MS Office
AVINASH KERKETTA
Bangalore,Karnataka
Summary
Knowledgeable financial professional experienced in assessing credit viability for corporate borrowers. Good organizational and critical thinking skills. Offering more than 5 years of related experience.
Overview
2025
2025
years of professional experience
Work History
Regional Head - Business, Commercial Payments
Happay - Business Expense Management
09.2023 - Current
- Increased sanctioned portfolio by 61.0%, adding Rs 6.90 crore in Q4 FY2025 from south region
- Achieved average utilization of 71.82% for newly added portfolio in FY 2024.
- Analyzed creditworthiness of clients and facilitated their approval by our partner banks.
- Achieved 62.5% sanction rate for clients, amounting to Rs 7.05 crore in Q4 FY2024
- Zero rejection rate for credit-assessed clients from Partner Bank.
- Managed Partnership with banks in terms of process flow and onboarding
- Collaborated with partner bank to develop new KYC documentation process compliant with RBI norms.
- Reduced number of errors by ~70% and onboarding TAT by ~50% in KYC
Credit Risk Manager
VA Tech Ventures Private Limited (Happay)
6 2022 - 08.2023
- Evaluated riskiness of debt instruments to measure entity's ability to meet its obligations for 78 corporate clients
- Created unsecured book size of Rs 50cr in six months with book growth of 100% compared to last financial year
- Rejection percentage in credit analysis done is 51.23% and sanction percentage is 34.61% for proposals shared in FY2023.
- Monitored and supervised existing clients in portfolio on their duly repayments and recent developments
- Worked and developed new product for initial-level acceptance
- Initiated and coordinated discussion on new product partnerships with financial institution (SBM Bank) for acceptance of program
Senior Manager, SME Group
ICICI Bank Limited
02.2019 - 06.2022
- Produced a monthly income of Rs 2.79 million, representing a growth of about 150% from Q-o-Q
- Delivered a book growth of about 200% in Rourkela region in Y-o-Y
- Handled portfolio of Rs 2000 million in Eastern Odisha
- Managed small niche portfolio of significant and complex SME clients
- Harvested relationships with clients from Mining Services, Iron & Steel & construction sectors having revenues in excess of Rs 1500 million
- Assessed and analysed working capital funding requirement of clients (both, fresh & existing) in SME in Eastern Odisha
- Analysed credit worthiness of companies spanning various encompassing industry/business research & financial due diligence.
- Analysed past & projected future business performance & benchmark against its peer performance
- Understood internal credit policies and ensured compliance of work streams with relevant policies
Regional Manager
Krsnaa Diagnostics Pvt Ltd
09.2018 - 02.2019
- Launched over 4 new locations through effective management of financial planning
- Increased revenue by 17% in 5 months through businesses in newly launched and allocated locations
- Worked on Government Diagnostics Projects across Assam, Meghalaya, Manipur, HP, Odisha and AP
- Monitored and Implemented new strategies for business growth across allocated regions
- Analyzed data to monitor stock level across centre and identified focus area among them
- Undertook sole responsibility for business growth and monitor sales in allocated zones
Education
MBA -
Indian Institute of Management Indore
Indore, Madhya Pradesh, India05.2018
Bachelor of Technology - Electrical Engineering
College of Engineering And Technology (CET)
Bhubaneswar, Odisha, India03.2016
Skills
- Corporate communications
- Sales channel analytics
- Market analysis
- Strategic planning
- Budget oversight
- Partnership development
Accomplishments
- Led internal training programs for sales teams, improving conversion rates by 20% through enhanced product knowledge and sales strategies.
- Optimized the sales pipeline and reporting processes, resulting in 20% faster lead conversion and improved sales forecasting accuracy
- Negotiated strategic partnerships with financial institutions, increasing referral business by 40% and expanding market reach.
- Leveraged market data and analytics to inform sales strategies, resulting in a 15% increase in lead-to-deal conversion
- Awarded highest revenue contribution for the managed region, achieving the highest annual revenue contribution
- Implemented advanced credit risk models and improved risk assessment procedures, reducing credit losses by 20% year-over-year
- Optimized the credit approval process, reducing turnaround time by 30% while maintaining a strong risk management protocol.
- Conducted regular portfolio reviews, improving the overall portfolio quality and reducing non-performing loans
- Trained and mentored junior analysts and cross-functional teams, improving team performance and risk analysis accuracy
Affiliations
- Selected among the top 25 teams across India for the Campus Round of Exide Innovation Challenge , a B-plan competition in 2017
- Awarded as Campus Winners in the Tech Mahindra Amplify - Building Consulting Solutions for the R&D Division in 2017
- Secured 2nd Runners-up in the Campus Round of ITC Interrobang Season 7, the Marketing case study competition in 2017
- Appointed as OYO ROOMS Campus Cadet , representing OYO ROOMS at Indian Institute of Management Indore in 2017
- Among top 7% in an Engineering batch of 458 students in College of Engineering and Technology, Bhubaneswar in 2016
- Awarded Merit scholarship for being in the top 10% of the batch with the strength of 458 students in CET, Bhubaneswar 2015
Software
SQL
Qlikview
R Programming
Timeline
Regional Head - Business, Commercial Payments
Happay - Business Expense Management
09.2023 - Current
Senior Manager, SME Group
ICICI Bank Limited
02.2019 - 06.2022
Regional Manager
Krsnaa Diagnostics Pvt Ltd
09.2018 - 02.2019
Credit Risk Manager
VA Tech Ventures Private Limited (Happay)
6 2022 - 08.2023
MBA -
Indian Institute of Management Indore
Bachelor of Technology - Electrical Engineering
College of Engineering And Technology (CET)
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