Jahnavi Rachchh

I have 6.5 years of experience in credit underwriting for corporate business loans, beginning my career at ICICI Bank in April 2019 as a Credit Manager for Business Loans (Working Capital) at MT Grade. I was promoted to Senior Credit Manager (MMI) in April 2020, then to Area Credit Head (MMII) in April 2022, and most recently to CMI Grade in April 2025. Starting from an entry-level role, I now lead a team of credit managers, overseeing high-value underwriting decisions and driving regional credit strategy.

team of credit managers.

• Underwrote corporate business loans across Saurashtra and Kutch, including Rajkot, Morbi, Junagadh, Jasdan, Gondal, Gandhidham, and Jamnagar.
• Conducted financial and risk assessments of borrowers, analyzing industry trends, market positioning, and financial statements.
• Structured and negotiated credit facilities aligned with borrower needs and internal risk appetite.
  Monitored portfolio performance, identified early warning signals, and implemented proactive risk mitigation strategies.
• Led a team of 5 credit professionals in underwriting and managing diverse business loan portfolios.
• Prepared detailed management reports on portfolio performance, risk exposure, and industry trends.
  Presented credit proposals to senior management, outlining key terms, risks, and mitigants.
• Conducted client unit visits to assess operational scale and business cycles.
• Managed credit products including Cash Credit, Overdraft, Bank Guarantee, Export Packing Credit, Post Shipment Credit, LC, SBLC, Foreign Bill Discounting, Derivatives, Channel Finance, Term Loans, and Gold Metal Loans.
  

Achievements:

• Over the course of my 6.5-year journey with ICICI Bank, I have handled credit underwriting proposals across the Saurashtra and Kutch regions, covering key locations such as Rajkot, Morbi, Junagadh, Jasdan, Gondal, Gandhidham, and Jamnagar.
• Successfully managed a portfolio of 500cr (Ticket size of portfolio ranges from Rs.1.00Mn to Rs.750.00Mn) of Business banking loan clienteles in diversified industry such as Real estate, construction contractors, Exports, manufacturers of FMCG products and Ceramic products and Steel and Iron casting products, textile, Oil millers and Agri entities.
• I have sanctioning power of NCA/ERV credit proposal upto Rs.50.00Mn and Renewal proposal upto Rs.100.00Mn.
• Implemented a new client onboarding process, resulting in a Quantify Improvement for better customer experience and faster decisioning.

• Collaborated effectively with senior accountants and partners to deliver exceptional client service.
• Prepared and filed income tax returns for a diverse clientele, ensuring compliance with all applicable regulations.
• Conducted comprehensive statutory audits for businesses in various industries, including financial statement analysis, risk assessment, and internal control evaluation.
• Provided clients with expert advice and guidance on direct and indirect tax matters, helping them optimize their tax liabilities and maintain compliance.
• Conducted meticulous bank audits, verifying transactions, reconciling accounts, and identifying any irregularities.
• Identified and resolved complex tax issues for clients, resulting in significant tax savings.
• Streamlined the audit process, reducing completion time by [Specify Reduction] while maintaining high standards of accuracy.

• Assisted senior associates and partners in providing exceptional client service and building strong client relationships.
• Prepared and filed income tax returns for individuals and businesses, ensuring accuracy and compliance with tax laws.
• Conducted meticulous statutory and bank audits, analyzing financial statements, assessing risk, and verifying internal controls.
• Provided consulting services on indirect tax matters, including VAT and GST, to help clients optimize their tax positions.
• Developed comprehensive CMA projections for businesses, analyzing financial data, forecasting future performance, and providing insights for strategic decision-making.
• Identified potential tax savings for clients by leveraging knowledge of tax laws and regulations.
• Successfully managed multiple client engagements simultaneously, delivering high-quality work within tight deadlines.