Nikunj Arora

About Nikunj Arora

Business Analyst & Lending Operations Specialist with 6+ years of experience in Retail…

Experience

1. Team Lead

   HCLTech

   Jan 2025 — Present · Bengaluru, IN

   Leading a team, delegating tasks, monitoring performance and ensuring timely completion of deliverables. Supervised and mentored, fostering collaboration and driving productivity through clear communication and guidance.•Managed day-to-day operations, including workload distribution, performance feedback, and conflict resolution. Encouraged professional growth of team members by implementing knowledge-sharing sessions and feedback mechanisms.•Individual contributor-Retail Lending (Australian Mortgage).•Conducted comprehensive credit assessment and underwriting for various retail lending products, including salaried and self-employed applicants, construction loans, bridging loans, foreign income, guarantor deals, and loans involving Lenders Mortgage Insurance (LMI).•Evaluated customer- to determine creditworthiness and compliance with lending policies.•Analyzed complete payslips, income statements and tax returns to assess financial stability.•Assessed credit risk and critical financial positions for both new and existing customers.•Served as a Subject Matter Expert (SME), provided training and coaching to on-boarding team members.•Performed quality control checks on processed applications to ensure adherence to internal policies and regulatory requirements.

Education

• Jaipuria Institute of Management

  PGDM, FINANCE & BUSINESS ANALYTICS

• University of Allahabad

  Bachelor of Commerce (B.Com.), Investments and Securities

  2012 — 2015

Skills

• Financial Reporting
• Peer Group Analysis
• Tally Erp
• Financial Analysis
• Technical Analysis
• Ratio Analysis
• Investment Banking
• Capital Budgeting
• Portfolio Reports
• Financial Modeling
• Financial Data Management
• Ms Excel Pivot Tables
• Equity Research Analysis
• Equity Research
• Report Writing