AISHWARYA SEKARAN
Bengaluru
Summary
Credit Manager experienced in underwriting, credit risk evaluation within retail and commercial equipment sectors. Achieved compliance with regulatory frameworks. Contributed to cross-functional assignments in Finance and customer service teams. Involved in internal and external audit processes, enhancing overall operational integrity.
Overview
1
1
Certification
8
8
years of professional experience
Work History
Credit Analyst
Caterpillar Financial Services India
Bangalore
08.2022 - Current
- Assessed credit risk, established limits and terms for customers based on their credit profiles. Performed credit examinations to inform lending decisions and minimize potential losses.
- Evaluated customer financial statements to determine lending eligibility and conditions.
- Monitored accounts to ensure compliance with lending policies and risk management standards, mitigating potential risks.
- Monitored and maintained compliance with internal controls and government regulations, safeguarding organizational integrity.
- Reviewed and updated credit policies to ensure alignment with industry regulations and standards, enhancing regulatory compliance.
- Conducted market research to identify trends affecting credit decisions and policies.
- Collaborated with other departments within the organization to ensure efficient processing of loan applications.
- Consulted with senior management regarding proposed changes in underwriting standards or procedures and SOP preparation
- Contributed to pitches that secured new business and expanded existing customer relationships through expert financial insights.
- Applied detail-oriented focus and investigative skills to assess situations and make informed decisions.
Area Credit Manager
ICICI Bank Ltd
Chennai
05.2018 - 07.2022
- Assessed credit risk, established limits and terms for customers based on their credit profiles.
- Performed credit examinations to inform lending decisions and minimize potential losses.
- Possessed extensive knowledge of personal loans and retail asset management.
- Contributed to pitches that secured new business and expanded existing customer relationships through expert financial insights.
- Exhibited meticulous attention to detail and strong investigative skills to enhance decision-making.
Education
MBA - FINANCE & MARKETING
Thiyagaraja School Of Management
MaduraiBachelor Of Engineering - Electronics and Communication
Mookambigai College Of Engineering
TrichySkills
- Lending guidelines
- Equipment assessment
- Credit and Income Analysis
- Creditworthiness assessment
- Compliance monitoring
- Risk assessment
- Data interpretation
- Software proficiency
- Customer relationship management
- Business communication
- Team collaboration
- Risk management
Certification
- Moody's Commercial Lending
- Moody's Accounting for Credit Professionals
- Moody's Commercial Loans
Accomplishments
- Eye On Quality Award, Q4 2023, As an SOX auditor for India LU
- Eye On Quality Award, Q2 2024, As a KYC Auditor
- Eye On Quality Award, Q3 2025, As a top performer for achieving high productivity within team in past three quarters.
- Eye On Quality Award, Q4 2025, For presenting the India LU in AP level Case competition with Caterpillar FPD division across Global
- Few other EOQs, As coordinator.
Timeline
Credit Analyst
Caterpillar Financial Services India
08.2022 - Current
Area Credit Manager
ICICI Bank Ltd
05.2018 - 07.2022
MBA - FINANCE & MARKETING
Thiyagaraja School Of Management
Bachelor Of Engineering - Electronics and Communication
Mookambigai College Of Engineering