Mudit Mishra

About Mudit Mishra

Results-driven Banking Professional with experience in MSME lending, credit risk assessment, and relationship management at HDFC Bank. Skilled in analyzing financial statements, bank statements, and cash flows to evaluate borrower creditworthiness.Hands-on experience working with Loan Origination Systems (LOS) and workflow-based credit processes, enabling data-driven underwriting and faster turnaround times. Adept at preparing detailed credit notes, identifying risk triggers, monitoring portfolio performance, and ensuring compliance with AML/KYC and internal risk policies.Aspiring to transition into a Business Analyst role in Fintech, leveraging my experience in digital lending, credit risk, and LOS-based workflow optimization and contributing to requirement gathering, workflow design, LOS implementation, and process automation.

Experience

1. Relationship Manager

   HDFC Bank

   Aug 2021 — Present

   Managing an asset portfolio averaging AUD 3,200 million, onboarding New-To-Bank clients, and boosting portfolio value by 21%• Conducting market analysis and wallet share assessment to identify growth opportunities and refine business planning• Monitoring industry trends, pricing strategies, and competitor activity to enhance customer engagement and expand market share• Generating leads through cold calling and software tools (Probe 42, Accumn, Perfios), driving pipeline development and conversion• Developing and executing go-to-market strategies for new customer acquisition in collaboration with branches and existing clients• Strengthening client relationships to improve satisfaction scores and increase referrals• Increasing net interest margins by converting non-PSL loans to PSL, enhancing cluster revenue• Cross-selling liability and asset products, including corporate salary accounts, ENet, TON, CMS, to support diversified revenue streams• Conducting root cause analysis on income variances to identify and address performance gaps• Performing regular portfolio health checks for compliance, risk identification, and early detection of operational stress• Managing high-value transaction monitoring and reporting to uphold regulatory standards• Conduct detailed credit appraisal by analyzing financial statements, banking behavior, and business performance to assess borrower risk and repayment capacity• Evaluate customer creditworthiness based on income stability, cash flows, repayment history, leverage levels, and transaction patterns• Prepare comprehensive credit assessment notes highlighting risk grading, exposure recommendations, and sanction limits• Perform AML, KYC, and compliance due diligence to ensure adherence to regulatory and internal risk guidelines

Education

• Amity University

  Master of Business Administration - MBA, Marketing and sales

• Himachal Pradesh University

  Bachelor of Commerce - BCom, Business/Commerce, General

  2016 — 2019