Nivedita Singh

Management Trainee at Kotak Mahindra Bank with a PGDM in Banking & Financial Services from IMT Ghaziabad, currently building foundational exposure to client credit profiles, banking products, and risk assessment within Business Banking. Strong analytical grounding in credit risk assessment, financial modelling, and structured finance (M&A) through academic projects and internships, backed by NISM certifications in Securities Operations and Mutual Fund Distribution. Seeking to apply this foundation to roles in Credit Analysis, Risk Management, or Structured Finance.

Management Trainee, Business Banking - Kotak Mahindra Bank - Delhi NCR

(2026-05)

• Gaining hands-on exposure to business banking credit profiles, client financial assessment, and banking product structures within the Affluent segment
• Applying portfolio management, risk assessment, and financial modelling skills from PGDM coursework to evaluate client financial needs and product fit

Summer Intern - ICICI Prudential Asset Management Company - Jamshedpur

(2025-04 - 2025-05)

Recent IPOs vs Market: Insights for Fund Strategy

• Analysed 20 mainboard IPOs across five sectors against NIFTY 500, applying financial ratios and risk-adjusted return metrics to identify outperformers and laggards
• Designed a thematic mutual fund using Modern Portfolio Theory, integrating sectoral trends and investor survey insights (n = 163; 74% positive) for a strategy presented to senior management

PGDM - Banking & Financial Services - IMT Ghaziabad (2026)

M.A. - Linguistics - Jadavpur University (2021)

B.A. - English (Hons.) - Jogamaya Devi College, Calcutta University (2019)