GUNJAN ASWANI
KANPUR
Summary
Dynamic credit professional with extensive experience at ICICI Bank Ltd, excelling in credit risk assessment and portfolio management. Proven track record of reducing delinquency by 30% and leading high-performing teams. Adept at fraud prevention and training, driving significant improvements in operational efficiency and client relationships.
Overview
2026
2026
years of professional experience
Work History
ZONAL CREDIT HEAD- RETAIL ASSETS
ICICI BANK LTD
KANPUR
04.2022 - Current
- Handled a retail asset portfolio comprising secured and unsecured loans, achieving a monthly business volume of Rs.1,200 million.
- Leading a team of 23 credit professionals and 14 operations team members.
- Conducted monthly evaluations of state-wide portfolio performance, focusing on quality metrics and delinquency.
- Developed and implemented a PAN India framework addressing various types of fraud in lending.
- Managed PDD control for statewide mortgage portfolio monitoring.
- Created academy training curriculum on mortgages for nationwide new credit managers. I was also part of the designated trainers list
- Developed a module for implementing underwriting checks to enhance quality, and improve audit scores.
Zonal Credit Manager
Icici Bank Ltd
Kanpur
04.2018 - 03.2022
- WIP management and control to deliver faster TAT across all retail products.
- Training and implementation of cross products underwriting of all loans by team members post-merger of the retail asset portfolio in 2020.
- Pioneer in penetration of digital initiatives of the bank, such as Finfort.
- Training and collaboration with branch team members for increasing sourcing from branches.
Regional Credit Manager- Mortgages
ICICI BANK LTD
Kanpur
01.2014 - 03.2018
- Conducted detailed financial analyses to determine creditworthiness of potential and existing clients.
- Led, trained, and supervised credit department staff, promoting a culture of high performance and accountability.
- Oversaw state-wide PDD for mortgages, achieving a 30% reduction.
- Assessment of high-value loans (more than 10 Cr) and clearance through the risk department.
AREA CREDIT MANAGER- AUTO LOANS
ICICI BANK LTD
NEW DELHI
01.2009 - 01.2011
- Developed strategies for reducing customer delinquency and increasing collections efficiency.
- Established credit limits by analyzing financial information and assessing market conditions.
- Worked with cross-functional teams to achieve goals.
- Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
AREA CREDIT MANAGER- Mortgages
ICICI BANK LTD
Kanpur
- Established relationships with external vendors such as debt collection agencies when necessary.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Established credit limits by analyzing financial information and assessing market conditions.
- Prepared and presented regular reports on credit risk exposure and performance to senior management.
Education
MBA - Finance
NIRMA INSTITUTE OF MANAGEMENT
AHMEDABAD03-2007
Skills
- Credit risk assessment
- Portfolio management
- Fraud prevention
- Financial analysis
- Customer relationship management
- Team leadership
- Training & Development
Timeline
ZONAL CREDIT HEAD- RETAIL ASSETS
ICICI BANK LTD
04.2022 - Current
Zonal Credit Manager
Icici Bank Ltd
04.2018 - 03.2022
Regional Credit Manager- Mortgages
ICICI BANK LTD
01.2014 - 03.2018
AREA CREDIT MANAGER- AUTO LOANS
ICICI BANK LTD
01.2009 - 01.2011
AREA CREDIT MANAGER- Mortgages
ICICI BANK LTD
MBA - Finance
NIRMA INSTITUTE OF MANAGEMENT
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