Nikhil Bedi
@nikhilbedi
I build and manage corporate credit portfolios, structuring finance while controlling lending risk.
IndiaWhat I'm looking for
At Yes Bank, I managed a ₹1,000+ crore Mid-Corporate portfolio across Delhi NCR and Haryana, covering corporate relationships, credit monitoring, and portfolio growth. I evaluate financials, cash flows, leverage, liquidity, and repayment capacity to structure credit solutions that balance growth with risk.
I've prepared Credit Appraisal Memos for sanctions, renewals, enhancements, and NTB onboarding; driven acquisition and cross-sell opportunities; and monitored early warning signals to mitigate portfolio risk. My work also involves borrower due diligence, RBI compliance, and close coordination with credit, legal, operations, and product teams.
Previously, at TFCI I sourced ₹210 crore in loan proposals and prepared CAMs aggregating ₹115 crore across multiple sectors. At Aditya Birla Finance, I led pre-sanction assessment and underwriting for Mid-Corporate and Project Finance transactions, following earlier corporate client acquisition and post-disbursement work at Kotak Mahindra Bank.
Experience
Work history, roles, and key accomplishments
Assistant Vice President – Corporate Banking / Portfolio Manager
Yes Bank
Sep 2024 - Jul 2026 (1 year 10 months)
Managed a ₹1,000+ crore Mid-Corporate portfolio across Delhi NCR and Haryana, covering corporate relationships, credit monitoring, and portfolio growth. Evaluated corporate financials, prepared Credit Appraisal Memos, and drove NTB acquisition and cross-sell opportunities.
Manager
Tourism Finance Corporation of India Ltd. (TFCI)
Jun 2024 - Sep 2024 (3 months)
Sourced ₹210 crore of loan proposals and prepared Credit Appraisal Memos aggregating ₹115 crore across various sectors. Conducted financial statement analysis, financial modelling, and credit-risk assessment for structured and corporate lending transactions.
Senior Business Analyst
Aditya Birla Finance Ltd.
Sep 2018 - May 2024 (5 years 8 months)
Managed end-to-end pre-sanction assessment of Mid-Corporate and Project Finance transactions, including industry, management, financial, cash-flow, and sensitivity analysis. Underwrote credit proposals, prepared CAMs, and structured suitable credit facilities with focus on NTB client onboarding.
Supported corporate business acquisition by identifying and onboarding new clients to expand the banking portfolio. Managed post-disbursement activities including documentation, compliance verification, and operational coordination.
Education
Degrees, certifications, and relevant coursework
IBS Mumbai, ICFAI University
Master of Business Administration, Finance
MBA in Finance from IBS Mumbai, ICFAI University, completed in 2018.
Amity University
Bachelor of Commerce, Commerce
Bachelor of Commerce (Hons) from ACCF, Amity University, completed in 2015.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Job categories
Skills
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