Nitisha Chandra

• Conducting detailed due diligence on prospective borrowers to maintain high-quality lending portfolio standards and accountable for credit decisions on amounts up to Rs. 6.00 Crores
• Leading a team of skilled analysts responsible for overseeing the Emerging Corporates portfolio in the North Region
• Achieved a steady 30% year-over-year portfolio growth after transitioning to the Emerging Corporates segment as Regional Credit Manager.
• Actively participated in deal structuring and carried out comprehensive portfolio monitoring to ensure PDDs stayed within established limits, minimize delinquency, and secure timely exits in cases of early warning signals.
• Coordinated closely with compliance, legal, and risk teams to ensure that all credit transactions adhered to both internal policies and regulatory standards.
• Continuously analyzing macroeconomic indicators and industry trends to proactively adjust credit strategies and maintain portfolio stability.

• Performed detailed appraisals of both existing and prospective clients by employing rigorous analytical methodologies and financial assessments, ensuring every credit decision was well-informed.
• Oversaw a diversified portfolio exceeding Rs.1,200 crores, which included all major, high-ticket clients within the North region, thereby aligning portfolio growth with strategic business objectives.
• Utilized a multifaceted approach incorporating quantitative metrics and qualitative market intelligence to continuously monitor performance and adjust strategies in response to emerging risks.
• Engineered takeover deals for businesses and properties associated with underperforming accounts, ensuring timely exits and mitigating financial exposure.
• Established strong communication channels between various departments involved in the credit management process, fostering better collaboration and efficiency.
• Managed a diverse portfolio of clients, maintaining low delinquency rates through proactive account management.

Company Overview: A UK-based banking institution.

• Conducted detailed credit appraisals for the bank’s target clientele, including SMEs and mid-corporate entities, across various geographies. The credit facilities evaluated ranged from £0.1 million to £25 million.
• Performed comprehensive analyses of potential opportunities by examining specific transactions, structuring deals, defining suitable covenants, and establishing continuous monitoring mechanisms to ensure adherence to set parameters.
• Spearheaded a team of three professionals, managing daily workflow, mentoring, and nurturing the growth of management trainees, thereby fostering a culture of excellence and continuous development.
• Operated within a prestigious UK-based bank known for its robust financial services and commitment to client success.

Segment: Emerging Corporate Group (ECG) Credit

• Conducted comprehensive credit evaluations for both new applicants and existing clients, ensuring that all assessments were completed within the predefined turnaround times.
• Engineered optimal transaction frameworks designed to minimize the bank’s risk exposure while providing enhanced control over client accounts.
• Performed regular client and plant visits to maintain a current understanding of account statuses, allowing for the early identification and resolution of any risk triggers or delinquencies.
• Executed diligent portfolio monitoring strategies to limit slippage among accounts categorized as weak, thereby reinforcing overall portfolio stability.

Commercial Banking Group (CBG) Credit

• Conduct in-depth credit evaluations for prospective clients through the preparation of detailed proposal notes. This process entails a rigorous analysis of a client’s management quality, business model, industry positioning, and financial performance. It goes beyond mere number-crunching by delving into growth prospects, market trends, and strategic positioning to create a holistic view of the client’s creditworthiness.
• Assess potential customers by evaluating their market environments and aligning them with internal risk frameworks. This involves thorough due diligence—analyzing market opportunities, competitive landscapes, and understanding the client’s specific requirements—to ensure that all aspects of their business context are considered for an accurate risk profile.
• Continuously track economic indicators, industry developments, and changes in the financial parameters of clients. By doing so, you can promptly spot potential risk triggers or early signs of financial stress. Regular surveillance of macroeconomic trends, regulatory shifts, and sector-specific news enables the timely implementation of mitigation strategies to safeguard both the institution and the client’s interests.
• Synthesize all findings into clear, well-structured presentations for sanctioning committees. These presentations highlight the critical insights from the credit appraisal process, underscore areas of potential risk, and propose strategic recommendations. The goal is to provide the committee with a transparent, evidence-based rationale that supports informed decision-making and efficient credit approval processes.
• This role within the Commercial Banking Group Credit segment integrates a detailed assessment of client fundamentals, thorough market and industry analysis, and vigilant risk management. It is central to ensuring that the bank’s credit exposure is balanced with strategic opportunities, enabling sustainable growth while maintaining rigorous risk controls.

Company Overview: Transaction Advisory Services

• Performed extensive research and analysis to uncover potential value creation opportunities by evaluating target companies and their key performance metrics across various geographies. This approach was designed to identify areas for cost reduction and to maximize operational synergies.
• Conducted detailed operational and financial evaluations of diverse business segments to recommend candidates for divestiture. These recommendations were aimed at isolating segments with limited strategic fit, thereby unlocking additional shareholder value.
• Led a team of five professionals, taking responsibility for their career development and managing their annual performance appraisals to foster continuous growth and excellence within the division.

Company Overview: A Standard & Poor's Company

• Responsible for underwriting bank loan rating proposals for mid-market corporations by analyzing each company's business operations, financial performance, prevailing economic conditions, and the structural dynamics of their respective industries.
• Compiled detailed credit reports that incorporated comprehensive risk assessments. Presented and effectively defended these recommendations before a committee to facilitate informed decision-making.
• Communicated the reasoning behind the assigned ratings to clients by preparing and publishing in-depth rating rationale reports that clarified the methodologies and assumptions used.