Nikhil Kumar Aggarwal
Phone: (M) +919990493925, Email: aggarwal.nikhilkumar@gmail.com
B-250, Vivek Vihar, Phase-1, New Delhi-110095
OBJECTIVE
To acquire a challenging position in a growth oriented institution that allow me to use my analytical &problem solving
approach towards organisational growth & thereby endowing me with higher responsibilities and wider exposure.
SYNOPSIS
Young, energetic and result oriented professional with 15+ years of experience; Expertise in convincing and credible
communication with proliferate relationship management skills; Multitasking ability to sketch the plan, prioritize the work
and manage the complex projects under aggressive timelines; Adroit at analyzing the organization requirements;
Categorically ethical, trustworthy and discreet;
Possessing good communication and collaboration skills to lead and work in concert with diverse groups
effectively
Adroit at learning new concepts quickly, working well under pressure and communicating ideas clearly and
effectively
Dedicated and highly ambitious to achieve personal goals as well as the organizational goals
Ability to build new territories and expand opportunities towards the achievement of stated targets
Excellent decision making skills with a positive approach
Friendly with an upbeat attitude
WORK HISTORY
SBI Cards and Payment Services – Gurugram- Assistant Vice President (March 2022- Till date)
Concurrent & Billing, KYC and Call Audit lead – Credit cards (March 2022- Till date)
✓ Lead wing to wing Pan India centralized concurrent, billing, KYC & call audits through team of 6 on roll and 8
agency staff
✓ Ensuring timely completion of investigation on staff and customer complaints, ensuring complete review of
internal & external frauds and whistle blow
✓ Trend analysis of data trigger given by DAU team of company
✓ Preparing audit findings and agenda items for ACB
✓ Assisting in Spot audits and thematic audits
✓ Ensuring constant process improvement and SOP enhancement
✓ Review of red flag cases
✓ Devise corrective action plan based on mutual discussion with process owners
HDFC Bank Ltd- Delhi- Senior Manager (March 2008- March 2022)
Area Manager – Risk and Intelligence Unit (March’19 – March’2022)
✓ Handling team of 10 on roll staff , 28 E0 staff and 05 off roll staff taking care of North CD- Pre and Delhi RIC unit of
the bank
✓ Handled unsecured, secured and working capital/LAP (Delhi- NCR) and CD (North) piece from prevention and
detection purposes.
✓ Ensuring early detection, prevention and minimization of losses through managing screening & samplings of files
✓ Vendor management and trainings
✓ Review of suspected documents and profile
✓ Relook of cases with additional documents/mitigates.
✓ Liaison with central team for implementation of processes and system control
✓ Nonstarter and early delinquency review
✓ Ensuring process checks as per bank’s guidelines and check list
✓ Review of risk alert and negative documents/profile for conclusion
Nikhil Kumar Aggarwal
Phone: (M) +919990493925, Email: aggarwal.nikhilkumar@gmail.com
B-250, Vivek Vihar, Phase-1, New Delhi-110095
✓ DSA and company empanelment
✓ Review of existed fraud trends for prevention and deterrent setting
✓ Consumer Durable field visits and fraud investigation
✓ Store training and compliance adherence
Internal Auditor – Audit & Compliance (Retail Assets) (September’12 – March’19)
✓ Perform internal audit of systems and documents of the organization.
✓ Carrying out audits at Hub locations for the retail assets sales/credit/operations/collections/RIC/CPU& Gold Loan.
✓ Visiting branches for surprise audits (Snap Audit).
✓ Study and analyze the current work systems, functions and procedures employed.
✓ Figure out the inefficiencies harming the work and take corrective actions against them.
✓ Prepare a comprehensive audit plan that includes scheduling, planning and organizing audit functions in timely
manner
✓ Conduct reviews of the documents and record books. & check compliance as per bank process.
✓ Suggest ways to improve cost and time effectiveness of the work procedure.
