Nithin Kumar

Customer-centric Senior Credit Analyst with 10+ years of experience in credit operations, loan processing, and stakeholder relationship management across retail banking and mortgage environments. Proven ability to review and authorise credit transactions, investigate queries, and deliver outcomes within defined KPIs and SLAs. Skilled at collecting and analysing financial information from customers and businesses, identifying process improvement opportunities, and adapting swiftly to regulatory and policy changes.

Known for strong communication, a customer-first mindset, and the ability to manage multiple stakeholders in fast-paced environments while consistently delivering high-quality outcomes.

Credit Operations & QC Analyst at Triad Square Infosec Pvt. Ltd. (2025-03 – Present)

• Process and authorise end-to-end credit operations transactions for US residential mortgage loan files, ensuring adherence to defined KPIs and service level agreements
• Review loan applications, disclosures, and credit evaluations — collecting and analysing financial information from customers and stakeholders to support accurate credit decisions
• Investigate and resolve queries on documentation, compliance, and credit eligibility, escalating complex cases with clear root-cause analysis and recommended actions
• Identify opportunities to enhance credit operations processes, contributing to improved customer and business outcomes through structured SOP and checklist development
• Maintain 98% documentation accuracy and 95% audit pass rate across a high-volume pipeline, consistently meeting all quality and SLA targets
• Collaborate cross-functionally with compliance, risk, and processing teams to ensure seamless transaction processing and issue resolution
• Stay current with regulatory and policy changes including TRID, ATR/QM, and KYC norms, adapting processes and review criteria accordingly

Senior Manager — Credit Risk & Operations at Punjab National Bank (2022-04 – 2023-11)

• Managed portfolio-level credit reviews on a ₹10 Cr distressed asset portfolio, investigating credit queries and implementing recovery strategies that reduced NPAs by 15%
• Acted as key point of contact for internal and external stakeholders on credit risk, compliance, and collections matters — resolving queries within agreed timelines
• Built MIS dashboards (SQL, Excel) to monitor portfolio performance, track open queries, and report outcomes to senior leadership
• Ensured full adherence to RBI regulatory frameworks and internal credit policies across all reviewed accounts, proactively monitoring regulatory and policy changes

Manager — Credit Operations & Customer Service at Punjab National Bank (2020-08 – 2021-06)

• Led end-to-end loan processing and credit authorisation for mortgage and retail proposals — reviewing applications, income documents, bureau reports, and collateral documentation against credit policy
• Reduced default rates by 20% through enhanced pre-disbursal customer screening, identifying gaps before disbursement and improving customer outcomes
• Developed and implemented SOPs for credit appraisal and disbursement compliance, improving consistency and audit readiness across the team
• Managed relationships with legal, valuation, and insurance stakeholders, coordinating collateral due diligence and ensuring regulatory compliance at every stage

Branch Manager — Credit & Customer Operations at Punjab National Bank (2017-07 – 2020-08)

• Delivered end-to-end customer credit services across retail and SME segments, growing the loan portfolio by 50% while maintaining credit quality standards
• Managed and resolved customer queries and complaints related to credit products, ensuring timely resolution within defined SLAs
• Led a team of credit and operations staff, reducing loan processing TAT by 20% through streamlined workflows and quality gate enforcement
• Maintained full compliance with RBI regulations and KYC/AML norms; represented the branch during regulatory inspections and internal audits
• Monitored trends in customer behaviour, industry regulations, and policy changes, adapting branch processes and customer communication accordingly

Branch Manager — Credit & Customer Operations at Punjab National Bank (2021-06 – 2022-03)

Assistant Manager — Credit & Customer Service at Punjab National Bank (2014-11 – 2017-06)

• Prepared credit appraisal notes assessing borrower financials and repayment capacity; supported document verification and bureau analysis at loan origination
• Developed internal checklists to standardise the credit evaluation and customer documentation review process, improving team efficiency and accuracy

Single Window Operator — Customer Operations at State Bank of Hyderabad (2013-05 – 2014-09)

• Delivered frontline customer service, processing transactions and supporting loan origination, KYC compliance, and internal audit documentation

B.Tech in Engineering – Avanthi Institute of Engineering & Technology

CAIIB & JAIIB in Banking and Finance – Indian Institute of Banking and Finance