Nikhil K R is a result-oriented professional with over 3 years of experience in loan administration, credit operations, marketing operations, and branch operations. He is currently pursuing an MBA and holds a BE in Electronics and Communication. Nikhil is seeking a mid-level position in loan administration or credit operations where he can apply his experience in banking processes to add value to operations. His preferred industries are banking, financial services, and IT and his preferred locations are Bangalore or Saudi Arabia.

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NIKHIL K R
: +91- 9481103106
: nikhil.krs@gmail.com
: 1st Link, 2nd Cross, Kuvempu Road, Raghavendra Nagar, Tumkur-572102
Middle level positions in Loan Administration / Credit Operations where the experience in overall functioning of banking
processes will add value to operations
Industry Preferences: Banking / Financial Services / IT sector
Location Preferences: Bangalore / Saudi Arabia
PROFILE SNAPSHOT
A result-oriented professional with over 3 years of experience in:
-Loan Administration -Credit & Collection Operations -Marketing Operations
-Branch Operations -Customer Relationship Management -Liaison & Coordination
 Pursuing MBA from Sikkim Manipal University, Bangalore (Distance Education)
 Gained hands-on experience in attaining the error free banking transactions resulting
into increased customer satisfaction, branch profitability and overall cost reduction for
the organization
 Experienced in handling Finance Operations and managing the Loan Products such as
Mortgage Loan, Site Loan & Loan Against Properties Portfolio
 Expertise in managing credit operations and contributing higher rate of organic growth
 Efficient organizer, motivator, team player and a decisive leader with the ability to
motivate teams to excel & win
CORE COMPETENCIES
 Handling the sanctioning of the Housing Loan after satisfying the
eligibility criteria and preparing the documents for the disbursement of
the same
 Carrying out the evaluation/assessment of working capital facilities, project
finance, term loans, rental loans, housing loans, personal loans, etc.
 Monitoring the post loan disbursement activities, including the recovery of
Bad Debts, NPA, etc.
 Supervising collection status for ensuring nil outstanding
 Assisting in devising the credit applications and fixing the credit limits
 Preparing MIS Report for providing feedback to Top Management on
business operations, viz., billing, collection, credit control, profitability, etc.
 Planning and achieving the set branch targets from time-to-time
EMPLOYMENT DETAILS
Dec’11-Jan’15 CAN FIN Homes Ltd., Bangalore, Karnataka as Credit Officer
Key Result Areas:
 Acted as Branch In-charge in the absence of the Manager

2.  Managed the housing & non-housing loan products & fixed deposits and usage of IBS Software (encore theme)
 Mapped the customer requirements based upon their salary & other income and advised the customers about the
suitability of products
 Examined the financial statements for the business class customers
 Carried out the pre & post-sanction visits to the property for ensuring the development of the construction
 Spearheaded the activities related to recovery of NPA accounts and monitored the same for ensuring not to have
fresh NPA additions
 Imparted training to the junior officers for ensuring the smooth and error free operational transactions at branch
 Handled the marketing activities related to loan products
 Facilitated the Branch Operations Head during the auditing of the branch
 Ensured the attainment of error free operational transactions
 Prepared & submitted the branch level credit proposals to Head Office
 Done credit rating for various products and assigned the risk rating to each borrower as well as the facility
Significant Accomplishments:
 Got appreciation from Managing Director of the organization for improving the branch performance and profitability
 Attained all the targets consistently in all parameters from 1st April, 2012 to 31st December, 2014
 Successfully recovered Special Mention Accounts Accounts by (daily follow-up) initiatives
 Recognized for turning CAN FIN Homes Ltd., Tumkur and HRBR Layout Bangalore Branch into profit making branches
and improved customer focus, regular customer meet and also provided information regarding housing loan products
and referral scheme
 Played a pivotal role in over achieving the targets set for Q2 by 110% and Q3 by 120% during 2014
TRAININGS
Title: Foundation Course on Home Loans
Institute: Institute of Home Finance, Bangalore
Duration: 2 Days
Title: Induction Training Program
Institute Staff Training College, Canara Bank Bangalore
Duration: 2 Days
Title: Asset Quality Management
Organization: CAN FIN Homes Ltd., Bangalore
Duration: 2 Days
Title: Credit Appraisal and Relationship Management
Organization: CAN FIN Homes Ltd., Bangalore
Duration: 2 Days
ACADEMIC DETAILS
 Pursuing MBA from Sikkim Manipal University, Bangalore (Distance Education)
 BE in Electronics and Communication from East West Institute of Technology, Bangalore, VTU
University in 2009
PERSONAL INFORMATION:
Date of Birth: 14th April, 1988
Languages Known: English, Kannada and Hindi