Asiya Begum

Results-oriented Credit Operations professional with over 2.5 year of experience in the banking sector. Proficient in loan lifecycle management, KYC compliance, and risk assessment. Skilled in utilizing banking applications to streamline disbursement workflows and ensure regulatory adherence. Committed to driving operational excellence and maintaining high standards of customer service.

Senior Associate - Credit Operations - ICICI Bank

(2025-01 - 2026-04)

• End-to-end processing of loan applications across retail and corporate product categories.
• Executing robust KYC/AML verification protocols to ensure 100% regulatory compliance.
• Utilizing APS and CAM systems for data integrity and customer document validation.
• Managing complex credit operations including Two-Wheeler loan disbursement memos and cheque lifecycles.
• Collaborating with legal and valuation teams for comprehensive risk assessment and collateral verification.
• Generating daily and monthly Management Information Systems (MIS) reports for senior leadership.

Credit Operations Officer - ICICI Bank

(2022-05 - 2023-07)

• Evaluated loan eligibility through detailed financial analysis and credit assessment of applicants.
• Maintained meticulous records of approvals and disbursements to ensure audit readiness.
• Optimized workflow efficiency by coordinating between sales, credit, and back-office teams.

B.Com - Computer Applications - OSAMANIA University (2022)

Intermediate - A&T - TGBIE (2019)

SSC - TGSSC (2017)