Nidhi Panchal

Credit Analyst @ Dev Aashish Capitals Private Limited

Palwal, India - 121102 nidhi.krsg@gmail.com 8307835534
Current CTC
0 LPA
Expected CTC
0 LPA
Notice Period
30 Days
Experience
3.0 Years
Profile Summary

Analytical and results-driven Credit Professional with expertise in retail loan underwriting, credit risk assessment, and client relationship management. Skilled in evaluating financial documentation, conducting KYC/CIBIL verification, and managing end-to-end loan application workflows. Proven track record of consistently exceeding daily disbursement targets while ensuring strict regulatory compliance.

Work Experience
2025 – Present
Credit Analyst
Dev Aashish Capitals Private Limited
  • Evaluate client loan profiles by verifying income stability, employment credentials, and banking documentation.
  • Perform strict verification of financial records, bank statements, and tax documents to mitigate transactional credit risk.
  • Manage the end-to-end loan workflow from initial screening through approval pipeline and final underwriting submission.
  • Consistently achieve 100% of daily target metrics by managing a minimum credit file processing volume of ₹2 Lakh.
  • Coordinate directly with internal branch stakeholders to expedite processing turnaround times and eliminate discrepancies.
2025 – 2025
Car Consultant
Valuedrive Technologies Pvt. Ltd.
  • Delivered high-value consultation to executive clients regarding automobile specifications, financial options, and asset value.
  • Utilized CRM dashboards to track buyer leads, manage follow-up funnels, and improve client onboarding conversion ratios.
  • Conducted recurring market intelligence research to identify shifts in consumer preferences and align promotional strategies.
  • Facilitated smooth end-to-end customer purchasing journeys, from financing arrangements to documentation sign-offs.
2023 – 2025
Sales Executive
Paisabazaar Consulting And Marketing Pvt. Ltd.
  • Nurtured an expansive portfolio of client relationships by leveraging persuasive communication and need analysis.
  • Educated customers on loan interest dynamics, tenure flexibilities, processing fees, and onboarding structures.
  • Vetted customer CIBIL sheets, income parameters, and internal matrices to optimize application match-rates with lenders.
  • Executed initial Know-Your-Customer (KYC) onboarding protocols and preliminary verification to secure compliance.
  • Consistently met or exceeded monthly individual loan disbursement targets across multiple major retail credit products.
Education
Apollo Progressive Convent School
High School in General
N/A - N/A
Ymca University
MBA in General
N/A - 2024
Maharishi Dayanand University
B.Com in General
N/A - 2019
Apollo Progressive Convent Sr. Sec. School
Intermediate in General
N/A - 2017
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Resume
60cb94ae887944a1b5744fe9031f6327.pdf
PDF File
Top Skills
Advanced Excel (Vlookup, Pivot) Crm Software & Loan Portals Data Verification Tools Microsoft Powerpoint (Ppt) Ms Office Productivity Suite