial (C&I) credit proposals to enterprises across diverse industries
- Crafting comprehensive credit notes to deliver key insights for sanctioning decisions, utilizing detailed financial and banking analyses
Credit Analyst
Axis Bank
04.2022 - 01.2024
- Company Overview: India’s third-largest private sector bank, with annual revenues exceeding US$17 billion, with an extensive network of4,800+ branches and17,000 ATMs
- Driven20% growth in a US$48 million Commercial and Industrial (C&I) credit portfolio by submitting sanctions totaling US$12 million to approving authorities, with US$8 million allocated to new clients and US$4 million for existing client expansion projects
- Ensured portfolio health by keeping delinquency rates below0.50% through meticulous credit assessment and effective risk management
- Preparing detailed credit notes and conducting in-depth creditworthiness evaluation to support decision-making by sanctioning authorities
Junior Credit Analyst
Kotak Mahindra Bank
12.2019 - 02.2022
- Company Overview: One of India’s leading private-sector banks with annual revenues exceeding US$11 billion and a nationwide network of1,700+ branches
- Streamlined loan processing by effectively assessing diverse credit applications, contributing to improved efficiency in credit operations
Credit Process Associate
Yes Bank
08.2017 - 12.2019
- Company Overview: A prominent private-sector bank in India, with annual revenues exceeding US$3 billion, with a strong focus on innovation and digital banking services
- Attained a processing accuracy rate near100% in credit application evaluation
- Reduced turnaround time for credit approvals, driving enhanced client satisfaction and retention
Education
Chartered Global Management Accountant (CIMA) - Management Accounting, Risk Management
CIMA
10.2024
Chartered Accountant (CA) - Financial Accounting, Risk Management, Audit, and Taxation
ICAI
07.2023
Master of Commerce (M.Com) - Financial Accounting, Management Accounting
University of Mumbai
02.2014
Bachelor of Commerce (B.Com) - Financial Accounting, Management Accounting
University of Mumbai
07.2010
Skills
- Credit Analysis Financial Analysis Risk Assessment Deal Structuring Portfolio Management Client Interaction Team Collaboration Credit Underwriting Loan Products Management Customized Financial Solutions Risk Mitigation Creditworthiness Evaluation Stakeholder Engagement Turnaround Time Optimization Process Accuracy
Timeline
Senior Credit Analyst
AU Small Finance Bank
01.2024 - Current
Credit Analyst
Axis Bank
04.2022 - 01.2024
Junior Credit Analyst
Kotak Mahindra Bank
12.2019 - 02.2022
Credit Process Associate
Yes Bank
08.2017 - 12.2019
Chartered Accountant (CA) - Financial Accounting, Risk Management, Audit, and Taxation
ICAI
Master of Commerce (M.Com) - Financial Accounting, Management Accounting
University of Mumbai
Bachelor of Commerce (B.Com) - Financial Accounting, Management Accounting
University of Mumbai
Chartered Global Management Accountant (CIMA) - Management Accounting, Risk Management
CIMA
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