Akshay Patil

Retail and Credit Manager (Policy Manager) – Personal Loan - ICICI BANK LIMITED

(2023-04)

Credit Portfolio Management: Analyzed 3MOB, 6MOB, and 12MOB performance to assess delinquency trends, identify default patterns, and optimize credit strategies in line with portfolio risk.
Risk & Portfolio Analysis: Conducted quarterly and annual portfolio cuts to flag high-risk segments and recommend corrective actions to improve asset quality.
Policy & Underwriting Collaboration: Worked closely with underwriting teams to refine credit policies based on portfolio outcomes, ensuring alignment with evolving risk strategies and market conditions.
Data Management & Reporting: Maintained and updated the consolidated company master file, providing senior management with monthly portfolio performance dashboards and insights.
Cross-Functional Coordination: Credit, and Operations teams to address policy queries, streamline workflows, and support end-to-end credit operations.
Process Administration: Managed daily assignment of Service Requests (SRs), ensured regular updates to the consolidated company master file, uploaded revisions to the credit policy portal, and updated the ilens application in coordination with relevant stakeholders.

Deputy Manager – Relationship Manager (Personal Loans and Credit card) - ICICI BANK LIMITED

(2021-04 - 2023-08)

Coordinated with Product, Credit, and Operations teams to ensure seamless business operations and efficient workflow management across the loan lifecycle.
Created and maintained the Credit Action Matrix (CAM) to document loan eligibility criteria and facilitate accurate case reviews by the Credit Manager.
Conducted daily meetings to review performance metrics, customer escalations, training needs, and to introduce new products and policies to the team.
Managed end-to-end customer onboarding, from sourcing to file login and disbursement, ensuring clarity on loan terms, documentation, and eligibility.
Delivered training workshops and onboarding sessions for channel partners to ensure alignment with credit policy and process compliance.
Reviewed customer loan applications to provide recommendations for approval or decline; submitted final cases to underwriters for verification and decisioning.
Proactively monitored customer credit scores, Days Past Due (DPD), and repayment behavior to flag potential delinquencies and initiate early action.
Managed a team of 7 senior officers and 4 channel partners, overseeing monthly targets, performance reviews, and execution of corporate loan activities.
Consistently closed an average of 25+ personal loan cases per month, ensuring high approval quality, customer satisfaction, and compliance with policy.

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