Nishkarsh Dewangan
@nishkarshdewangan
Cluster Manager at Muthoot Money Ltd, managing Gold Loan business across 8 branches with a focus on portfolio quality and risk control.
IndiaWhat I'm looking for
At Muthoot Money Ltd, I manage Gold Loan business across 8 branches, focusing on AUM growth, customer acquisition, and portfolio quality.
Before that, as an Executive at Muthoot Finance Ltd, I managed Gold Loan and Micro PL disbursal, credit, collections, NPA resolution, renewals, and settlements. I also handled KYC, branch accounting, and cash management.
At Aadi Auto Deal, I handled loan and insurance sales, customer acquisition, and product advisory based on customer requirements, while supporting sales operations and customer service.
I have an MBA in Finance and experience in credit assessment, risk management, collections, and branch operations. My certifications include retail credit assessment, BFSI, financial planning, and investment analysis.
Experience
Work history, roles, and key accomplishments
Cluster Manager
Muthoot Money Ltd
May 2026 - Oct 2026 (5 months)
Managed Gold Loan business across 8 branches, focusing on AUM growth, customer acquisition, and portfolio quality. Led branch teams to improve productivity, target achievement, risk control, and operational efficiency.
Executive
Muthoot Finance Ltd
Aug 2023 - Apr 2026 (2 years 8 months)
Managed Gold Loan and Micro PL disbursal, credit, collections, NPA resolution, renewals, and settlements. Handled KYC, branch accounting, cash management, and cross-selling of financial products.
Back Office
Aadi Auto Deal
Apr 2022 - Jul 2023 (1 year 3 months)
Handled loan and insurance sales, customer acquisition, and product advisory based on customer requirements. Supported sales operations and customer service, ensuring smooth processing and business operations.
Education
Degrees, certifications, and relevant coursework
Manipal University Jaipur
Master of Business Administration, Finance
2023 - 2025
Pursued a Master of Business Administration with a specialization in Finance.
Pt. Ravishankar Shukla University
Master of Commerce, Marketing
2020 - 2022
Completed a Master of Commerce with a specialization in Marketing.
Sikkim Manipal University
Post Graduate Diploma, Computer Application
2019 - 2020
Completed a Post Graduate Diploma in Computer Application.
Pt. Ravishankar Shukla University
Bachelor of Commerce, Insurance and Banking
2016 - 2019
Earned a Bachelor of Commerce with a focus on Insurance and Banking.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Salary expectations
Social media
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