Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Nishu Chaudhary

Gurgaon

Summary

Dynamic professional with extensive experience in credit risk management at Standard Chartered Bank. Proven track record in achieving 99% accuracy in loan documentation and enhancing stakeholder engagement. Skilled in compliance verification and team leadership, driving process improvements that minimize risks and ensure regulatory adherence.

Overview

21
21
years of professional experience

Work History

<ul> <li>Led a team of three in the credit risk function for borrowers in North India.</li> <li>Managed complete documentation process for corporate loans, ensuring accuracy and regulatory compliance.</li> <li>Reviewed legal documents to verify compliance with internal policies and regulations.</li> <li>Collaborated with legal counsel and relationship teams to close transactions promptly.</li> <li>Resolved loan document discrepancies within policy framework, minimizing risks and delays.</li> <li>Improved loan documentation processes, achieving a 99% accuracy rate.</li> <li>Partnered with product and governance teams to refine banking products based on customer needs.</li> <li>Directed relationship management efforts to enhance stakeholder engagement and process improvements.</li> </ul>

Standard Chartered Bank
Gurgaon
06.2022 - Current
  • Led a team of three in the credit risk function for borrowers in North India.
  • Managed complete documentation process for corporate loans, ensuring accuracy and regulatory compliance.
  • Reviewed legal documents to verify compliance with internal policies and regulations.
  • Collaborated with legal counsel and relationship teams to close transactions promptly.
  • Resolved loan document discrepancies within policy framework, minimizing risks and delays.
  • Improved loan documentation processes, achieving a 99% accuracy rate.
  • Partnered with product and governance teams to refine banking products based on customer needs.
  • Directed relationship management efforts to enhance stakeholder engagement and process improvements.

<ul> <li>Oversaw risk management function for borrowers in North and East India under Wholesale Banking.</li> <li>Managed portfolio in Emerging Local Corporate segment and Corporate Finance segment for two years.</li> <li>Verified approved sanction notes in accordance with internal credit policies and RBI guidelines.</li> <li>Prepared and checked facility letters and loan documents for North region's fund-based and non-fund-based facilities.</li> <li>Scrutinized loan, mortgage, and security-related documents per legal guidelines.</li> <li>Conducted periodic internal, external, concurrent, and statutory audits.</li> <li>Monitored transactions executed by makers while supervising day-to-day business operations.</li> <li>Directed post-disbursement activities of sanctioned loans, ensuring compliance with credit policies.</li> </ul>

Yes Bank Ltd.
Gurgaon
02.2014 - 06.2022
  • Oversaw risk management function for borrowers in North and East India under Wholesale Banking.
  • Managed portfolio in Emerging Local Corporate segment and Corporate Finance segment for two years.
  • Verified approved sanction notes in accordance with internal credit policies and RBI guidelines.
  • Prepared and checked facility letters and loan documents for North region's fund-based and non-fund-based facilities.
  • Scrutinized loan, mortgage, and security-related documents per legal guidelines.
  • Conducted periodic internal, external, concurrent, and statutory audits.
  • Monitored transactions executed by makers while supervising day-to-day business operations.
  • Directed post-disbursement activities of sanctioned loans, ensuring compliance with credit policies.

<ul> <li>Promoted from Senior Manager to Assistant Vice President in 2018.</li> <li>Ensured compliance with credit policies, RBI guidelines, and regulatory norms.</li> <li>Monitored pre and post-disbursement checks in line with SLAs and credit policy.</li> <li>Managed daily operations, achieving zero operational loss.</li> <li>Implemented internal checks and controls using the Maker/Checker concept.</li> <li>Oversaw credit limits and outstanding loan monitoring.</li> <li>Highlighted security deficiencies in DSRA and tracked resolutions.</li> <li>Booked and serviced loans promptly, preventing revenue leakage.</li> </ul>

Yes Bank Limited
02.2014 - 05.2022
  • Promoted from Senior Manager to Assistant Vice President in 2018.
  • Ensured compliance with credit policies, RBI guidelines, and regulatory norms.
  • Monitored pre and post-disbursement checks in line with SLAs and credit policy.
  • Managed daily operations, achieving zero operational loss.
  • Implemented internal checks and controls using the Maker/Checker concept.
  • Oversaw credit limits and outstanding loan monitoring.
  • Highlighted security deficiencies in DSRA and tracked resolutions.
  • Booked and serviced loans promptly, preventing revenue leakage.

