Area Head – Business Credit at ICICI Bank Ltd (2025-05 – Present)
- Managing an asset portfolio of ₹700 Cr and mentoring a team of 4 credit professionals.
- Appraising, reviewing and approving credit proposals up to ₹10 Cr within delegated authority and recommending higher ticket exposure to seniors.
- Structuring complex transactions by collaborating with business and credit teams to enable swift approvals for large exposures.
- Monitoring TAT, pending compliances, renewals and irregular Accounts – DPD, OOO, POOO and driving closure with concerned teams.
- Consolidating daily business intelligence and portfolio health metrics for senior leadership, covering book creation, sanctions, disbursements and compliance.
- Engaging existing customers to identify enhancement opportunities and early stress signals and ensuring prompt resolution.
- Engineering exit strategies for stressed non-compliant accounts by identifying early-stage stress indicators (OOO, POOO, PUW and probable NPAs).
Senior Credit Manager & Credit Manager – Business Credit at ICICI Bank Ltd (2019-10 – 2025-04)
- Underwrote and recommended tailored credit solutions for MSME clients across high-growth sectors, including IT/ITeS, Infrastructure, EPC, Pharma, Agri and Manufacturing.
- Evaluated and prepared comprehensive underwriting notes for working capital and term loan proposals up to ₹50 Cr single exposure and ₹100 Cr group exposure.
- Conducted deep-dive financial due diligence, analyzing balance sheets, cash flows, banking conduct, repayment histories and statutory compliance.
- Partnered with corporate promoters and C-suite executives to understand diverse business models and structurally align their credit requirements.
- Maintained industry-leading Turnaround Times (TAT) while strictly adhering to internal bank risk frameworks and RBI policies.
- Achievement: Awarded 'Certificate of Appreciation' on becoming Champion of Fantastic Four in Sep 2021 by National Credit Manager for exceptional underwriting quality and efficiency.
Branch Credit Manager – Agri Credit at ICICI Bank Ltd (2016-09 – 2019-09)
- Managed the end-to-end credit appraisal, structuring, sanctioning and disbursement of Agricultural loans, including KCC, Term Loans and allied portfolios.
- Conducted field inspections, crop cycle verifications and physical collateral evaluations to assess ground-level project viability.
- Facilitated flawless loan documentation and legal title verifications in coordination with empaneled legal counsel, achieving 100% compliance.
- Controlled portfolio risk by actively driving NPA recovery initiatives and aligning branch operations with RBI regulatory guidelines.
Cross-Functional Leadership & Special Achievements at ICICI Bank Ltd
- Training & Mentorship: Regularly conducting training for incoming credit managers on evolving risk, underwriting policies and credit toolkits.
- Risk Mitigation: Early Warning Signals (EWS) monitoring and internal audit resolution to mitigate asset slippage into Red Flagged Accounts (RFAs).
- Fraud Detection: Nominated for the prestigious 'Eagle Eye Award' for successfully detecting a sophisticated fraudulent transaction, safeguarding ₹15 Cr in potential credit exposure.
Articled Assistant / Associate at CA Veerababu & Co. (Chartered Accountants) (2013-02 – 2016-02)
- Assisted clients with tax computations, statutory filings and tax audits.
- Executed Statutory, internal and concurrent audits for corporate entities and banks.
- Ensured compliance with Accounting Standards and Internal Control Procedures by reviewing source documents and adhering to regulatory norms.
