Summary
Overview
Work History
Education
Skills
Personal Information
Timeline
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Jayasree Kancharla

Senior Credit Manager
Hyderabad

Summary

Accomplished Chartered Accountant with 4.5 years of diverse experience in multinational and banking sectors. Demonstrated strong subject mastery by clearing CA in the 2nd attempt. Proven expertise in credit appraisal, risk analysis, and financial analytics. Recognized for analytical acumen, detailed financial reporting, and effective team leadership. Received the Process & Compliance Award for excellence in building a quality credit portfolio.

Overview

9
9
years of professional experience
8
8
years of post-secondary education
3
3
Languages

Work History

Senior Credit Manager

ICICI Bank Limited
12.2021 - Current
  • Independently prepare and approve Credit Appraisal Memos (CAM), proposal notes, and underwriting documents, outlining risk and return for retail asset products.
  • Analyze financials of corporates, including bureau checks (CIBIL), P&L, balance sheets, trend and ratio analysis, and overall financial health.
  • Conduct limit assessments and credit analysis based on year-on-year performance, account statements, debt/equity changes, investments, growth prospects, and repayment conduct.
  • Lead and mentor the credit team, allocate tasks, conduct process training, monitor performance, and report productivity and challenges to senior management; collaborate with business teams to achieve month-end targets.
  • Act as First Point of Reference (FPR) for user acceptance testing (UAT) of loan processing software, providing policy-driven feedback to product and technology teams; contribute to central projects for product growth and process improvement.
  • Coordinate with external auditors for process walkthroughs and compliance across different products.
  • Recipient of the 'Process & Compliance Award' by the Head – Retail Credit & Policy, Retail Business, for valuable contributions in building a quality portfolio through strict adherence to process and compliance.

SAP Analyst

Tata Consultancy Services
09.2020 - 12.2021
  • Monitored SAP system performance, proactively identifying and resolving issues to ensure stability and reliability.
  • Managed and resolved user-reported incidents within SLAs, performing root cause analysis and implementing configuration changes and enhancements.

Article Assistant

Pandurangamuty & Associates
04.2016 - 04.2019
  • Conducted tax audits and reviewed compliance with various sections of the Income Tax Act.
  • Drafted audit reports as per CARO requirements; advised clients on GST registration, taxability, and TDS applicability.
  • Reviewed financial statements and notes to accounts, ensuring adherence to Indian GAAP.

Education

Chartered Accountancy -

Institute of Chartered Accountants of India
06.2014 - 11.2019

Intermediate (10+2) - undefined

Board of Intermediate
06.2012 - 03.2014

SSC (10th Standard) - undefined

Board of Secondary Education
04.2011 - 04.2012

Skills

Credit Appraisal & Risk Analysis

Personal Information

  • Date of Birth: 06/03/1997
  • Marital Status: Married

Timeline

Senior Credit Manager

ICICI Bank Limited
12.2021 - Current

SAP Analyst

Tata Consultancy Services
09.2020 - 12.2021

Article Assistant

Pandurangamuty & Associates
04.2016 - 04.2019

Chartered Accountancy -

Institute of Chartered Accountants of India
06.2014 - 11.2019

Intermediate (10+2) - undefined

Board of Intermediate
06.2012 - 03.2014

SSC (10th Standard) - undefined

Board of Secondary Education
04.2011 - 04.2012

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Jayasree KancharlaSenior Credit Manager