Nityananda Kalia
Hyderabad
Summary
Relationship manager with 2+ years in construction finance, specializing in residential and commercial projects. Expertise includes financial statement analysis, cash flow projection, and project risk assessment. Skilled in structuring funding solutions while ensuring compliance with RBI and internal credit guidelines. Proven ability to manage client relationships effectively and prepare detailed term sheets and credit notes.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Relationship Manager
ICICI BANK LTD
Hyderabad
08.2023 - Current
- Handled an INR 2000 Mn construction loan book in Hyderabad across residential and commercial projects.
- Conducted detailed due diligence and collaborated with credit and risk teams for funding approvals.
- Collaborated with technical and legal teams to ensure project evaluation was done within the timeline.
- Negotiated with clients on rate, sanction terms, and disbursement schedules, ensuring both client satisfaction and bank profitability.
- Monitored project progress, ensuring timely disbursement aligned with construction milestones.
- Responsible for a 10% increase in wallet share in home loans and RERA accounts by cross-selling to real estate developers.
- Collaborated with other teams to create business pipeline reports and presentations using MS Excel and MS PowerPoint.
Management Trainee
Digit General Insurance LTD
Hyderabad
06.2022 - 08.2023
- Implemented In-house TPA feature for GMC, thereby reducing claim TAT & increased new client acquisition by 10%.
- Coordinated with TPAs and claim teams, for faster settlement of hospitalized claims thereby streamlined operational work.
- Experienced in creating sales dashboard, analyzing claim mis reports, making presentations by using tools SQL, Excel.
Senior Engineer
HSIL
10.2015 - 07.2019
- Managed 10% cost reduction of slip by developing SGS Clay Slip product which is a very good alternative to existing slip.
- Developed Photoluminescent glaze as per market need, did user research, defined success metric and created PRDs.
- Implemented dust recycling, water sprinkler system to remove cracks from fired pieces, thereby reduced 5% operation cost.
Education
PGDM -
Management Development Institute
Murshidabad04-2022
B.Tech - Ceramic Engineering
National Institute of Technology
Rourkela04-2015
Skills
- Financial statement Analysis
- Ratio analysis
- Cashflow projection
- Lending operation
- Price negotiation
- Risk assessment
- Customer relationship management
- Loan sanctioning
Certification
- Certified in Accounting & Financial Statement Analysis, Udemy, 2025
- Certification Program in Real Estate Finance, CRISIL, 2024
- Certified in Advanced Excel, Power BI workshop, Havish M. Consulting, 2021
- Certified Lean Six Sigma Green Belt, KPMG, 2021
- Certified Marketing Professional CMP Level One, 2020
Timeline
Relationship Manager
ICICI BANK LTD
08.2023 - Current
Management Trainee
Digit General Insurance LTD
06.2022 - 08.2023
Senior Engineer
HSIL
10.2015 - 07.2019
PGDM -
Management Development Institute
B.Tech - Ceramic Engineering
National Institute of Technology
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