I’m Nitin Prabhu, a passionate banker with 17+ years of hands-on experience in credit sourcing, appraisal, and sanctioning—across retail and SME segments. My journey in banking has been built on strong fundamentals, a customer-first approach, and deep understanding of practical credit management. Over the years, I’ve handled high-performing teams, achieved outstanding business targets, and contributed to policy-compliant, growth-focused lending practices. I firmly believe that good bankers are not born—they're made through the right guidance, real-world exposure, and clarity in concepts. That’s why I now actively mentor aspiring banking professionals through structured coaching programs focused on: Credit appraisal techniques Retail & SME loan evaluation Understanding financial ratios and balance sheets RBI regulatory frameworks and practical credit practices Career planning & growth mindset for bankers 💡 My approach is simple, practical, and rooted in experience. Whether you’re a fresher preparing to enter the industry or a young banker aiming to upskill, I help you decode banking in a way that’s real and relevant. 🔹 Let’s Connect If You’re Looking To: Learn core credit skills and apply them in real roles Understand retail lending and loan structuring Prepare for internal promotions or lateral banking roles Create long-term success in your banking career