Pranaya S.

Deputy Manager Band Ii @ICICI Bank

Hyderabad, IN

Conducted credit appraisal and underwriting of retail loan products including Home Loans, Personal Loans, Auto Loans, Business Installment Loans and Education Loans.• Analyzed financial documents such as ITRs, balance sheets, salary slips, bank statements to assess borrower’s repayment capacity and creditworthiness.• Handled and underwrote high value cases of Mortgage Loan using the newly introduced methodologies aligned with updated credit policy guidelines along with a focus on quality underwriting and compliance. • Evaluated risk profiles and ensured adherence to credit policy, regulatory guidelines (RBI norms), and internal audit requirements.• Collaborated with other team members and seniors for complex income assessment cases.• Engaged in portfolio monitoring to identify early warning signals and recommend appropriate risk mitigation strategies.• Maintained delinquency levels below 2% with effective monitoring and risk-mitigation.

Hislop College

Bachelor of Commerce - BCom, Accounting and Business/Management

Institute of Chartered Accountants of India

Accounting and Finance

Bharatiya Vidya Bhavans Nagpur

AISSCE