AMAN SINHA
Business Analyst
Noida
Summary
Business Analyst | Former Area Credit Manager
Detail-oriented and analytical Business Analyst with experience in analyzing business processes, identifying areas for improvement, and implementing data-driven solutions. Proficient in gathering and documenting requirements, performing gap analysis, and collaborating with stakeholders to define business needs and objectives.
Previously served as a Area Credit Manager, where I honed expertise in risk assessment, financial modeling, and decision-making processes, with a proven track record of improving credit strategies and boosting operational efficiency.
Overview
7
7
years of professional experience
1
1
Certificate
2
2
Languages
18
18
years of post-secondary education
Work History
Business Analyst
Newgen Software Technologies
10.2024 - Current
- Responsible for requirements gathering, documentation, defining solutions towards business requirements, estimations and liaising with sales, management, and technical team
- Actively participated in team meetings to share knowledge, exchange ideas, address challenges, and collaborate on potential solutions
- Interacted with internal customers to understand business needs and translate into requirements and project scope.
- Developed high-quality documentation to support training efforts, helping employees fully understand new systems and procedures.
- Performed gap analysis between existing systems or processes and desired state, identifying areas for improvement or enhancement
- Supported software development projects by defining clear requirements and effectively communicating them to technical teams
- Collaborated with IT to develop business intelligence tools, enhancing quality of data-driven decision-making
Area Credit Manager- Retail Assets
ICICI Bank Limited
12.2022 - 10.2024
- Company Overview: A leading private sector bank in India
- Conduct detailed credit analysis, including financial statement review, credit scoring, and risk assessment for Home Loans, Loans against Property, Business Loans, Personal Loans and Auto Loans applicants
- Undertake comprehensive 360 Banking assessment of customers and offer right Banking solutions
- Develop and implement credit policies and procedures to mitigate risk and enhance loan portfolio quality
- Physical personal discussion at customer business premises to understand nature and trends of business
- Reading and understanding technical and Legal reports during disbursement for property proposed for collateral
- Negotiation and Dispute Resolution for lost sale deed, compiling with RBI guidelines
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly
- Used TCS's iLens and Newgen's RLOS to perform credit appraisals, document verification and loan approvals
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments
- A leading private sector bank in India
Credit Manager- Auto Loans
Yes Bank Limited
06.2022 - 12.2022
- Company Overview: A private sector bank in India offering a range of financial products
- Credit Appraisal of New Car Loan, Used Car Loan, Two-Wheeler and Used Two-Wheeler
- Preparation of Disbursement analysis, portfolio analysis on monthly basis
- Setting up of RC Limits for DSA/DDSA's and keeping a close watch on PDD Hygiene
- Training to vendor, agencies, sales team and CPA
- A private sector bank in India offering a range of financial products
Credit Manager-Retail Assets
ICICI Bank Limited
07.2018 - 06.2022
- Company Overview: A leading private sector bank in India
- Credit Appraisal and Underwriting of Self Employed as well as salaried profile for products Loan against Property, Home Loan, Business Loan, Education Loan and Personal Loans
- Investigated and evaluated customers for creditworthiness and potential risk factors
- Maintaining and setting up ICICI Bank Amazon Pay Credit Card in Bihar and Jharkhand region
- Regularly maintaining delinquency data disbursed cases and contributing with sales and DSMG for Collection and regularization of Loan Account
- A leading private sector bank in India
Education
MBA - Business Analytics
02.2025 - 03.2027
Post Graduate Diploma - Banking
11.2017 - 10.2018
Bachelors of Commerce -
04.2013 - 04.2016
Intermediate - Commerce
04.2011 - 03.2013
Matriculation -
01.2001 - 03.2011
Skills
Certification
Certificate in Credit Skills for Bankers, Moody's Analytics, 01/01/24
Accomplishments
- Received certificate of appreciation for underwriting by Zonal Head in January 2023.
- Recognized and awarded for best credit manager in category of 4Q1Q.
- Supervised a team of 3 credit Managers.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Manipal University - MBA, Business Analytics
02.2025 - 03.2027
Business Analyst - Newgen Software Technologies
10.2024 - Current
Area Credit Manager- Retail Assets - ICICI Bank Limited
12.2022 - 10.2024
Credit Manager- Auto Loans - Yes Bank Limited
06.2022 - 12.2022
Credit Manager-Retail Assets - ICICI Bank Limited
07.2018 - 06.2022
Manipal Academy of Higher Education Manipal University - Post Graduate Diploma, Banking
11.2017 - 10.2018
S.S. Memorial College Ranchi University - Bachelors of Commerce,
04.2013 - 04.2016
Marwari College - Intermediate, Commerce
04.2011 - 03.2013
Greenland Public School - Matriculation,
01.2001 - 03.2011
Certificate in Credit Skills for Bankers, Moody's Analytics, 01/01/24
Languages
Hindi
Advanced (C1)
English
Advanced (C1)
Bengali
Bilingual or Proficient (C2)
Personal Information
- Date of Birth: 11/17/1994
- Marital Status: Single
Disclaimer
I am confident of my ability to work both as a team member as well as team leader and declare that the information furnished above is true to the best of my knowledge.
Personal Information
- Date of Birth: 11/17/94
- Marital Status: Single
Projects
Ongoing Project at Aye Finance
Gurgaon
Completed Requirement Gathering and Gap Analysis
Led the requirement gathering phase, collaborating with stakeholders to understand business needs and technical specifications. Conducted a thorough gap analysis to identify discrepancies between the current system and desired outcomes. This analysis helped define the scope for system improvements and ensure alignment with business objectives. The insights gained are being used to drive the next phases of development and system optimization.
Bharat Financial Inclusion Limited (10/2024 - 01/2025)
Hyderabad
Worked on the requirement gathering and System Integration Testing (SIT) phases to ensure the alignment of business needs with technical solutions. Managed SIT execution, tracked progress and defects, and ensured high-quality delivery. Developed detailed test plans, test cases, and test scripts for various integration scenarios. Conducted regression testing to validate that new updates did not affect existing functionality.
ZCT - Zero Credit Touch (ICICI) (2020)
Hyderabad
Contributed to the Zero Credit Touch (ZCT) strategy, aimed at providing credit facilities without customer credit intervention. Focused on instant decision sales sourced files, improving turnaround time (TAT) and work-in-progress (WIP) management. Collaborated with product and policy teams to establish rules for BRE and performed comprehensive User Acceptance Testing (UAT) for the Personal Loan and Auto Loan modules in the Newgen RLOS (Retail Loan Origination System). Identified, tracked, and reported defects while working closely with development teams for timely resolutions and system improvements.
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