Nidhin Pd

Accomplished and results-driven Senior Banking Professional with over 13 years of comprehensive experience across branch operations, wholesale banking, SME/commercial lending, and risk management. Proven track record of optimizing operational effectiveness, ensuring stringent audit compliance, and managing high-value portfolios within major financial institutions like HDFC Bank and Axis Bank. Expert at overseeing complex transaction authorizations, managing clearing networks, mitigating operational risk, and driving team productivity to support regional business growth.

Unit Head – Wholesale Banking Operations at HDFC Bank Ltd (2023-01 – Present)

• Authorize high-volume wholesale and commercial banking transactions while supervising end-to-end operational workflows to guarantee seamless delivery.
• Hold full accountability for the evaluation and final authorization of Agricultural Loans, Small Agri-Business (SAB) products, and Emerging Enterprises Group (EEG) business lending portfolios.
• Monitor, track, and streamline complex transaction clearing processes, including cheque clearing, RTGS, and NEFT platforms.
• Closely monitor and reconcile dummy accounts, suspense accounts, deferred accounts, and accounts payable/receivables to eliminate operational leakage.
• Drive strict adherence to regulatory banking frameworks, successfully leading the unit through internal and external operations audits.
• Manage operational budgets and optimize staff productivity through targeted monitoring and specialized training initiatives.

Branch Operations Manager at HDFC Bank Ltd (2019-04 – 2023-12)

• Managed daily branch banking operations, authorized retail transactions, and ensured elevated customer transaction experiences.
• Directed daily reconciliation of suspense, deferred, and dummy accounts, consistently securing high ratings during operational audits.
• Oversaw the management of both Retail Assets and Liabilities while driving team efficiency and lowering branch operational costs.

Branch Sales Manager at HDFC Bank Ltd (2018-03 – 2019-04)

• Directed initiatives for customer acquisition, focusing on expanding the branch's Current Account and Savings Account (CASA) portfolio.
• Maximized branch profitability by driving cross-selling strategies of financial products to existing and new-to-bank clients.

Assistant Manager at Axis Bank Ltd (2017-01 – 2018-03)

• Managed a diverse financial portfolio, ensuring healthy customer relations and retention.
• Oversaw the verification, evaluation, and seamless disbursement of wholesale loans and gold loans.

Junior Processing Officer at HDFC Bank Ltd / ADFC Pvt Ltd (2013-02 – 2017-12)

• Efficiently input daily banking transactions and managed critical clearing processes including RTGS and NEFT transfers.
• Executed the precise data input and processing for diverse loan disbursement files, including Auto Loans, Commercial Vehicles (CV), Personal Loans, and Agricultural Loans.

Bachelor of Economics in Economics – St. Mary's College, Sulthan Bathery (2009-01 – 2012-12)