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Nitin Agarwal is a Domain Consultant with the Banking and Financial Services (BFS) business unit at Tata Consultancy Services (TCS). He has more than 13 years of experience in finance and risk management and has worked on several strategic regulatory projects. Nitins areas of expertise include capital management, regulatory reporting (Basel II / III and other global standards), impairment accounting under IFRS 9, and risk analytics. With rich experience in business processes such as credit underwriting, credit operations, loan servicing and default management, he anchors the delivery of priority projects for TCS leading clients.