Nishant Khatri
Jaipur
Summary
As a qualified Chartered Accountant from the Nov 2015 batch, I bring extensive experience in credit underwriting for MSME and Home Loans. Currently associated with MS Fincap Pvt Ltd ,a startup NBFC for developing business models and setup stable NBFC with healthy portfolio. Also worked as Partner in Greenfinch Global Consulting (GGC) which is revolutionizing the Indian Lending Industry with a unified lending services utility. Partnered with 45+ Banks and FIs in 10+ states, GGC covers 14000+ pincodes across India. Had worked with Aavas Financiers Ltd. as AVP Credit at Aavas Financiers Ltd, managed 16 branches in the Madhya Pradesh state/mahakaushal region, leading a team of underwriters and driving the development of a high-quality loan portfolio. Prior experience at Fullerton India Credit Company Ltd, IDFC First Bank, and AU Small Finance Bank Ltd has equipped me to handle varying requirements across states such as Rajasthan, UP, MP and Karnataka. Noteworthy projects include spearheading initiatives like "Loan on Phone" and "Business Booster" to drive organizational growth
Overview
10
10
years of professional experience
Work History
REGIONAL CREDIT MANAGER
MS FINCAP PVT LTD
JAIPUR
04.2026 - Current
- Handled high ticket cases for affluent verticals across PAN India, focusing on LAP loans exceeding 50 lakhs
- Developing underwriting model for company for setting up quality portfoilio and growing AUM up to 5000 crore
- Managed 30 branches with a team of 20 BCMs, ensuring consistent performance and compliance
- Oversaw underwriting processes for MSME retail small ticket size business across North Rajasthan and Uttar Pradesh
Partner
Greenfinch Tech Process Pvt Ltd
Lucknow
02.2025 - 03.2026
- Worked as a Partner currently Handling Uttar Pradesh and Uttarakhand for GFGC which is providing unified lending services.
- Supervised the team of around 20 underwriters for customer PDs and doing multiple checks like Crime Check, Vehicle Check, GST/ITR /KYC checks
- Providing Underwriting Services for Multiple organisations including Banks, NBFCs, HFCs which includes customer assessment , cash flow analysis, TPC checks, financial checks , CAM preparation.
- Worked for AI based technology for underwriting and CAM preparation.
- Worked for the organisation's vision of revolutionising the Indian Lending Industry with a unified lending services utility supported by world-class technology, governance framework.
State Credit Manager
Aavas Financiers Ltd.
Jabalpur
06.2022 - 02.2025
- Managed MP area currently handling Mahakaushal area for HL and LAP cases underwriting and portfolio management
- Improved collection efficiency and portfolio quality in challenging locations within MP, enhancing overall financial performance.
- Built underwriters team for MP region and mentored junior team members fostering a culture of continuous learning and professional development with the department.
- Provided senior management with strategic recommendations based on analysis of state-wise portfolio performance and legal and technical issues in Rajasthan, MP, and Karnataka.
Portfolio Credit Manager
AU SMALL FINANCE BANK
JAIPUR
01.2020 - 06.2022
- Oversaw portfolio management to ensure compliance and maximise performance.
- Calculated Probability of Default (PD) to enhance risk assessment accuracy.
- Underwrote MSME loans up to 1.5 crores, streamlining customer underwriting process for efficiency.
Credit Manager
IDFC FIRST BANK LTD.
JAIPUR
09.2017 - 01.2020
- Assessed creditworthiness and risk by analysing and underwriting loans for customers
- Launched MBL product in collaboration with senior management to align with organisational goals
- Managed credit risk assessments and conducted financial analyses to minimise defaults on payments.
- Analysed client records to assess financial viability of lending applications.
- Coordinated with sales and customer service departments to align credit policies with business objectives.
Cluster Credit Manager
Fullerton India Credit Company Pvt Ltd
Jhunjhunu
03.2016 - 09.2017
- Promoted from MT to Cluster Risk Manager within one year, demonstrating quick adaptation and capability.
- Managed underwriting and internal audit for three branches while leading a team to ensure compliance and risk mitigation.
- Managed credit risk assessments and conducted financial analyses to minimise defaults on payments.
- Analysed client records to assess financial viability of lending applications.
- Coordinated with sales and customer service departments to align credit policies with business objectives.
Education
CA -
The Institute of Chartered Accountants of India
B.Com -
Rajasthan University
Jaipur, IN-RJSkills
- Risk assessment
- Credit analysis
- Portfolio management
- Underwriting strategy
- Data analysis
Timeline
REGIONAL CREDIT MANAGER
MS FINCAP PVT LTD
04.2026 - Current
Partner
Greenfinch Tech Process Pvt Ltd
02.2025 - 03.2026
State Credit Manager
Aavas Financiers Ltd.
06.2022 - 02.2025
Portfolio Credit Manager
AU SMALL FINANCE BANK
01.2020 - 06.2022
Credit Manager
IDFC FIRST BANK LTD.
09.2017 - 01.2020
Cluster Credit Manager
Fullerton India Credit Company Pvt Ltd
03.2016 - 09.2017
CA -
The Institute of Chartered Accountants of India
B.Com -
Rajasthan University