Moiz Mailwar

About Moiz Mailwar

Experienced banking professional with 8+ years of expertise in working capital and business banking, currently working as Manager at ICICI Bank in the Working Capital division. I partner with MSME and corporate clients to structure end-to-end working capital solutions across Cash Credit (CC), Overdraft (OD), Bank Guarantees (BG), and Letters of Credit (LC), aligned to their business cycles and cash flow needs. In my role, I focus on:Understanding client business models, assessing financials, and structuring CC/OD limits to optimise liquidity and manage day-to-day operations efficiently.*Designing non-fund based solutions like LC and BG to support trade, supplier payments, and performance obligations with robust risk management.*Driving relationship-led growth by deepening wallet share, cross-selling suitable banking products, and ensuring a seamless service experience for promoters and finance teams. With an MBA in Finance and Marketing from Jawaharlal Nehru Technological University, I bring strong analytical skills, sales acumen, and relationship management experience from previous roles in HDFC Bank and fintech, where I consistently exceeded business and portfolio quality targets. I am particularly interested in the intersection of technology, data, and working capital finance, and actively engage with content and conversations around evolving banking and fintech trends. Open to connecting with entrepreneurs, CFOs, and banking professionals to discuss working capital structuring, CC/OD/LC/BG solutions, and new opportunities in business banking.

Experience

1. Manager- i Business Banking Business Loans Group

   ICICI Bank

   May 2025 — Present · Hyderabad, IN

   Key Responsibilities (KRAs):Lead credit appraisal, loan approvals, and disbursals by analyzing financial statements, ratios, industry trends, and solvency to ensure sound lending decisions.Conduct thorough credit investigations, verify documents, prepare risk reports, and assign internal ratings based on repayment history and obligations.Identify, mitigate, and escalate risks; collaborate with teams to implement strategies and address barriers to project delivery.Manage post-sanction follow-ups, loan modifications, and adherence to company risk policies.Build and maintain client relationships: gather financial data, negotiate terms, explain credit processes, and drive loan approvals.Train and develop credit operations team, enforce policies, monitor performance, and align stakeholders across delivery phases.

Education

• Osmania University

  Bachelor of Commerce - BCom, Business/Commerce, General

• Jawaharlal Nehru Technological University

  Master of Business Administration - MBA, Finance & Marketing