NSNITIN SRIVASTAVA
@nitinsrivastava
Experienced mortgage credit underwriter and credit manager optimizing risk and profitability.
IndiaWhat I'm looking for
I am an experienced mortgage credit underwriter and credit manager with a strong track record in evaluating home loan applications, assessing creditworthiness, and conducting detailed financial and risk analysis.
At HDFC Bank I managed a portfolio of over 500 clients, delivered a 95% approval rate while minimizing risk exposure, and implemented a credit assessment framework that reduced defaults by 30% in year one.
Previously at ICICI Bank I conducted comprehensive credit assessments that supported credit limit approvals worth INR 500 Crores, developed risk management strategies that lowered NPA ratios by 15%, and streamlined approval processes to cut turnaround time by 25%.
I hold an MBA in Finance (specializing in financial risk management and corporate finance) and I focus on applying credit policies, identifying red flags, enhancing team capabilities, and optimizing credit processes to balance risk and profitability.
Experience
Work history, roles, and key accomplishments
HBCredit Manager
HDFC Bank
May 2021 - Present (4 years 6 months)
Managed a portfolio of over 500 clients, achieving a 95% approval rate while minimizing risk exposure; implemented a credit assessment framework that reduced loan defaults by 30% in the first year and led a team of 10 analysts.
IBSenior Credit Analyst
ICICI Bank
Jan 2016 - Apr 2021 (5 years 3 months)
Conducted comprehensive credit assessments leading to credit limit approvals totaling INR 500 Crores and developed risk strategies that reduced NPA ratio by 15% while streamlining approval processes to cut turnaround time by 25%.
Education
Degrees, certifications, and relevant coursework
IAIndian Institute of Management Ahmedabad
Master of Business Administration, Finance
2012 - 2014
Completed an MBA in Finance with specialization in financial risk management and corporate finance; thesis focused on credit risk assessment models.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Job categories
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