<ul> <li>Served as Personal Banker Authorizer for HDFC Bank Limited, overseeing service delivery activities.</li> <li>Managed branch administration and ensured compliance through general reconciliation tasks.</li> <li>Implemented dual control of cash functions and monitored security stationery management.</li> <li>Reviewed processing entries, vouchers, and daily reconciliation proofs for accuracy.</li> <li>Resolved internal control issues through systematic rectification processes.</li> <li>Supervised personal banker and contract staff to enhance productivity and address operational challenges.</li> <li>Handled customer queries and ensured prompt resolution of complaints for walk-in clients.</li> <li>Checked account opening forms and deposit applications for residents and non-residents to maintain compliance.</li> </ul>

HDFC Bank Ltd
Gurgaon
06.2007 - 02.2014
  • Served as Personal Banker Authorizer for HDFC Bank Limited, overseeing service delivery activities.
  • Managed branch administration and ensured compliance through general reconciliation tasks.
  • Implemented dual control of cash functions and monitored security stationery management.
  • Reviewed processing entries, vouchers, and daily reconciliation proofs for accuracy.
  • Resolved internal control issues through systematic rectification processes.
  • Supervised personal banker and contract staff to enhance productivity and address operational challenges.
  • Handled customer queries and ensured prompt resolution of complaints for walk-in clients.
  • Checked account opening forms and deposit applications for residents and non-residents to maintain compliance.

<ul> <li>Achieved sales targets while ensuring high standards of customer satisfaction.</li> <li>Resolved customer inquiries regarding credit cards via phone.</li> <li>Addressed escalated issues and diffused customer complaints effectively.</li> <li>Managed written customer grievances to provide timely resolutions.</li> </ul>

Standard Chartered Bank
10.2005 - 06.2007
  • Achieved sales targets while ensuring high standards of customer satisfaction.
  • Resolved customer inquiries regarding credit cards via phone.
  • Addressed escalated issues and diffused customer complaints effectively.
  • Managed written customer grievances to provide timely resolutions.

<ul> <li>Facilitated direct customer interactions to enhance service quality.</li> <li>Achieved sales targets through effective suggestive selling techniques.</li> <li>Prepared daily sales reports to monitor performance metrics.</li> <li>Addressed customer queries promptly to ensure satisfaction.</li> </ul>

Reliance Infocomm Ltd
06.2004 - 10.2005
  • Facilitated direct customer interactions to enhance service quality.
  • Achieved sales targets through effective suggestive selling techniques.
  • Prepared daily sales reports to monitor performance metrics.
  • Addressed customer queries promptly to ensure satisfaction.

Education

Bachelor of Commerce - Honor’s

Delhi
Delhi
06-2004

Senior Secondary - Commerce

New Delhi
New Delhi

Higher Secondary -

New Delhi
New Delhi

Skills

  • Credit risk and portfolio management
  • Compliance and regulatory adherence
  • Loan documentation accuracy
  • Stakeholder engagement and communication
  • Process improvement and problem solving
  • Team leadership and organization
  • Credit risk management
  • Compliance verification
  • Loan documentation
  • Regulatory adherence
  • Portfolio management
  • Stakeholder engagement

Accomplishments

  • 20 years of multi-faceted experience in handling portfolio management, wholesale banking, risk management, corporate banking, global subsidiaries for corporate banking, branch banking operations, business development, and client servicing
  • Presently designated as Associate Client Delivery in the Client Management Function (CMF) with Standard Chartered Bank
  • Progressive learning experiences have been recognized for their passion for surpassing financial and service objectives through a combination of world-class service delivery and lean operating methods
  • Demonstrated skills in relationship management with an in-depth understanding of formalities, as well as transaction processing for ensuring compliance
  • Possess excellent interpersonal, communication, and analytical skills, with demonstrated abilities in customer relationship management
  • Implementation and credit monitoring by identifying early signals of stress in accounts and reporting to management
  • Part of the core committee for technological projects related to upgradation, migration, including customization for risk management
  • Managing the operational risk management framework for the unit, including BCP testing, incident reporting, as well as highlighting and identifying gaps and process modifications, along with periodic reviews of all risk acceptance within the unit

