Ajinkya Sumbe
Pune,Maharashtra
Summary
Dynamic Credit Manager with extensive experience at ICICI Bank, excelling in credit risk management and policy implementation. Proven track record in enhancing operational efficiency and mentoring teams. Skilled in credit analysis and underwriting, driving informed decision-making to optimize cash flow and minimize risk. Committed to achieving excellence in financial performance.
Overview
11
11
years of professional experience
Work History
Credit Manager
ICICI Bank
05.2022 - Current
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Monitored accounts for signs of fraud and non-payment issues.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Used CIBIL and CPCS to perform credit appraisals, document verification and loan approvals.
- Referred delinquent accounts to collections department or outside resources.
- Attended ongoing professional training to facilitate accurate and productive credit management.
Credit Officer
RBL Bank
08.2019 - 04.2022
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Organized and finalized loan applications for underwriter review.
CPA Manager
I Process Services India Private Limited
11.2014 - 07.2019
- Managed team of associates to elevate performance and promote development.
- Reviewed monthly and quarterly reporting for accuracy and regulatory compliance.
- Reviewed and presented monthly, quarterly and other ad hoc analytics for business, accounting and financial leadership.
- Reviewed monthly journal entries and reconciliations to find and resolve variances.
Education
MBA - Finance
G.H. Raisoni College of Engineering And Management
Ahmednagar, India01-2015
Bachelor - Commerce
Ahmednagar College
Ahmednagar 05-2011
Skills
- Credit risk management
- Policy application
- Underwriting expertise
- Risk assessments
- Policy implementation
- Risk analysis
- Credit analysis
- Application review
- Research and due diligence
- Mentoring and training
- Application processing
- Credit evaluations
Timeline
Credit Manager
ICICI Bank
05.2022 - Current
Credit Officer
RBL Bank
08.2019 - 04.2022
CPA Manager
I Process Services India Private Limited
11.2014 - 07.2019
MBA - Finance
G.H. Raisoni College of Engineering And Management
Bachelor - Commerce
Ahmednagar College
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