Open to opportunities

Nitin Chawla

@nitinchawla

Message

Finance and lending leader with 25+ years in fintech, NBFCs, and banking—scaling credit, distribution, and revenue.

India

Message

What I'm looking for

I’m looking to lead lending and credit growth at a fintech/NBFC, owning P&L, distribution, and underwriting—scaling secured and unsecured portfolios with strong teams, disciplined risk, and measurable revenue outcomes.

I’m a Senior Finance & Lending professional with 25+ years of experience across fintech, NBFCs, banking, and insurance. I specialize in scaling secured lending (LAP, mortgage, home loans) and unsecured lending (business loans, personal loans, invoice discounting) with a strong focus on credit quality and profitable growth.

I build and lead multi-channel distribution—DSA, Direct, and Digital—while managing loan lifecycles from origination through disbursal to collections. My track record includes credit underwriting and risk assessment, P&L ownership, and regulatory compliance with fraud prevention, supported by MIS, analytics, and forecasting for data-driven decisions.

I enjoy leading teams across geographies and driving execution that translates into measurable results. In prior roles, I’ve managed branch and cluster performance, led sales and channel partners (including 30+ team members), and delivered consistent revenue growth through partnerships, fintech models, and cross-sell with insurance and other financial products.

Experience

Work history, roles, and key accomplishments

Current

Associate Insurance Wealth Manager

Current

Tata AIA Life Insurance Company Ltd

Dec 2025 - Present (8 months)

Manage HNI client portfolios focused on insurance and financial products. Drive revenue growth through cross-selling lending and insurance solutions, including portfolio analysis and financial advisory.

Insurance products Financial Products Cross Selling Portfolio Analysis Financial Advisory Revenue Growth Cluster Strategy Execution

Cluster Manager

Novelty Insurance Brokers Ltd

Aug 2017 - Jul 2024 (6 years 11 months)

Managed branch P&L, budgeting, and revenue targets for mortgages, project finance, and unsecured finance, with general insurance cross-sell. Led a team of 25+ sales and channel partners and built corporate and HNI client relationships.

Budgeting Mortgage Project Finance Sales Team Leadership Channel Partner Management HNI and Corporate Relationship Building MIS Reporting

Cluster Head

Square Capital Advisory Services Ltd

Mar 2016 - Oct 2016 (7 months)

Handled secured and unsecured loan portfolios across India, including project loans, mortgage loans, business loans, and invoice discounting. Managed channel partners and branch managers, owning credit evaluation and large-ticket loan approvals, and oversaw the customer lifecycle from sourcing to disbursement.

Secured Lending Mortgage Loans Credit Evaluation Large Ticket Loan Approval Channel Partner Management Branch Management

Branch Manager – Business Loans

Franchise India Brands Ltd

Feb 2012 - Jan 2016 (3 years 11 months)

Managed pan-India lending operations across 8 branches, focusing on SME lending, mortgage loans, and unsecured business finance. Drove revenue via direct and channel sales and built an HNI client base and expanding loan portfolio.

SME Lending Mortgage Unsecured Business Finance Channel Sales HNI Client Acquisition PAN India Operations

Senior Manager – Branch Banking

IndusInd Bank Ltd

Nov 2010 - Dec 2011 (1 year 1 month)

Managed CASA and lending (secured and unsecured) and converted new-to-bank clients into lending customers. Handled HNI portfolios, cross-sold financial products, and developed DSA partnerships for loan sourcing.

Secured Loans HNI Portfolio Management Cross Selling DSA Partnerships

Manager – Branch Banking

HDFC Bank Ltd

Sep 2008 - Oct 2010 (2 years 1 month)

Delivered performance in SME loans, LAP, and business loans while managing high-value clients and investment portfolios. Executed sales strategies to increase loan penetration.

SME Lending LAP (Loans Against Property)Loans Investment Portfolio Management Sales Strategy

Team Manager – Mortgage Loans

DCB Bank Ltd

Sep 2001 - Aug 2008 (6 years 11 months)

Specialized in mortgage and SME lending, building DSA and real-estate broker networks to drive sourcing. Led a team of sales officers and telesales executives and consistently achieved loan disbursement and sales targets.

Mortgage SME Lending Sales Team Leadership Telesales Management Disbursal Sales Targets