Timeline

<ul> <li>Led a team of three in the credit risk function for borrowers in North India.</li> <li>Managed complete documentation process for corporate loans, ensuring accuracy and regulatory compliance.</li> <li>Reviewed legal documents to verify compliance with internal policies and regulations.</li> <li>Collaborated with legal counsel and relationship teams to close transactions promptly.</li> <li>Resolved loan document discrepancies within policy framework, minimizing risks and delays.</li> <li>Improved loan documentation processes, achieving a 99% accuracy rate.</li> <li>Partnered with product and governance teams to refine banking products based on customer needs.</li> <li>Directed relationship management efforts to enhance stakeholder engagement and process improvements.</li> </ul>

Standard Chartered Bank
06.2022 - Current

<ul> <li>Oversaw risk management function for borrowers in North and East India under Wholesale Banking.</li> <li>Managed portfolio in Emerging Local Corporate segment and Corporate Finance segment for two years.</li> <li>Verified approved sanction notes in accordance with internal credit policies and RBI guidelines.</li> <li>Prepared and checked facility letters and loan documents for North region's fund-based and non-fund-based facilities.</li> <li>Scrutinized loan, mortgage, and security-related documents per legal guidelines.</li> <li>Conducted periodic internal, external, concurrent, and statutory audits.</li> <li>Monitored transactions executed by makers while supervising day-to-day business operations.</li> <li>Directed post-disbursement activities of sanctioned loans, ensuring compliance with credit policies.</li> </ul>

Yes Bank Ltd.
02.2014 - 06.2022

<ul> <li>Promoted from Senior Manager to Assistant Vice President in 2018.</li> <li>Ensured compliance with credit policies, RBI guidelines, and regulatory norms.</li> <li>Monitored pre and post-disbursement checks in line with SLAs and credit policy.</li> <li>Managed daily operations, achieving zero operational loss.</li> <li>Implemented internal checks and controls using the Maker/Checker concept.</li> <li>Oversaw credit limits and outstanding loan monitoring.</li> <li>Highlighted security deficiencies in DSRA and tracked resolutions.</li> <li>Booked and serviced loans promptly, preventing revenue leakage.</li> </ul>

Yes Bank Limited
02.2014 - 05.2022

<ul> <li>Served as Personal Banker Authorizer for HDFC Bank Limited, overseeing service delivery activities.</li> <li>Managed branch administration and ensured compliance through general reconciliation tasks.</li> <li>Implemented dual control of cash functions and monitored security stationery management.</li> <li>Reviewed processing entries, vouchers, and daily reconciliation proofs for accuracy.</li> <li>Resolved internal control issues through systematic rectification processes.</li> <li>Supervised personal banker and contract staff to enhance productivity and address operational challenges.</li> <li>Handled customer queries and ensured prompt resolution of complaints for walk-in clients.</li> <li>Checked account opening forms and deposit applications for residents and non-residents to maintain compliance.</li> </ul>

HDFC Bank Ltd
06.2007 - 02.2014

<ul> <li>Achieved sales targets while ensuring high standards of customer satisfaction.</li> <li>Resolved customer inquiries regarding credit cards via phone.</li> <li>Addressed escalated issues and diffused customer complaints effectively.</li> <li>Managed written customer grievances to provide timely resolutions.</li> </ul>

Standard Chartered Bank
10.2005 - 06.2007

<ul> <li>Facilitated direct customer interactions to enhance service quality.</li> <li>Achieved sales targets through effective suggestive selling techniques.</li> <li>Prepared daily sales reports to monitor performance metrics.</li> <li>Addressed customer queries promptly to ensure satisfaction.</li> </ul>

Reliance Infocomm Ltd
06.2004 - 10.2005

Bachelor of Commerce - Honor’s

Delhi

Senior Secondary - Commerce

New Delhi

Higher Secondary -

New Delhi

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Nishu Chaudhary