ABHINAV BAID
CHATERED ACCOUNTANT
Chhatrapati Sambhajinagar (Aurangabad)
Summary
To work in a challenging and growth-driven environment where i can leverage my financial and managerial expertise, quickly adapt to new industries, and contribute effectively towards organizational success
Overview
9
9
years of professional experience
1
1
Language
Work History
Senior Credit Manager
ICICI Bank
04.2024 - Current
- Leading a team of credit analysts and managing end-to-end credit appraisal for retail and business loan portfolios.
- Supervising credit underwriting processes, and ensuring adherence to internal credit policies, and regulatory guidelines.
- Driving portfolio quality by monitoring delinquencies, early warning signals, and implementing corrective risk measures.
- Collaborating with sales, risk, and operations teams to optimize credit decision-making and improve turnaround time (TAT).
- Reviewing high-value and complex loan proposals, providing final recommendations, and approvals within delegated authority.
- Mentoring and training team members to enhance productivity, credit assessment quality, and decision consistency.
- Strengthening credit frameworks and processes to minimize risk while supporting business growth objectives.
- Managing stakeholder relationships, including senior management, auditors, and external partners.
- Leading process improvement initiatives and digital adoption to enhance efficiency and reduce operational gaps.
Credit Manager
ICICI Bank
05.2021 - 03.2024
- Responsible for managing the credit-granting process, including the consistent application of a credit policy, ensuring that all credit and loan standards are met.
- I have decided on 2,000+ retail asset proposals, including business, mortgage, and personal loans, with amounts ranging from 5 lakhs to 10 crores.
- Liaised with agencies, channel partners, branches, insurers, policy managers, and customers to ensure policy compliance and understanding.
- Sound knowledge of analyzing and evaluating financial information, cash flow, and ratios, interpreting financial trends with special emphasis on liquidity, leverage, and profitability.
- Implementing and encouraging the use of digital means, such as Fin-fort, account aggregator, E-Sign, etc., for quicker loan processing and reducing overall customer TAT.
- Developed Excel tools for tax calculations, loan amount eligibility, banking evaluation, and other financial analyses, resulting in a reduction of the overall time to process a loan proposal.
- Designed credit check procedures at the source of new applications to eliminate customers who do not meet minimum criteria prior to a full credit check.
Article Assistant
M. R. Hundiwala & Co.
08.2017 - 02.2021
- Identified control gaps in processes, procedures, and systems, and suggested methods for improvements during internal audits of entities with turnover above 2,000 crores.
- Tax audits and statutory audits of companies involving compliance with corporate law provisions, CARO, accounting standards, auditing standards, etc.
- Gained exposure in consolidation and transfer pricing of entities with multiple divisions and foreign subsidiaries.
- Have audit exposures in Manufacturing, Service, e-business, Insurance, and Power Industry, and managed various business functions such as Procurement, Human Resources, Information Technology, Inventory, Sales, Receivables, Production, etc.
- Identified a procedural gap during the internal audit engagement, which ensured the timely availment of GST credit of approximately.
- Identified a potential GST credit of approximately 50 lakhs during the internal audit.
- Technically updated with MS Excel, SAP, Tally, and other accounting and auditing software.
Education
Chartered Accountant - Both Groups
ICAI
India 04.2001 -
HSC - undefined
CBSE
03-2016
SSC - undefined
ICSE
03-2014
Skills
- Problem-solving
- Analytical Skills
- Critical Thinking
- Team leadership
- Cooperative
- Responsible
Accomplishments
- Awarded as best presenter in MCS
- Secured exemptions in International Taxation, Accounting, Costing, etc.
- Stood 1st in school in HSC examination
Hobbies
- Awarded as best presenter in MCS
- Secured exemptions in International Taxation, Accounting, Costing, etc.
- Stood 1st in school in HSC examination
Timeline
Senior Credit Manager
ICICI Bank
04.2024 - Current
Credit Manager
ICICI Bank
05.2021 - 03.2024
Article Assistant
M. R. Hundiwala & Co.
08.2017 - 02.2021
Chartered Accountant - Both Groups
ICAI
04.2001 -
HSC - undefined
CBSE
SSC - undefined
ICSE