Nimisha Mishra
BANKING
Summary
Junior Consultant – Banking supporting financial fraud investigations and banking analysis across complex corporate matters. Applies transaction tracing, fund flow analysis, and bank statement review to identify irregular transfers, loan exposure, and document gaps. Coordinates with multiple banks and internal teams to produce Excel-based trail reports, trackers, and investigation annexures on tight timelines.
Overview
2
2
Languages
2
2
Certifications
7
7
years of professional experience
Work History
Consultant – Banking
Serious Fraud Investigation Office (Ministry of Corporate Affairs) - Delhi
12.2025 - 07.2026
- Assisted in investigation of financial fraud involving approximately ₹582 Crore in the matter of Supertech Pvt. Ltd. (Noida) & 36 Others.
- Conducted transaction tracing and fund flow analysis to identify irregular transactions, diversion of funds, and assess loan exposure.
- Coordinated with multiple banks via calls and emails to collect bank statements, financial data, and supporting documents critical for investigation.
- Prepared detailed transaction trail reports and analytical Excel sheets to enhance clarity and support investigation findings.
- Prepared detailed transaction trail reports and analytical Excel sheets and analytical working reports for investigation purposes.
- Prepared and maintained investigation trackers for bank communications, follow-ups, emails, and data collection activities.
- Assisted in preparation of investigation reports, annexures, and supporting documentation related to the matter.
- Assisted in investigation and analysis of company-related financial and corporate records in the matter of Sun Real Estate (Madras) Private Limited & Others.
- Collected and compiled MCA records including MOA, AOA, Balance Sheets, and attachments of 48 companies for investigation purposes.
- Prepared company profile reports containing details of directors, authorized signatories, shareholding patterns, and financial information based on MCA records.
- Conducted financial analysis based on Balance Sheets and financial statements for investigation and reporting purposes.
- Assisted in investigation-related data management and analysis in the matter of CG Power and Industrial Solutions Ltd.
- Managed downloading, compilation, and organization of banking data received from multiple banks for investigation purposes.
- Prepared detailed Excel sheets containing account-wise banking information, account holder details, and transaction data for financial analysis.
- Organized and maintained structured banking records and supporting documents to streamline investigation and reporting processes.
Deputy Manager – Loan Operations
HDFC Bank, Delhi
10.2022 - 12.2025
- Handled a portfolio of 500+ cases per month with average disbursement value exceeding INR 550 crore.
- Managed end-to-end disbursement process for retail loans including LAP, Loan Against Rent Receivable, and commercial property loans.
- Managed customer service operations across Delhi NCR, achieving timely resolution of customer inquiries within defined TAT.
- Led cross-functional teams to enhance customer service delivery and operational efficiency.
- Handled LMS, CRM, IDEA RAS, Finone, TOS, and Shock and Awe operations to streamline processing and servicing for banking customers.
- Verified and processed customer documents as per TSR (Technical Screening Report) and PDD (Post Disbursement Documents) requirements.
- Handling ROC charge filing activity with coordination with vendor within the TAT
- Handling ROC charge filing activity with the coordination with vendor within the TAT
- Maintaining and publishing various reports on a daily/weekly basis.
- Prepared MIS reports and coordinated with stakeholders for smooth operational execution.
- Reconciliation for all disbursal payments of the branch.
- Proper NDC of Disbursement files and dispatch to CPU within the TAT.
- Led cross-functional teams to improve customer service delivery and operational efficiency across loan operations.
Assistant Manager - Loan Operations
ICICI Bank, Lucknow
03.2019 - 10.2022
- Oversaw end-to-end disbursement process for retail loans, ensuring timely and accurate loan processing.
- Developed MIS reports and coordinated with stakeholders to facilitate seamless operational execution.
- Handled a portfolio of 100+ cases per month with average disbursement.
- Managed customer service operations across Lucknow while ensuring timely resolution within defined TAT.
- Managed portfolio of 100+ cases monthly, achieving consistent disbursement turnaround.
- Prepared MIS reports and coordinated with stakeholders for smooth operational execution.
- Prepared MIS reports and coordinated with stakeholders for smooth operational execution.
- Handling business queries and providing solutions within prescribed TAT.
- Maintaining and publishing various reports on a daily/weekly basis.
- Reconciliation for all disbursal payments of the branch.
- Proper NDC of Disbursement files and dispatch to CPU within the T4 MIS
- Deferral closure activities.
- Processing all housekeeping requests within the TAT
Education
MBA -
GLA UNIVERSITY
Mathura, India 04.2001 -
BBA -
BBD UNIVERSITY
Lucknow, India 04.2001 -
Skills
Financial analysis
Fraud investigation
Transaction tracing
Fund flow analysis
KYC review
Anti-money laundering
Loan operations
MIS reporting
Regulatory compliance
Document verification
Reconciliation
Banking regulations
Certification
AML / KYC
TOOLS
- Microsoft Excel
- Microsoft Word
- Microsoft PowerPoint
- Microsoft Outlook
- LMS
- CRM
- FinOne
- IDEA RAS
- TOS
- Shock & Awe
- MCA Portal
Timeline
Consultant – Banking
Serious Fraud Investigation Office (Ministry of Corporate Affairs) - Delhi
12.2025 - 07.2026
Deputy Manager – Loan Operations
HDFC Bank, Delhi
10.2022 - 12.2025
Assistant Manager - Loan Operations
ICICI Bank, Lucknow
03.2019 - 10.2022
MBA -
GLA UNIVERSITY
04.2001 -
BBA -
BBD UNIVERSITY
04.2001 -