Akila Shetty

Results-driven Credit Manager with over 3+ years of experience overseeing end-to-end loan lifecycle management. Expert in balancing aggressive growth with rigorous credit policy compliance and risk parameters. Proven track record in maintaining high portfolio quality by identifying process gaps and implementing corrective actions that reduce delinquency risk.

A collaborative leader skilled in synchronizing Credit, Tech, and Collections teams to drive institutional excellence and long-term financial stability.

Sanction Head (BM-Cadre) - IDF Financial Services Pvt Ltd( Fintech Cloud Pvt Ltd) - Hyderabad

(2024-04)

• Oversee the end-to-end loan sanctioning process.
• Approve or reject loan applications as per credit policy and risk parameters.
• Ensure compliance with eligibility norms (age, income, bureau, etc.)
• Monitor sanction team productivity and turnaround time (TAT).
• Coordinate with the credit, tech, and collection teams for process improvements.
• Identify gaps in the sanctioning process and recommend corrective actions.
• Maintain sanction quality to reduce future delinquency risk.

Credit Underwriter- Assistant Manager - Indusind Bank

(2021-09 - 2024-04)

• Assessed borrower creditworthiness by processing loan applications and performing thorough credit checks.
• Ensured financial integrity by rigorously validating income via detailed analysis of paystubs and financial documentation.
• Fostered a collaborative team atmosphere through proactive engagement and feedback during meetings.
• Implemented credit policies and procedures to improve quality and service.
• Credit Limit Enhancement: Analyzed existing credit card or customer's profiles for eligibility based on repayment history, income, usage pattern, and risk assessment.
• Managed credit limits for existing customers, ensuring timely reviews and adjustments based on payment behavior.
• Trained and supervised junior credit analysts and support staff.

Accounts Assistant - Lalitha Chemical Pvt Ltd

(2021-07 - 2021-08)

• Managed daily accounting operations, ensuring financial precision.
• Maintained and updated the general ledger, purchase, and sales journals.
• Processed financial transactions and effectively handled petty cash.
• Executed administrative tasks, including word processing and data entry.

Master of Commerce - M.Com - Viva College (2018 - 2020)

Bachelor of Commerce - B.Com - Viva college (2015 - 2018)