Nishu Chaudhary

Credit risk function for borrowers in North India under global subsidiaries and large corporate in corporate banking.

• Managed the end-to-end documentation process for corporate loan transactions, ensuring the accuracy and completeness of all required documentation.
• Review and verify the loan agreement, security documents, and related legal paperwork to ensure compliance with regulatory requirements, and internal policies.
• Collaborated with internal and external legal counsel, and the relationship team, to facilitate the timely closing of loan transactions.
• Ensuring the tracking of various regulatory, credit monitoring items like stock statements, insurance policies, valuation reports, collateral audits, and ROC searches.
• Help to resolve discrepancies by providing solutions within the policies framework, and issues related to loan documentation, minimizing potential risks and delays.
• Contributed to the improvement of loan documentation processes and procedures, resulting in increased efficiency and accuracy
• Quantifiable achievement example: Maintained a 99% accuracy rate on all loan documentation, with a minimum of audit observations.
• Working with the Product team and the Governance Team for the formulation of new products, as well as the improvisation of the Bank’s products, as per the Customer’s needs.
• Participate in the bank’s overall risk management strategy with the relevant stakeholders, incorporating the same into day-to-day transaction-level procedures and processes.
• Own and drive relationships with key internal stakeholders for enhancing process improvement effectiveness.
• Develop teams through coaching and mentoring, and create growth opportunities for team members.
• Share broad experiences across the organization, and help build leaders of tomorrow.
• Proved successful working within tight deadlines and a fast-paced environment.

Team Size: 8 | Risk management function for borrowers in North and East India under Wholesale Banking.

• Managed the portfolio for the emerging local corporate segment and corporate finance (RHHE) segment.
• Checking of approved sanction notes, as per internal credit policies and RBI guidelines, in the lowest possible TAT.
• Preparation and checking of facility letters and loan documents for the North region for both fund-based and non-fund-based facilities.
• Scrutiny of loan documents, mortgage documents, and other security-related documents as per legal guidelines.
• Handling internal, external, concurrent, and statutory audits periodically.
• Preparing various management information systems (MIS) and monitoring.
• Checking of transactions done by the maker and the handling team of the maker involved in day-to-day business.
• Managing the post-disbursement activity of sanctioned loans, including disbursement, drawing power analysis for working capital loans, scrutiny of relevant transactional documents prior to the disbursement of loans, ensuring compliance with the organization's credit policies, and internal guidelines.
• Credit monitoring of the wholesale banking portfolio by tracking and testing various covenants related to project financing, such as DCCO, and reviewing LRD loans.
• Monitoring the drawing power of cash credit customers, and current asset analysis for all working capital customers.
• Monitoring of the existing portfolio on various parameters.
• Working with the Product Team for the formulation of new products, as well as the improvisation of the Bank’s products, as per the customer’s needs.
• Handling customer-centric banking operations and ensuring satisfaction by achieving delivery and service quality norms.
• Interacting directly with the Relationship Manager and visiting customers, the Product Manager addresses queries and issues to their optimum satisfaction, resolving crucial issues.
• Effectively managing Customer Relation Operations and ensuring maximum Customer Satisfaction by reducing TAT and maintaining SLA for all segments through continuous improvement of systems and processes.
• Providing direction, motivation, and training to the team to enhance capacity and capability to achieve efficiency and scale.
• Responsible for recruiting, mentoring, and training personnel to deliver high-quality service for the customer.
• Established a high-performance culture within the team by setting clear expectations and providing regular feedback on individual performance contributions.
• Increased efficiency by streamlining processes and implementing new software tools for the team.

Risk management function for borrowers in North and East India under Wholesale Banking.

• Comply with the Bank’s credit policy, RBI guidelines, and other regulatory and statutory norms.
• Ensuring all pre- and post-disbursement checks are conducted as per the committed service level agreements (SLAs) and the bank’s credit policy.
• Ensuring effective management of day-to-day processes, with nil operational loss.
• Monitoring of credit limits, outstanding loans.
• Highlighting security deficiencies, like DSRA, CERSAI, and CHG-1 charge filing.
• Tracking of DP monitoring and internal covenants for committed and uncommitted facilities.
• Ensuring NIL Ops loss, revenue leakage.

Designated as Branch Operation Manager with HDFC Bank Limited, Gurgaon.

• Managed and motivated employees to be productive and engaged in work.
• Instrumental in conducting the Managed Service Delivery activities.
• Successfully managed branch administration, general reconciliation, and compliance, including the following activities:
• Dual control of cash functions.
• Control of security stationery.
• Review of processing entries and vouchers.
• Review of reconciliation proofs for daily control, as well as surprise audit proofing.
• Rectification of internal control issues.
• Supervise and monitor personal bankers and contract staff in terms of productivity and other issues.
• Resolution of customer queries and complaints.
• Customer service to ensure walk-in customers' issues.
• Checking of the Account Opening form, Fixed Deposit Form, and Recurring Deposit Form for resident and non-resident accounts.
• Monitoring all dummy accounts.
• Branch administration.
• Retention of the existing portfolio.
• Corporate salary processing.
• Branch Operations and Audit Compliance.
• Accomplished multiple tasks within established timeframes.

• Designated as Customer Care Officer in the Credit Card Department.
• Meeting the required standard of customer delight, and achieving the cross-selling target.
• Resolving customer queries relating to their credit cards over the phone.
• Handling escalations and pacifying customers.
• Handling customer grievances in writing.
• Handled difficult situations calmly, maintaining professionalism at all times.
• Managed high call volumes with exceptional time management and multitasking skills.

• Designated as a customer service executive at Reliance Web World Concept.
• Direct customer interface.
• Preparing daily sales reports.
• Dealing with customer queries and suggestive selling.
• Achieving the sales target.
• Enhanced customer satisfaction by promptly addressing inquiries and resolving issues.
• Managed high volume of inbound calls while maintaining a professional demeanor and ensuring timely resolution of issues.