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Nikita Nigam currently serves as a Relationship Credit Manager at Heritage Bank of Commerce, a position held since August 2024. Prior to this, Nikita worked as a Senior Credit Analyst in Commercial Credit at California Bank of Commerce from October 2022 to July 2024, where responsibilities included in-depth financial statement analysis and covenant compliance. From August 2012 to September 2022, Nikita was an Assistant Manager at Punjab National Bank, focusing on underwriting credit exposure and managing a diverse credit portfolio. Earlier experience includes an internship at SIDBI, where a techno-economic project appraisal and risk assessment model for MSMEs was developed. Academically, Nikita holds a certification in Finance from the University of California, Berkeley, and an MBA from Galgotias University.