Sandeep Virkar

Deputy Manager Ii @ICICI Bank

Mumbai, IN

Managed a portfolio of Cash Credit (CC) accounts for corporate/SME clients, ensuring adherence to sanction terms and mitigating potential credit risks.Accurately calculated and updated Drawing Power (DP) for Cash Credit facilities based on submitted stock statements, book-debt statements, and other collateral. Thoroughly verified and analyzed stock statements and other underlying data (channel financing, advances, DP allocation letter) for accuracy, completeness, and genuineness to prevent over-financing or fraudIdentified and escalated deviations from sanctioned terms, including non-submission of stock statements, abnormal account operations, and breaches of financial covenants.Maintained comprehensive documentation for all monitoring activities, including stock statements and communication with client.Maintained strong relationships with clients, acting as a point of contact for all post-sanction queries and requirements related to their Cash Credit.Identified opportunities for process improvements in post-sanction monitoring and DP updation, contributing to enhanced efficiency and risk control.Collaborated with internal teams (e.g, Credit Sanction, Legal, Operations) to ensure seamless management of the Cash Credit portfolio.Ensured strict adherence to RBI guidelines and internal credit policies for all post-sanction activities, successfully clearing all internal and external audits related to the CC portfolio.DP zeroization pan India with exception reporting as per RBI mandate

K. J. Somaiya college of Arts and commerce

Bachelor of Commerce

University of Mumbai

MBA