Kapil Singhal

Background

About Kapil Singhal

I’m a results-oriented Credit Risk and Portfolio Management leader with 9+ years of experience in corporate banking, commercial real estate, fund finance, and infrastructure lending. As a Vice President at OakNorth Bank, I lead a GBP 1 billion loan portfolio, spearhead credit analysis, and drive regulatory compliance across UK and US jurisdictions.My credit decisions are grounded in financial modeling, PD/LGD estimation, and data intelligence platforms like nCino, CreditLens, Tableau, and Capital IQ. I bring a balance of strategic oversight and analytical execution—leading 10+ credit analysts and supporting committee-level decisions with over credit assessments. Core Strengths: Credit Risk Strategy | Portfolio Optimization | Distressed Loan Restructuring Basel | PRA Reporting | Financial Due Diligence | Credit Papers & Memos Financial Modeling | Cash Flow Projections | Sector-Specific Valuation Credit Tools: nCino | Tableau | Loan IQ | CreditLens | Capital IQ | Factiva Key Achievements:• Directed GBP 1B+ credit exposure across multiple banking domains• Reduced assessment turnaround by 10% via workflow automation• Achieved 95% recovery across 5–10 distressed loans• Supported 100% of credit committee approvals with robust analysis• Maintained oversight of high-value loans (GBP 50M–60M ticket size)• Delivered 90%+ success in early warning flags for at-risk borrowers Certified: FRM (GARP), Financial Modeling – BSE Institute Let’s connect if you’re looking for a credit leader who blends risk rigor, operational strategy, and analytical depth to power lending growth and regulatory excellence.