ADHIYANTHA PRABHU P
Bangalore
Summary
- Chartered Accountant with expertise in credit underwriting, financial analysis and loan appraisal.
- Skilled in evaluating CIBIL reports, repayment behaviour, DSCR, FOIR and LTV metrics.
- Experienced in assessing financial statements, cash flows, GST compliance and banking transactions.
- Adept in co-lending guidelines, internal credit policies, and end-to-end loan processing.
- Seeking to contribute to ICICI Bank as Credit Manager with strong risk assessment and compliance skills.
Overview
6
6
years of professional experience
Work History
Credit Manager
ECL Finance Ltd (Edelweiss Group)
Bangalore
03.2025 - Current
- Managed credit underwriting, loan appraisal and portfolio risk assessment for secure SME business loans.
- Analysed CIBIL reports, banking patterns, repayment behaviour and borrower financials.
- Evaluated DSCR, FOIR and LTV in line with internal credit guidelines.
- Conducted financial statement analysis and GST verification to assess business health.
- Executed co-lending loan appraisals with IDFC, Godrej and CBOI.
- Managed end-to-end loan processing including system sanctioning, legal checks and documentation.
- Ensured postndisbursement compliance and coordinated follow-ups with stakeholders.
- Achievement: Improved credit quality and reduced risk deviations across assigned portfolio.
- Developed risk mitigation strategies to minimize potential losses.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Reviewed accounts for signs of fraud and non-payment issues.
Article Assistant
N. Prabakaran & K.M. Ganga, Chartered Accountants
Karur
02.2020 - 02.2023
- Handled tax compliance for 100+ clients including GST filing, registrations, refunds and reconciliations.
- Prepared financial statements and ensured accuracy with accounting standards.
- Conducted concurrent audits at Karur Vysya Bank (Head Office - FCD).
- Identified GL discrepancies resulting in INR 2 Lakhs savings in potential penalties.
- Assisted in preparing financial statements and reports for client accounts.
Education
Chartered Accountant -
ICAI
Class X & XII -
Bharani Park Matric Hr Sec School
Skills
- Credit Appraisal
- Financial Analysis
- Loan Underwriting
- Risk Assessment
- Cash Flow Analysis
- Collateral Evaluation
- Regulatory Compliance
- Financial Reporting
- GST Compliance
- Tally Prime
- MS Excel
- Credit risk assessment
Accomplishments
- Identified GL mismatches at KVB audit saving INR 2 Lakhs in penalties.
Languages
- English
- Tamil
Personal Information
Title: Credit Manager | Chartered Accountant
Languages
Tamil
First Language
English
Advanced
C1
Timeline
Credit Manager
ECL Finance Ltd (Edelweiss Group)
03.2025 - Current
Article Assistant
N. Prabakaran & K.M. Ganga, Chartered Accountants
02.2020 - 02.2023
Chartered Accountant -
ICAI
Class X & XII -
Bharani Park Matric Hr Sec School