Summary
Overview
Work History
Education
Skills
Timeline
Generic

Nitisha Chandra

Credit Underwriting
Noida

Summary

Regional credit management professional with solid background in credit underwriting, risk assessment, financial analysis, and portfolio management. Skilled in developing deal structure and mitigate risks while driving portfolio quality. Strong focus on team collaboration and achieving results, consistently adaptable to changing needs. Known for excellent communication, problem-solving abilities, and commitment to maintaining high standards.

Overview

17
17
years of professional experience
2000
2000
years of post-secondary education
2
2
Languages

Work History

Regional Credit Manager (Emerging Corp)

Tata Capital Ltd
06.2023 - Current
  • Credit decisioning of up to INR 60 million.
  • Leading a team of seasoned analysts, to manage portfolio of Emerging Corporates for North Region.
  • Portfolio is growing by 30% y-o-y since I've moved to EC segment as RCM.
  • Involved in deal structuring and thorough portfolio monitoring ensuring PDDs within defined limits, lower delinquency, and timely exit in case of EWS.

Area Credit Manager (Mid Corp)

Tata Capital Ltd
10.2018 - 05.2023
  • Credit appraisal of existing and new clients.
  • Handle a portfolio of over Rs.1,200 crores, comprising of all high-ticket sized customer of North region.
  • Thorough portfolio monitoring through various means, including accessing market intelligence.
  • Arranged deals for takeover of business/ properties of weak accounts, to ensure timely exit.

Assistant Vice President, Credit

Oaknorth Bank
05.2018 - 10.2018
  • Company Overview: UK based bank
  • Credit appraisals for bank’s target customers- SME’s and Mid-corporate across geographies, with ticket size ranging £0.1mn to £25mn.
  • Analysis of potential opportunities which involved analyzing specific transactions, deal structuring, stipulating covenants and monitoring.
  • Led a team of three members, involving responsibility of workflow management; mentor and develop management trainees.
  • UK based bank

Assistant Vice President, Credit & Risk

HDFC Bank
09.2017 - 05.2018
  • Segment: Emerging Corporate Group (ECG) Credit
  • Credit appraisal of New to Bank and review of existing clients within defined TAT.
  • Transaction structuring in best possible manner, to safeguard Bank’s exposure and better control over the account.
  • Client and plant visits at regular intervals, to remain up to date on accounts and address triggers/ delinquencies at the earliest, if any.
  • Portfolio monitoring to ensure minimal slippage of accounts in weak category.
  • Emerging Corporate Group (ECG) Credit

Assistant Vice President, Credit

IndusInd Bank
05.2015 - 09.2017
  • Segment: Commercial Banking Group (CBG) Credit
  • Credit appraisal of prospective clients, which included preparation of proposal notes, covering detailed analysis of management, business, industry and financial.
  • PDs: To evaluate prospective customer and market and understand clients’ requirement.
  • Monitoring economic and industry developments, and financial parameters of clients, to detect potential risk triggers or signs of stress and taking steps to mitigate risks.
  • Make presentation to sanctioning committees.
  • Commercial Banking Group (CBG) Credit

Assistant Manager, Business Pursuits

Ernst & Young
03.2014 - 10.2014
  • Company Overview: Transaction Advisory Services
  • Strategic acquisition opportunities: Research and analysis of potential value creation opportunities involving analyzing target Company and its key metrics across different geographies, to identify opportunities for cost savings and maximizing synergies.
  • Divestiture analysis: Analyzing various business segments, which involves operational and financial analysis, recommending. business segment for potential divestiture which could lead to additional value for shareholders.
  • Led a team of 5 members involving responsibility of their career development and annual performance appraisals.
  • Transaction Advisory Services

Manager, Bank Loan Rating

CRISIL Ltd.
11.2008 - 02.2014
  • Company Overview: A Standard & Poor's Company
  • Underwriting Bank Loan Rating proposals for mid sector corporate focusing on company's business & financial, current economic situation and industry structure.
  • Credit Report and Presentation: Prepared exhaustive credit report with overall risk assessment analysis and presenting and defending the recommendation in committee.
  • Rating Rationale and Report: Communicating rationale of rating assigned to customer, prepared and published detailed rating rationale and reports.
  • Was awarded ‘Acknowledging and Celebrating Excellence’.
  • A Standard & Poor's Company

Education

AISSE -

Maharishi Vidya Mandir

AISSCE - Commerce Stream

Birla Balika Vidyapeeth

B.COM (HONS) - undefined

Delhi College of Arts and Commerce

Master of Management - Finance

K. J. Somaiya Institute Of Management Studies & Research

Skills

Financial Analysis

Credit risk assessment

Underwriting expertise

Risk assessments

Credit analysis

Financial forecasting

Credit evaluations

Loan decision assessments

Decision-making

Financial analysis

Timeline

Regional Credit Manager (Emerging Corp)

Tata Capital Ltd
06.2023 - Current

Area Credit Manager (Mid Corp)

Tata Capital Ltd
10.2018 - 05.2023

Assistant Vice President, Credit

Oaknorth Bank
05.2018 - 10.2018

Assistant Vice President, Credit & Risk

HDFC Bank
09.2017 - 05.2018

Assistant Vice President, Credit

IndusInd Bank
05.2015 - 09.2017

Assistant Manager, Business Pursuits

Ernst & Young
03.2014 - 10.2014

Manager, Bank Loan Rating

CRISIL Ltd.
11.2008 - 02.2014

AISSCE - Commerce Stream

Birla Balika Vidyapeeth

B.COM (HONS) - undefined

Delhi College of Arts and Commerce

Master of Management - Finance

K. J. Somaiya Institute Of Management Studies & Research

AISSE -

Maharishi Vidya Mandir

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