Nikhil Kumar

NISM Series V-A (Mutual Fund Distributors) certified finance professional with 7+ months of hands-on experience in credit operations, financial documentation, and regulatory compliance at Cholamandalam Investment and Finance Company, one of India's leading NBFCs. Skilled in customer financial due diligence, KYC verification, risk assessment, and cross-functional coordination within tightly regulated financial environments. Combines a strong grounding in RBI/NHB-aligned compliance processes with a technology background (MySQL, data-driven tools) to support fund operations, investor servicing, and distribution functions.

Seeking to apply this finance operations and compliance expertise to a role in mutual fund distribution, AMC operations, or investment services with a top-tier bank, AMC, or NBFC.

Credit Operations Executive at Cholamandalam Investment & Finance Co. Ltd. (2025-11 – Present)

One of India's largest NBFCs (₹1.5 lakh Cr+ AUM) — Vehicle Finance Division

• Conduct end-to-end credit verification and financial due diligence for finance applications, assessing customer profiles, income documents, CIBIL scores, and repayment capacity — directly transferable to investor suitability and KYC checks required in mutual fund distribution.
• Review and validate financial documentation (income proofs, bank statements, asset valuations), ensuring strict adherence to RBI/NHB compliance standards, mirroring the regulatory rigor of SEBI/AMFI-governed mutual fund operations.
• Coordinate with field sales teams and branches to streamline approval turnaround time, strengthening client relationship management and service-delivery skills relevant to investor servicing.
• Maintain accurate MIS reports and backend operational records across multiple customer accounts, supporting audit-ready documentation practices.
• Identify and flag application discrepancies to mitigate risk, reflecting the diligence and compliance mindset essential to fund distribution and AMC back-office roles.

Web Developer Intern at SEMS Welfare Foundation (2024-06 – 2024-08)

• Designed and developed responsive web platforms, improving user experience and reducing page load times by 30% across 50+ course pages.
• Collaborated with cross-functional teams to manage content workflows, ensuring high-quality digital resources for thousands of learners.

Sales Field Executive (SFE) at Bharti Airtel Ltd. (2020-10 – 2021-11)

• Managed field sales and distribution operations for telecom products, building a foundation in target-driven distribution — directly applicable to mutual fund sales and distribution channels.
• Built and maintained relationships with retailers and customers to drive product visibility and sales targets.
• Monitored stock availability, resolved on-ground customer issues, and reported daily sales performance to the regional team.

Bachelor of Computer Applications in Computer Applications – Srinath University (2022 – 2025)

Class XII – Tata DAV Public School (2022 – 2022)

Class X – St. Mary's School (2020 – 2020)