Abhishree S

CREDIT MANAGER | CREDIT ANALYST | CREDIT RISK | UNDERWRITING | RETAIL ASSETS

Talent

BengaluruMember since 30 May 2026

Credit AnalysisCredit UnderwritingCredit Risk AssessmentFinancial Statement AnalysisFinancial AnalysisRatio AnalysisCash Flow AnalysisCredit AppraisalBank Statement AnalysisBureau/CIBIL AnalysisFOIR AssessmentRetail LendingPersonal LoansBusiness Loan Process KnowledgeRisk AssessmentPortfolio MonitoringComplianceMIS ReportingAdvanced ExcelVLOOKUPPivot TablesStakeholder Management

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Credit AnalysisCredit UnderwritingCredit Risk AssessmentFinancial Statement AnalysisFinancial Analysis

About

MBA Finance professional with 4+ years of experience in Credit Risk Assessment, Credit Underwriting, Financial Statement Analysis, Retail Lending, Personal Loans and Retail Asset Credit Evaluation across Banking and NBFC sectors. Experienced in credit appraisal, bank statement analysis, bureau assessment, repayment capacity evaluation, risk identification, policy compliance, portfolio monitoring and preparation of credit recommendations. Strong analytical, stakeholder management and risk assessment skills.

Experience

Deputy Manager – Credit Manager (Personal Loans) at Muthoot Finance Ltd (2023-11 – Present)

Manage end-to-end credit assessment and underwriting for personal loan applications.
Analyze customer income, bank statements, repayment capacity, employment stability and bureau reports to evaluate creditworthiness.
Perform risk grading, policy compliance checks, deviation analysis and lending recommendations.
Prepare detailed credit recommendations documenting key risks, mitigants and underwriting rationale.
Monitor portfolio performance, delinquency trends and early warning indicators.
Prepare MIS reports and maintain documentation for audit, compliance and operational requirements.
Possess working knowledge of business loan underwriting processes including financial statement analysis, cash flow assessment, bank statement review, GST review and credit risk evaluation.

Deputy Manager – Credit Manager (Retail Assets) at ICICI Bank (2022-06 – 2023-11)

Conducted comprehensive credit appraisal for retail asset proposals through income verification, financial assessment and bureau analysis.
Evaluated repayment capacity using FOIR, LTV, banking behaviour and risk parameters.
Performed financial ratio analysis and detailed credit assessment to support lending decisions.
Assessed borrower profiles and business risks to support prudent credit decisions.
Reduced fraudulent applications through enhanced verification controls and risk mitigation measures.
Ensured adherence to RBI regulations, internal credit policies and audit requirements.