Vishal Kandhway
New Delhi
Summary
Results-driven finance and banking professional with over 9 years of experience in credit and operations, specializing in mortgage disbursement, core accounting, and financial management. Currently serving as a Credit and Operations Manager at ICICI Bank, overseeing mortgage loan disbursements, risk assessments, and compliance at the Zonal Office in Dehradun. Demonstrated expertise in mortgage loan processing, credit analysis, and financial reporting. Proven ability to optimize operational efficiency, ensure regulatory compliance, and manage high-value loan disbursements.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Credit Operations Manager
ICICI Bank
Dehradun
04.2021 - Current
- Managed end-to-end processing of mortgage loan disbursements, ensuring adherence to bank policies and regulatory guidelines.
- Verified property documents, valuation reports, and legal compliance prior to loan sanctioning.
- Coordinated with legal teams, property appraisers, and customers to facilitate seamless loan processing.
- Conducted credit risk assessments, KYC verification, and background checks before loan approvals.
- Ensured compliance with internal risk policies and external regulatory requirements.
- Monitored and managed loan repayment schedules, EMI payments, and NPAs.
- Maintained accurate financial documentation, loan agreements, and audit trails.
- Collaborated with internal teams to implement automation and process improvement initiatives.
- Prepared MIS reports & data analyses to track loan performance and mitigate risks.
Finance & Accounts
FabHotels
Gurgaon
08.2019 - 03.2021
- Supervised revenue recognition, cost control, and cash flow management.
- Led internal audits, financial planning, and ledger reconciliations.
Senior Accountant
IFFCO
Nehru Place
10.2018 - 07.2019
- Managed financial reporting, taxation, and compliance.
- Handled vendor payments, reconciliations, and budget planning.
Accountant
Aakash Education
09.2015 - 03.2018
- Review invoices for appropriate documentation prior to payment.
- Perform invoice and general-ledger data entry.
- Execute credit card and bank account reconciliation.
- Generate purchase orders when necessary.
- Obtain and print signatures on all checks.
- Assist senior financial officers as needed.
Education
Executive MBA (EMBA) -
Doon University
Dehradun12-2024
Master of Commerce (M.Com) -
Vinoba Bhave University
12-2014
CA - Prep for CA
ICAI
01.2012
Bachelor of Commerce (B.Com) - Accounts (H)
VBU
09-2009
Intermediate (I.Com) -
JAC
05-2006
10th -
JAC
04-2004
Skills
- Mortgage Loan Disbursement & Operations
- Credit Risk Assessment & Compliance
- Loan Documentation & Verification
- Financial Reporting & Accounting
- Regulatory & Audit Compliance
- Process Optimization & MIS Reporting
- Team Leadership & Stakeholder Management
Certification
- Financial Risk Management by -Tute Dude- An IIT Delhi Alumini Initiative
- Credit Risk & Loan Management Training - ICICI Bank
- Advanced Excel & Financial Modeling Certification
Hobbies and Interests
- Traveling
- Financial Analysis
Disclaimer
I hereby declare that the above information is true to the best of my knowledge.
Languages
- English
- Hindi
Personal Information
Date of Birth: 02/03/90
Timeline
Credit Operations Manager
ICICI Bank
04.2021 - Current
Finance & Accounts
FabHotels
08.2019 - 03.2021
Senior Accountant
IFFCO
10.2018 - 07.2019
Accountant
Aakash Education
09.2015 - 03.2018
Executive MBA (EMBA) -
Doon University
Master of Commerce (M.Com) -
Vinoba Bhave University
CA - Prep for CA
ICAI
Bachelor of Commerce (B.Com) - Accounts (H)
VBU
Intermediate (I.Com) -
JAC
10th -
JAC