1. E-Mail:
itha.nisch@gmail.com
Contact No:
Mobile No: 9886412629
CONTACT ADDRESS:
No.17/32, Manjunatha
Nilaya, 12th main, 18th
Cross, 5th Phase,
J P Nagar,
Bengaluru :- 560-085
Karnataka.
CURRICULUM VITAE
NISCHITHA K V
M.B.A (Finance)
OBJECTIVE
 Seeking a challenging career and environment, where there is scope for
Creativity that gives exposure to new ideas and stimulates personal &
professional growth which contributes to the growth of the organization,
always on a lookout for a positive & bigger outlook, A Learner for Life.
PROFESSIONAL EXPERIENCE
ANZ SUPPORT SERVICES
( Oct 2011 – Mar 2015 )
Senior Credit Assessment Officer
Responsibilities:
 Responsible for Review, examine and underwrite loans to ensure
soundness, business value and compliance with company standards.
 Ensuring adherence to Bank’s Credit Policy, Code of Banking Practice,
service level agreements.
 Independently conduct full and comprehensive evaluations of a variety of
complex, high-risk mortgage loan applications.
 Perform detailed historical and projected financial analysis utilizing tax
returns and financial statements.
 Review and analyze special conditions, loan deficiencies and exception
requests to determine appropriate courses of action.
 Managing the coordination between the various functional departments
(operational/process controls), customer service department to ensure
smooth flow of operations.
 Instrumental in decision making while utilizing a CAD (Credit Authority
Discretion).
Cross Trained / Process Knowledge Sharing:
 Cross trained in mortgage support processes.
 To understand the updates and policy changes from the Credit Risk Team
and deliver it to the junior team members.
 To train and support the junior team members

2. PERSONAL DATA:
Father Name:
K M Venkatesh
DOB : 07 June, 1988
Sex : Female
Nationality : Indian
Marital Status: Single
LANGUAGESKNOWN:
English
Hindi
Kannada
AREAOF INTEREST:
 Painting.
 Embroidery.
 Dancing.
 Reading Novels.
WORK ACHIEVEMENTS
 Monitored, $1.5 million worth Approval Discretion of home loans.
 Associated with ignition crew for ANZ mortgages Bangalore.
 Migration of process from Melbourne ANZ office to Bangalore office.
 Reviewed team’s performance on day to day basis and reporting to
manager on a daily basis.
 Handling the performance improvement plan and to calculate team’s
complex productivity.
 Recognized as certified customer service professional.
 Recognized and rewarded for work derivable with performance awards.
COMPETENCIES & SKILLS
 Good communication skills.
 Valuable team player.
 Positive Attitude.
 Competent to handle pressure.
 Knowledge sharing, Focused to deliver positive results.
ACADEMIC RECORD
Sr.
No.
Name of Exam Year of
Passing
University/College/Board Percentage
of Marks
1 M.B.A
(Finance)
2011 Global Academy of
Technology, Bengaluru.
( VTU University )
65.00%
2 BBM
(HR)
2009 NMKRV College for
Women , ( Autonomous )
72.00%
3 P.U.C 2005 NMKRV College for
Women , ( Karnataka Pre
university board )
71.00%
4 S.S.L.C 2003 The Oxford senior
Secondary School,
( Central Board 0f
Secondary Education )
73.00%
APPLICATION PROFICIENCY
 Capacity Management Tool.
 Allocation Tool.
 ( Main Frame ) Credit Decisioning Mechanisms.
 MS Office Knowledge.

3. PROJECT WORK
Cost Center Mapping.
Nokia Siemens Networks private Ltd
 The project aimed at analyzing, optimizing and understanding the concepts
of costs centers and the process of cost center mapping evaluate the
performance of cost centers and identify the feasibility of converting a cost
center into a profit center of the company. As a leading global enabler of
telecommunications services, the company faced huge costs. These
challenges were overcome by implementation of the action points from the
project.
Project Trainee in Recruitment Department.
Larsen & Toubro Info Tech Limited
 The project aimed at analyzing, understanding, screening and managing
effectively the whole process of recruitment of the company and also the
functioning of various departments.
Recruitment Process in Atria Hotel.
The Atria Hotel
 The project aimed at analyzing, understanding, screening and managing
effectively the whole process of recruitment of the company and also the
requirements and functioning of various departments. Atria Hotel is a 4 star
hotel which faced the problem of retaining the employees in the
organization. These challenges were overcome by implementation of the
action points from the project.
SOCIAL ACTIVITIES
Social Responsibility Awareness, ‘NIMMONDIGE NAVU’ at
Orphanage
As Treasurer of ‘The Management Club’ at GAT, organized numerous events for
the development of the orphanage and ensuring their cause is supported.
Events Organized: - As a final year student it was the time to explore our ideas,
talent, and skills. So as a part of it we organized a management fest for our juniors
I.e. KURUKSHETRA-2011 Redefined, in that context I was one of the core
committee member in organizing the whole fest and it was a great success.
DECLARATION
I confirm that the information provided is true to the best of my Knowledge and
Belief.
Place: Bengaluru
NISCHITHA K V