Rashmi Sinha
Bengaluru
Summary
I am a Chartered Accountant with specialized experience in Credit Underwriting, customer relationship management, and financial assistance for Home Loans, Loan Against Property (LAP), and Business Loans. My expertise lies in identifying and mitigating risk through strategic underwriting practices. Over the course of my career, I have developed strong leadership abilities, successfully managing and mentoring teams to deliver high-quality results. I thrive in dynamic environments, fostering collaboration and driving performance while maintaining a sharp attention to detail. Passionate about learning and taking on challenging roles, I am committed to continuous growth and delivering value to clients and organizations.
Overview
9
9
years of professional experience
Work History
Sr Credit Assessment Manager
ANZ Support Services
06.2021 - Current
- Make informed lending decision within a credit authority limit of AUD 3 million, assessing credit worthiness for various client types and ensuring compliance with credit policies and underwriting guidelines.
- Prioritize customer service by communicating decisions directly to submitters and liaising with brokers and BDMs to provide a positive outcome and enhance customer experience.
- Mentor and coach new hires to ensure high-quality deliverables in minimal time, conducting credit sessions to discuss monthly breaches and assist teammates with policy-related queries.
- Manage a team of 12 members, overseeing task planning, resource allocation, and daily data verification through the Active Timely Operations Management (ATOM) system.
- Perform workload forecasting and variance analysis, comparing projected workload with actual performance and filing variance reports for senior management.
- Allocate tasks based on team capacity and application complexity, ensuring optimal workload distribution.
- Monitor team productivity, address outliers, and present performance reports to senior leadership.
- Lead root cause analysis (RCA) for any breaches, identifying causes and implementing corrective actions.
- Oversee the escalation team independently, ensuring timely resolution of high-priority issues.
- Report team productivity, variance analysis, and blockers to senior management, and propose process improvements.
- Lead change initiatives in mortgage assessments, identifying opportunities for efficiency and fraud prevention.
- Manage project-related tasks, including creating training materials (e.g., AMB, PPT presentations).
- Perform quality checks for settled app and report any policy breaches.
Area Credit Manager
Aditya Birla Finance
09.2019 - 05.2021
- Managed and mentored a team of 3 Credit Managers and 5 CPAs, ensuring high performance and quality output.
- Oversaw team planning, workload distribution, and leave schedules for seamless operations.
- Underwrote Business Installment and Home Loans within credit authority, recommending higher-level approvals as needed.
- Conducted site visits and customer discussions for comprehensive loan assessments and justifications.
- Prepared risk analysis reports by evaluating financial statements and assigning risk ratings per policy.
- Monitored loan approvals, disbursements, and portfolio quality through MIS reports to maintain credit quality.
- Led CPA recruitment interviews, managed vendor relations, and coordinated finance for timely payments.
- Independently managed ECLGS loan underwriting and disbursement during COVID-19, focusing on portfolio and collections.
- Trained agents and DSAs on policies and updates to support business growth.
Credit Manager
ICICI Bank
02.2016 - 09.2019
- Analyzed and approved credit proposals for loan applications, assessing financial data and collateral valuation.
- Conducted CMA, ratio, bank statement, and cash flow analyses for business loans.
- Promoted cross-selling in client discussions, boosting income through tailored financial solutions.
- Organized training sessions for branch staff, DSAs, and channel partners on loan products and quality sourcing.
- Managed a 16-member CPA team, overseeing loan processing and disbursements, ensuring compliance with RBI and company policies.
- Led projects on assessment system transition and developed Excel models for streamlined assessments.
- Recommended updates to credit policies to align with market and regulatory changes.
Education
CA -
ICAI
Patna02-2016
B COM -
Patna Women's College
Patna04-2012
Skills
- Credit Underwriting
- Customer Service Management
- Risk Analysis
- Financial Analysis
- Due Diligence
- Resource Management
- Team Building
- Reporting
- Coaching and Training
Accomplishments
- Consistently rated as “Exceeded” for performance in all three years at ANZ (2022, 2023, 2024).
- Recognized as a top performer, delivering high-quality output and consistently ranking in the top 10 assessor and team lead.
- Successfully completed BUPLAS communication training in 2021, specializing in handling overseas clients.
- Received monthly “Reward and Recognition” multiple times in the past year at ANZ for exceptional performance.
- Received the “Extraordinary Performance” award from the Executive Director of ICICI Bank at the BKC, Mumbai branch in 2019.
- Awarded for “Outstanding Performance” for achieving maximum productivity within Turnaround Time (TAT) during the 1st Quarter of FY 2017-18 in the ICICI Champions League 2018 by Yuvraj Singh.
- Honored with the “Eagle Eye Award” in 2017 at ICICI Bank, Hyderabad, for detecting two cases of fraud during the underwriting of business loan.
Timeline
Sr Credit Assessment Manager
ANZ Support Services
06.2021 - Current
Area Credit Manager
Aditya Birla Finance
09.2019 - 05.2021
Credit Manager
ICICI Bank
02.2016 - 09.2019
CA -
ICAI
B COM -
Patna Women's College
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