Nikhil Modi Email & Phone Number

Bengaluru, Karnataka, India

• Specialize in wholesale credit underwriting for mid-corporate clients with annual turnovers ranging from Rs. 250 to Rs. 1,500 crores.
• Hold approving authority for up to Rs. 60 crores for New-to-Bank (NTB) customers and Rs. 100 crores for Existing-to-Bank (ETB) customers.
• Conduct thorough evaluations of credit proposals through financial and industry analysis, transaction-specific assessments, and feedback/reference checks.
• Underwrite proposals by setting additional terms/covenants to safeguard the bank's interests.
• Maintain close monitoring of the portfolio, which includes regular client interactions, timely project visits, and gathering market intelligence from industry experts.
• Identify early warning signals and initiate reduction/exit strategies for deteriorating credits.

• Conducted comprehensive credit evaluations to assess client creditworthiness, aiding in the approval process of proposals.
• Contributed significantly to more than doubling the regional portfolio while ensuring compliance with internal and regulatory guidelines.
• Guided and supported team members in credit analysis and proposal preparation.
• Maintained high standards of housekeeping, ensuring timely and accurate completion of processes.
• Played a crucial role in risk identification and mitigation, improving client satisfaction and portfolio performance.
• Actively engaged in continuous improvement initiatives, identifying areas for enhancement and implementing appropriate changes.

Bengaluru, Karnataka, India

• Conducted thorough credit assessments to evaluate the creditworthiness of clients, enabling informed decisions on proposal sanctioning.
• Successfully secured sanction for more than 35 New to Bank (NTB) cases.
• Instrumental in increasing the regional portfolio by more than 2x, ensuring compliance with internal guidelines and regulatory requirements.
• Provided mentorship to fellow analysts and Relationship Managers (RMs), offering guidance and support in credit analysis and proposal preparation.
• Maintained impeccable housekeeping practices, expediting the completion of financial covenants and review/renewal processes to ensure precision and regulatory adherence.
• Updated internal and external ratings promptly, assisting team members in closing their ratings to maintain regulatory compliance.

Bengaluru Area, India

• Evaluated credit profiles of borrowers by assessing financial, management, business, and industry risks, and conducted detailed project appraisals for project finance.
• Collaborated closely with the business team to understand client requirements and structured credit solutions that benefit both the bank and the borrower.
• Underwrote credit notes for sanctioning working capital facilities, non-fund based facilities, and term lending, ensuring compliance with internal and regulatory guidelines.
• Regularly met with borrowers to understand their needs and closely monitor their performance.
• Assisted the business team in understanding the risks associated with their portfolio's business/industry.

Bengaluru Area, India

• Created Financial Deal Models and conducted valuation for the various types of deals done by the company – contract valuation, management services, box-in-box transactions, stand-alones and acquisitions.
• Created the P&L Statements, Capital Expenditure schedule, Cash on Cash Returns Calculations to financially analyse all deals and based on the analysis advised core management and investors on commercial terms that can.
• Supported the top management in creating the corporate strategies to stay ahead of competitors, for future growth of the company. Involved in creating the companys’ business plan for the next 5 years.
• Supported in India and Singapore management teams in deal processes, tracking and reporting.
• Assisted in conducting the market research for the renal care market in India, to help the top management take decisions on way forward.

Bangalore

• Researched on prospective growth areas for the banking team and generated deal leads through pro-active demand generation, deal renewal and priming advisory channels.
• Formulated strategies for better hunting and farming of accounts.
• Interacted with the clients to understand requirements, identify stakeholders and assisted in the documentation as per business requirement;
• Devised solutions as per client requirements, conducted cost benefit analysis, acquired approvals from all stakeholders and created User Acceptance Testing scripts;
• Created industry value chain for financial services domain which was adopted by the company to create a skill repository of the BFSI vertical driven by the value chain elements;

Bengaluru Area, India

• Critically analysed the operational aspect of implementation of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act (“Act”);
• Determined and presented to the concerned executive the shortcomings of the Act by partaking of NPA recovery process and studying case histories;
• Provided well-researched recommendations to overcome the operational shortcomings of the said Act.

Post Graduate Diploma In Management (Pgdm), Finance And Marketing

Activities and Societies: Atharva Academic Projects: Equity Research Analysis – Jubilant Foodworks • Analysed Jubilant Foodworks financial.

Bachelor Of Business Administration (Bba), Finance

Activities and Societies: Xavier's Management Society Academic Projects • Working Capital Management – A case study on Britannia Xavier's.

Science

Activities and Societies: Nature Club of India, Computer Club