CA Vidhi Bhatia
Summary
Dynamic credit professional with extensive experience at ICICI Bank, adept at credit analysis and team development. Successfully implemented risk policies that reduced bad debt provisions by 5%. Proven ability to enhance operational efficiency through collaboration and problem-solving, leading teams to achieve high-quality lending standards.
Pursuing a role that presents professional challenges and leverages interpersonal skills, effective time management, and problem-solving expertise.
Overview
7
7
years of professional experience
Work History
Area Head-Retail Credit
ICICI Bank
06.2023 - Current
- Kept business operations smooth and efficient by closely monitoring operations and revamping workflows.
- Led a team of 5 junior analysts, providing training and mentorship to enhance their performance in assessing financial statements to determine credit worthiness of the clients.
- Developed and worked for implementation of credit risk policies and procedures, resulting in a 5% reduction in bad debt provisions.
- Conducted detailed due diligence on prospective borrowers to maintain high-quality lending portfolio standards.
Regional Credit Manager
ICICI Bank
06.2021 - 05.2023
- Evaluated loan applications for risk factors, ensuring compliance with established underwriting guidelines and industry regulations.
- Collaborated with cross-functional teams to streamline credit processes and improve efficiency
- Collaborated with sales teams to balance risk and revenue growth, aligning credit policies with business objectives.
- Coordinated cross-functional teams in order to implement new policies designed to reduce overall default rates within the region.
Credit Manager
ICICI Bank
02.2018 - 05.2021
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
Education
CHARTERED ACCOUNTANT -
INSTITUTE OF CHARTERED ACCOUNTANTS OF INDIA
KANPUR05-2017
B.COM -
CSJMU
KANPUR06-2015
HSC -
DR. VS.E.C
KANPUR04-2012
SSC -
DR. V.S.E.C.
KANPUR04-2010
Skills
- Team development
- Work Planning and Prioritization
- Problem-solving
- Credit Analysis
- Teamwork and collaboration
Timeline
Area Head-Retail Credit
ICICI Bank
06.2023 - Current
Regional Credit Manager
ICICI Bank
06.2021 - 05.2023
Credit Manager
ICICI Bank
02.2018 - 05.2021
CHARTERED ACCOUNTANT -
INSTITUTE OF CHARTERED ACCOUNTANTS OF INDIA
B.COM -
CSJMU
HSC -
DR. VS.E.C
SSC -
DR. V.S.E.C.
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