NILESH KUMAR
Bhubaneswar
Summary
Seasoned Credit Risk professional with over 11 years in banking, specializing in credit appraisal and portfolio risk management for SME and Mid-Corporate lending. Expertise includes assessing borrower creditworthiness, identifying financial risks, and monitoring portfolio performance. Experienced in preparing credit reports, conducting reviews, and ensuring compliance with RBI guidelines. Moody's Certified in Commercial Credit, committed to supporting sound credit decisions and maintaining portfolio quality.
Overview
2
2
Languages
1
1
Certification
11
11
years of professional experience
Work History
Manager –Business Banking(Credit Risk & Portfolio)
Federal Bank Ltd
Raipur
02.2025 - Current
- Lead post-disbursement credit risk monitoring for SME and Mid-Corporate portfolios across 11 Business Banking branches in the Raipur Cluster.
- Assess portfolio quality by analyzing repayment behavior, account conduct, utilization patterns, covenant compliance, and borrower financial performance.
- Identify Early Warning Signals (EWS) and emerging credit risks through periodic review of financial statements, stock statements, GST returns, and market developments.
- Conduct annual and interim credit reviews to reassess borrower creditworthiness, risk ratings, collateral adequacy, and repayment capacity.
- Evaluate liquidity, leverage, profitability, cash flows, and working capital trends to support informed credit risk decisions.
- Recommend risk mitigation measures, including enhanced monitoring, collateral strengthening, and exposure optimization.
- Prepare portfolio risk review reports highlighting key risk observations, sectoral exposures, concentration risks, and recommendations for senior management.
- Partner with Business Banking teams to strengthen portfolio quality and ensure compliance with internal credit policies and RBI guidelines.
Asst. Manager- Credit Risk Analyst
Federal Bank Ltd
Balasore
01.2023 - 01.2025
- Evaluated borrower risk through comprehensive financial, industry, management, and collateral analysis to inform lending decisions.
- Conduct independent credit risk assessments and financial due diligence for SME and Mid-Corporate borrowers.
- Identify emerging portfolio risks via post-disbursement monitoring and periodic credit reviews, contributing to proactive risk management.
- Analyze borrower performance, account conduct, and financial trends to detect Early Warning Signals (EWS).
- Recommended risk mitigation strategies and covenant enhancements to optimize exposure and strengthen credit portfolio resilience.
- Support annual reviews, renewals, and risk-rating reassessments.
- Prepare risk-focused credit appraisal notes to support informed lending decisions.
- Ensure compliance with RBI guidelines, internal credit policies, and regulatory requirements.
Asst. Manager (Relationship Manager)- SME
Federal Bank Ltd
Balasore
10.2021 - 12.2022
- Managed the SME credit portfolio across the Balasore Cluster, supporting risk-based lending decisions while maintaining portfolio quality.
- Performed comprehensive credit analysis by evaluating financial statements, cash flows, working capital, industry outlook, and borrower repayment capacity.
- Assessed borrower creditworthiness by identifying financial, operational, industry, and management risks impacting credit quality.
- Structured working capital and term loan facilities aligned with borrower risk profiles, internal credit policies, and regulatory guidelines.
- Prepared detailed Credit Appraisal Memorandums (CAMs) incorporating financial analysis, risk assessment, and mitigation recommendations.
- Evaluated project finance proposals by assessing project viability, cash flow sustainability, and associated credit risks.
- Reviewed trade finance facilities, including Letters of Credit and Bank Guarantees, to evaluate transaction-specific risks and ensure regulatory compliance.
- Collaborated with Relationship Managers, Credit, Legal, and Valuation teams to strengthen credit proposals and support prudent lending decisions.
Associate- Branch Banking, MSME Asset
Federal Bank Ltd
Jajpur Road
07.2015 - 09.2021
- Managed retail and corporate banking operations while ensuring compliance with regulatory and internal guidelines.
- Supported sourcing and processing of Retail and SME credit proposals in coordination with business and credit teams.
- Assisted in loan documentation, disbursement, and periodic review of credit facilities.
- Performed KYC, AML, and customer due diligence to ensure regulatory compliance and mitigate operational risk.
- Maintained accurate documentation to support audit, compliance, and internal control requirements.
- Collaborated with cross-functional teams to enhance operational efficiency and customer service.
Education
B.Tech - Electrical, Electronics And Communications Engineering
Dr. B.C. Roy Engineering College, Durgapur
Durgapur, West Bengal06-2015
Skills
- Credit Risk Assessment
- Risk Identification and Analysis
- Portfolio monitoring
- Financial Statement Analysis
- Credit Underwriting
- Risk mitigation measures
- Credit Risk Modelling
Languages
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Certification
- • Certificate in Commercial Credit-Moody’s Analytics.
- • Junior Associate of Indian Institute of Bankers.
- • Certificate in Fores Operations - IIBF
Timeline
Manager –Business Banking(Credit Risk & Portfolio)
Federal Bank Ltd
02.2025 - Current
Asst. Manager- Credit Risk Analyst
Federal Bank Ltd
01.2023 - 01.2025
Asst. Manager (Relationship Manager)- SME
Federal Bank Ltd
10.2021 - 12.2022
Associate- Branch Banking, MSME Asset
Federal Bank Ltd
07.2015 - 09.2021
B.Tech - Electrical, Electronics And Communications Engineering
Dr. B.C. Roy Engineering College, Durgapur