ISHA AHUJA
Chartered Accountant
NOIDA
Summary
Experienced Credit Manager knowledgeable about creditworthiness and document review of Retails Assets. 9 years of experience in the Credit appraisal, Risk analysis, Business Analytics. Driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.
Overview
9
9
years of professional experience
12
12
years of post-secondary education
Work History
Regional Credit Manager, Retail Assets
ICICI Bank Ltd
Delhi NCR
04.2021 - Current
- Proficiently doing Personal loans, Business Installment loans, Credit card and New Auto loan proposals.
- Learning underwriting of Home Loan and Commercial Vehicle Loan proposals.
- Mentoring and training to team about the policy and consulted to help meet monthly target goals.
- Compiled data critical to analysis of annual bad debt.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Visits to various vendors, verification agencies, DSAs and Branches team members.
- Referred delinquent accounts to collections department.
- Implementation of new ideas into the process for smooth functioning and cost reduction purpose
Area Credit Manager
ICICI Bank LTD
Delhi NCR
04.2018 - 03.2021
Credit Manager
ICICI BANK LTD
Delhi NCR
09.2013 - 03.2018
Education
Bachelor of Commerce - Commerce
RCCV Girls College
Ghaziabad 05.2004 - 06.2007
Post Graduate Diploma in Business Management -
IMT, Ghaziabad
Ghaziabad 06.2007 - 07.2009
Chartered Accountant -
Institute of Chartered Account of India
Delhi 01.2006 - 11.2012
Skills
Policy application
undefinedTimeline
Regional Credit Manager, Retail Assets
ICICI Bank Ltd
04.2021 - Current
Area Credit Manager
ICICI Bank LTD
04.2018 - 03.2021
Credit Manager
ICICI BANK LTD
09.2013 - 03.2018
Post Graduate Diploma in Business Management -
IMT, Ghaziabad
06.2007 - 07.2009
Chartered Accountant -
Institute of Chartered Account of India
01.2006 - 11.2012
Bachelor of Commerce - Commerce
RCCV Girls College
05.2004 - 06.2007
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