✓ Develop audit methodology and controls to ensure compliance and adherence to Bank’s internal policy
✓ Liaise with BPRG for developing/amendment of new/existing system related queries/parameters.
✓ Compliance Management
✓ Review of concurrent audit exceptions
✓ Fraud inspection/Process-System lap scrutiny/Employee related investigations.
✓ Conducting Management audits and UAT’s
✓ Team training and mentoring
Relationship Manager- Infrastructure Finance Group (March’08 – September’12)
✓ New customers/relationships identification & acquisition.
✓ Involved in pre as well as post sales activities for successful conversion of the leads.
✓ Coordination of the entire gamut of activities for infrastructure financing i.e. right from preparing review reports to
delivering on the agreed timelines, thereby ensuring a seamless integration of the marketing and delivery ends
✓ Financial analysis of the companies for various proposals and risk factors.
✓ Conduct Market Research on Competitors of our domain.
✓ Planning and monitoring of the existing portfolio.
✓ Implementing customer follow-up strategies to increase referrals and profitability.
✓ Solving customer query and meeting up with the clients to access viability for equipment financing, trade
Advance, inventory funding etc.
✓ Opening letter of credit, facilitating buyer’s credit facility and cross selling of liability products like current
account, fixed deposits, life insurance & general insurance.
✓ Managing the existing portfolio of the client for the various service related issues, liaison with other departments
for fulfilling service & other banking requirement.
✓ Regular client visits for a healthy portfolio maintenance and finding fresh business opportunities.
✓ Dealer networking for lead generation.
✓ Liaison with the branches of Delhi & NCR for fresh lead generation as well as for maintenance of a healthy
relationship with the preferred clients of our portfolio for various service related issues.
✓ MIS preparation, monthly and quarterly reports on account conduct
✓ Managing a team of people ensuring everybody knows their role by clearly setting goals and clarifying lines of
responsibility. Also, imparting training to juniors about the processes and procedures to facilitate standardization.
✓ Cross-functional Coordination
✓ Team Management – Taking reporting of two on roll and four off roll staff
AnujGoyal Associates, New Delhi
(January’05 –March’06)
Account Executive
Associated with a chartered accountant firm as account aide doing ledger scrutiny, auditing job & field work.
SCHOLASTICS
Nikhil Kumar Aggarwal
Phone: (M) +919990493925, Email: aggarwal.nikhilkumar@gmail.com
B-250, Vivek Vihar, Phase-1, New Delhi-110095
✓ MBA with specialization in Finance from ICFAI Business School, Ahmedabad in 2008 with 8.25 CGPA
✓ Bachelor of commerce (Pass) from Delhi University (Dyal Singh College) in 2005 with II Division.
COMPUTER SKILLS
✓ Microsoft Office(Word, Excel, PowerPoint)
✓ Basic Knowledge of Windows 9X, Windows XP, Windows 2000.
AWARDS & ACHIEVEMENTS
✓ Part of talent pool- HDFC Bank Ltd. (FY 2018)
✓ First prize winner (FY 2017) and Second prize (FY 2020 ) PAN India for Think Tank
✓ Winner of Gold star award for process improvements. (FY 2016)
✓ Certificate of appreciation for suggestion regarding paperless loans. (March 2015)
✓ Got certificate for achieving highest growth in CE portfolio (FY 2010-11).
✓ Have thrived foreign jaunts for three straight years in HDFC Bank Ltd for accomplishing cross sell targets. (2009 to
2012)
✓ Wrapped scholarship in Semester one and second of masters (M.B.A) for attaining academic distinction.
STRENGTHS
✓ Excellent Communication skills and ability to convince
✓ Fine Presentation skills
✓ Team player and Team leader
✓ Self-motivated
✓ Leadership skills
✓ Networking
PERSONAL VITAE
Date of Birth 18th July 1984
Father’s name Late Shri Suresh Kumar Aggarwal
Languages English and Hindi
Marital Status Married
Reference On request
