SANKET MOHAN UDEWAL
Hyderabad
Summary
Analytical and results-oriented Credit Manager with 5+ years of experience in credit evaluation, financial Analysis, and SAP FICO processes. Skilled at mitigating credit risk, structuring loan proposals, and ensuring Compliance with RBI regulations. Adept at leveraging Power BI dashboards and SQL-based data analysis to deliver accurate reporting, detect early warning signals, and support strategic decision-making. Known for Maintaining low NPA levels, developing credit-scoring frameworks, and enabling informed lending decisions.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Credit Manager
ICICI Bank Ltd.
Hyderabad
09.2022 - Current
- Evaluated creditworthiness of 200+ Affordable Housing loan clients annually, ensuring timely loan approvals while maintaining 99% compliance with RBI and internal policies.
- Processed and evaluated Affordable Housing Loan (AHL) applications as per bank policies and regulatory guidelines.
- Verified customer KYC documents, income proofs, and property documents for loan eligibility.
- Conducted credit assessment and risk analysis before loan approval.
- Coordinated with sales team, credit managers, and legal teams for smooth loan processing.
- Ensured compliance with housing finance regulations and internal credit policies.
- Reviewed loan sanction documents, agreements, and disbursement requests.
- Maintained accurate records of loan files, documentation, and approvals.
- Monitored loan disbursement and post-disbursement documentation.
- Handled customer queries related to affordable housing loan products and eligibility.
- Ensured quality checks and error-free processing of loan applications within TAT.
- Designed and implemented credit-scoring models, improving approval efficiency by 15%.
- Prepared in-depth credit proposals, reducing turnaround time for sanctioning loans by 20%.
- Consistently maintained NPA levels below 1% by proactively monitoring risk triggers and restructuring cases.
- Partnered with risk, legal, and operations teams to streamline credit processes and improve decision-making.
SAP Finance Associate
Tata Communications Ltd.
Pune
12.2020 - 09.2022
- Supported FI-GL, AP, AR, and Asset Accounting processes for multi-country finance operations.
- Automated vendor/customer reconciliations, improving accuracy and saving 10+ hours monthly.
- Configured banking, dunning, and payment automation processes in SAP to improve efficiency.
- Created training guides and process manuals to strengthen knowledge transfer and user adoption.
Education
MBA - Finance
MM's Institute of Management Education & Research
PuneB.Com -
Amravati University
Skills
- Credit Appraisal & Risk Assessment
- Loan Structuring & Regulatory Compliance (RBI, Basel)
- SAP FICO - AP, AR, GL, Asset Accounting
- Financial Reporting & Cash Flow Analysis
- Data Analytics - SQL & Power BI (dashboards, KPIs, visual insights)
- Business Forecasting & Investment Research
- Client Relationship & Negotiation
Certification
- SAP FICO Certification - R2R, AP, AR, Payroll, Asset Accounting
- Power BI - Business Analytics & Dashboards
- SQL - Database Queries & Financial Reporting
- Finance Specializations - Investment Analysis, Risk Management, Financial Markets
Accomplishments
- Recognized for best credit proposal turnaround at ICICI Bank in 2023.
- Member of Corporate Division Cell at IMERT College
- Volunteered at International Finance & HR Conclave (IMERT, Pune)
Projects
- Equity Research - IT Sector, Conducted financial analysis on IT companies, assessing investment potential and market performance.
- Investment Options Study, Compared financial instruments for risk-return, lock-in period, and tax benefits.
- Summer Internship, Future Generali Life Insurance, 2019, Gained exposure to insurance sales and equity research.
Timeline
Credit Manager
ICICI Bank Ltd.
09.2022 - Current
SAP Finance Associate
Tata Communications Ltd.
12.2020 - 09.2022
MBA - Finance
MM's Institute of Management Education & Research
B.Com -
Amravati University