Nikhil Rajendra Gophan
Mumbai
Summary
Dynamic Credit Manager with extensive experience at Bandhan Bank Limited, excelling in high-value credit underwriting and portfolio risk management. Proven track record in leading teams and enhancing compliance standards, while driving process improvements. Skilled in financial analysis and stakeholder coordination, ensuring robust governance and high-quality credit assessments.
Overview
12
12
years of professional experience
Work History
Senior Credit Manager – High Value (HL & SME LAP)
Bandhan Bank Limited
Mumbai
12.2024 - Current
- Managed end-to-end credit underwriting for high-value housing loan and SME LAP proposals across multiple branches, ensuring accurate risk assessment and adherence to policies.
- Exercising independent sanction authority up to INR 1 Crore with overall portfolio exposure of approximately INR 25 Crore.
- Led branch-level credit officers in preparing high-quality CAMs, ensuring compliance with internal policies and accuracy in documentation.
- Conducting in-depth personal discussions (PD) and field visits to assess borrower credibility, business sustainability, and end-use of funds.
- Reviewing financial statements, banking behavior, cash flows, RTR, CIBIL, and legal & technical reports for risk evaluation.
- Monitored portfolio performance, early warning indicators, and delinquency trends; presented actionable risk insights and MIS to senior management.
- Driving audit readiness, closure of post-disbursement audit queries, and strengthening governance standards.
- Coordinating closely with Sales, Operations, Legal, Technical, and RCU teams to balance growth objectives with credit quality.
- Actively contributing to process improvements aimed at reducing TAT while maintaining underwriting rigor.
Credit Manager (Loan Against Property)
Tata Capital Limited
Mumbai
10.2022 - 12.2024
- Handled comprehensive credit appraisal and underwriting of LAP proposals within defined credit policy frameworks.
- Evaluated financials, banking patterns, RTR, collateral valuation, and third-party legal and technical reports to support informed credit decisions.
- Recommended cases for sanction while coordinating approval and disbursement processes to meet prescribed TAT.
- Conducted PD visits at borrower business locations to evaluate operational stability, cash flows, and repayment capacity.
- Provided functional guidance to junior credit team members, enhancing consistency and quality of credit assessments.
- Tracked PDD, maintained portfolio MIS, and developed exception monitoring reports for senior management review.
- Ensured strict compliance with internal credit policies, audit requirements, and regulatory guidelines.
Credit Manager (Home Loans)
IDFC First Bank
Mumbai
09.2021 - 10.2022
- Managed underwriting of retail home loan proposals, ensuring adherence to bank credit policies and risk norms to mitigate potential losses.
- Conducted borrower PDs, assessing income stability, repayment behavior, and collateral adequacy to inform lending decisions.
- Prepared detailed CAMs and supported branch teams in resolving complex credit structures and deviation cases.
- Collaborated with sales and operations teams to facilitate timely disbursement and enhance overall customer experience.
Credit Officer (Home Loans)
Ujjivan Small Finance Bank
Mumbai
06.2019 - 09.2021
- Underwrote various home loan products including ready purchase, self-construction, home improvement, and LAP.
- Analyzed income documents, banking transactions, cash flows, and credit bureau reports for credit assessment.
- Prepared CAMs and maintained daily MIS to ensure adherence to turnaround time benchmarks, facilitating timely loan processing.
- Coordinated with legal and technical vendors to secure proper documentation prior to disbursement, reducing potential delays.
- Coordinated between sales and operations to support portfolio growth while maintaining risk discipline in loan approvals.
Credit Manager – Business Loans
Kapital Tech (United Petro Finance)
Mumbai
05.2018 - 06.2019
- Led business loan underwriting operations including financial analysis, banking turnover assessment, and ratio evaluation.
- Reviewed PD, RCU, FI, and legal reports and took approve/reject decisions for loan proposals.
- Handled location-sensitive and higher-risk cases, implementing risk mitigation strategies to safeguard loan integrity.
- Managed and supervised team of credit executives, streamlining case sanctioning through LOS systems.
- Resolved disbursement-related queries, ensuring compliance with internal credit processes to facilitate timely loan disbursements.
Business Analyst / Credit Analyst
GKC Finance Pvt. Ltd.
Mumbai
06.2014 - 05.2016
- Performed detailed financial statement analysis, ratio analysis, and creditworthiness assessment.
- Prepared comprehensive credit appraisal reports, credit ratings, and final recommendation notes.
- Conducted PD and LIP for secured and unsecured loan products including business loans, home loans, and LAP.
- Interacted with clients to understand business models, cash flows, and future plans.
Education
MBA - Banking and Finance
IES Management College And Research Centre
Bandra, Mumbai05-2018
B.com - Commerce
Kirti M. Doongursee College
Mumbai University06-2012
HSC - Commerce
Shardashram Vidya Mandir
Maharashtra Board05-2008
SSC -
S. V Naber GurujiVidyalaya
Maharashtra Board05-2006
Skills
- High-Value Credit Underwriting
- Portfolio Risk Management
- Credit Policy & Governance
- Team Leadership & Mentoring
- Audit & Compliance Management
- Financial & Banking Analysis
- Stakeholder & Cross-Functional Coordination
- MIS & Management Reporting
- LOS
- LMS
- Salesforce
- Credit underwriting
- Financial analysis
Timeline
Senior Credit Manager – High Value (HL & SME LAP)
Bandhan Bank Limited
12.2024 - Current
Credit Manager (Loan Against Property)
Tata Capital Limited
10.2022 - 12.2024
Credit Manager (Home Loans)
IDFC First Bank
09.2021 - 10.2022
Credit Officer (Home Loans)
Ujjivan Small Finance Bank
06.2019 - 09.2021
Credit Manager – Business Loans
Kapital Tech (United Petro Finance)
05.2018 - 06.2019
Business Analyst / Credit Analyst
GKC Finance Pvt. Ltd.
06.2014 - 05.2016
MBA - Banking and Finance
IES Management College And Research Centre
B.com - Commerce
Kirti M. Doongursee College
HSC - Commerce
Shardashram Vidya Mandir
SSC -
S. V Naber GurujiVidyalaya