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Nidhi Sharma

@nidhisharma7

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Senior banking credit & risk leader improving loan approvals and compliance through data-driven underwriting.

Zimbabwe

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What I'm looking for

I’m looking for a role where I can lead credit underwriting and risk initiatives, strengthen AML/KYC compliance, and improve loan approvals and portfolio quality with data-driven models—while mentoring teams and partnering cross-functionally to deliver fast, high-quality decisions.

I’m an accomplished Senior Manager in credit underwriting and relationship management, with 9 years of credit underwriting expertise and 15 years overall in banking. I specialize in credit analysis, risk management, banking regulations, and financial analysis, using advanced data analysis to rebuild missing information and strengthen decision quality.

Across my roles, I’ve driven measurable underwriting and portfolio outcomes—improving loan approvals by 20% while maintaining minimal risk, increasing approvals by 30% through a risk-based pricing model, and reducing NPAs by 10% over a year. I also streamline processes by implementing advanced financial modeling software, accelerating forecasting and underwriting cycles while improving accuracy and customer satisfaction.

Just as importantly, I lead with compliance and controls: I’ve managed AML, KYC, and Basel III adherence, resolved audit communication discrepancies quickly, and delivered zero non-compliance findings through pre-audit checklists and mock audits. I’m passionate about building cross-functional clarity, mentoring teams, and using tools like Early Warning Systems to reduce delinquency and protect credit performance.

Experience

Work history, roles, and key accomplishments

Relationship Manager (AVP2)

IndusInd Bank

Aug 2025 - Feb 2026 (6 months)

Managed a portfolio of 20 mid-corporate clients, driving relationship management and business growth. Delivered 20% portfolio growth from ₹200 Cr to ₹240 Cr within 4 months while maintaining high customer satisfaction and long-term retention.

Relationship Management Credit Portfolio Management Credit Analysis Risk Assessment Financial Analysis Loan Underwriting Regulatory Compliance Cash Flow Analysis Financial Statements AML KYC Business Development Customer Service Negotiation Leadership

Senior Manager

Bank of Maharashtra

Jul 2020 - Mar 2025 (4 years 8 months)

Enhanced credit underwriting with a risk-based pricing model and localized credit analysis approach, boosting loan approvals by 30% and reducing NPAs by 10% over a year. Led AML/KYC and regulatory compliance initiatives (including Basel III adherence), streamlined underwriting with financial modeling software, and improved customer satisfaction through training and audit readiness.

Risk Assessment Credit Analysis Loan Underwriting Risk Based Pricing Cash Flow Analysis Financial Analysis Financial Modeling Financial Statements Regulatory Compliance AML KYC Compliance Audits Mock Audits Loan Restructuring Customer Satisfaction Leadership

Manager

Bank of Maharashtra

Dec 2013 - Nov 2016 (2 years 11 months)

Launched and led a cross-training program to improve operational continuity and reduce workflow disruptions during peak periods. Used advanced financial analysis to reconstruct missing data and optimize corporate loan underwriting, increasing approved loans by 20% and improving customer satisfaction and turnaround times while reducing defaults.