NITIN RANA
New Delhi
Summary
Results-driven credit analyst with 9 years of experience evaluating and assessing credit risk for individual and corporate clients. Skilled in financial statement analysis & risk assessment, with a strong understanding of industry regulations and banking products. Conducts in-depth due diligence, prepares detailed credit reports, and presents findings to senior management. Proficient in using advanced financial tools and software to monitor credit portfolios, identify potential risks, and recommend credit solutions. Committed to maintaining high standards of accuracy and compliance while delivering exceptional service in fast-paced environments.
Overview
9
9
years of professional experience
Work History
SENIOR CREDIT ANALYST
Kotak Mahindra Bank
12.2022 - Current
- Managed and analyzed a portfolio of INR 6500.0 MN consisting of fund-based and non-fund based products, ensuring optimal risk management and portfolio performance
- Conducted detailed credit analysis, banking analysis, and proposed banking solutions to meet clients' needs effectively
- Fostered positive relationships with clients, delivering exceptional customer service, and acting as a trusted advisor for their financial requirements
- Ensured compliance with all internal and external regulations and guidelines, mitigating the risk of potential penalties and reputational damage
- Prepared comprehensive credit proposals for senior management assessment, highlighting key risks, mitigating factors, and making recommendations for credit approval
- Collaborated with cross-functional teams to identify business growth opportunities while maintaining a strong focus on risk management
- Awarded best credit analyst for H2 FY 2024.
REGIONAL HEAD SALES - SME
ICICI Bank Limited
10.2021 - 11.2022
- Managed portfolio of 120 clients, Understanding their business model and working capital requirement
- Provided tailor made solutions to them
- Coordinated with 16 branches to generate new business and clients, leveraging my knowledge of industry and market Share in Rohtak region of ICICI bank was increased from 4% to 11% in span of 1 year
- Revenue Maximization by cross selling products to mapped portfolio, increasing wallet share per client and fire-walling to have maximum retention of portfolio
- NII was increased from 1.5 % to 1.8 % per customer
- Further, advisory services for third party products like insurances, mutual funds & De-mat services were provided to client
- Maintaining risk-based ROI to help bank minimize risk while maximizing returns and building strong, long-term relationships with clients
- Book size was improved from INR 4000.0 Cr to INR 6000.0 MN
- Ensuring compliance with all company policies and regulations related to credit and portfolio management, upholding bank's reputation while maintaining integrity of bank's risk management policies
- Lead and motivated team of 5 members, providing coaching and support to help them achieve their full potential and managing risks associated
- Maintaining MIS and providing them regular feedback to improve performance
SOLUTION MANAGER - SME
ICICI Bank Limited
11.2015 - 12.2021
- Expertise in financial analysis, knowledge of products on both asset and liabilities side & commitment to quality service make me an ideal candidate for financial professional role
- In-depth understanding of both fund-based and non-fund-based assets products, providing comprehensive solutions to clients
- Having experience of selling Fx working capital products and structured deals
- Increased book size of Jalandhar location from INR 2500.0 MN to INR 4000.0 MN in span of 2 years
- Net interest income of branch was increased to INR 3.5 Cr from INR 2.5 Cr
- Proven track record of maintaining high productivity levels while ensuring compliance and delivering timely service
Education
PGDM - Banking And Insurance
Manipal University
Bengaluru, KA02.2016
B.E - Electrical And Power
KITS Ramtek
Nagpur07.2014
High School Diploma -
Army Public School CBSE
Jammu04.2010
Executive MBA -
Indian Institute of Management Kozhikode
Kozhikode02-2027
Skills
- Sales & Portfolio Management
- Financial Advisory
- Risk management expertise
- Credit risk analysis
- Analytical Skills
- Compliance Management
- Credit research
- Credit risk
Languages
English
Timeline
SENIOR CREDIT ANALYST
Kotak Mahindra Bank
12.2022 - Current
REGIONAL HEAD SALES - SME
ICICI Bank Limited
10.2021 - 11.2022
SOLUTION MANAGER - SME
ICICI Bank Limited
11.2015 - 12.2021
PGDM - Banking And Insurance
Manipal University
B.E - Electrical And Power
KITS Ramtek
High School Diploma -
Army Public School CBSE
Executive MBA -
Indian Institute of Management Kozhikode
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