Vishal Jain has over 13 years of experience in credit risk management and business lending. He currently works as a Zonal Risk Manager at ICICI Bank, where he leads a team of 10 risk analysts and is responsible for underwriting business loans and managing credit risk in multiple states. Prior to this role, he held positions as Area Credit Manager and Branch Head at ICICI Bank. He has expertise in credit appraisal, loan sanctioning, and portfolio management. Vishal also has experience working in finance and accounting roles for companies in various industries. He holds a CA certification and M.Com degree.

1. Key Skills Profile Summary
• Currently working as Zonal Risk Manager – Business Loans
Underwriting at ICICI Bank Limited with hands-on experience in
leading Credit & Policy Group for Delhi, NCR, Punjab, Haryana, Chandigarh,
HP, J&K with a team of 10 Risk Analysts (Chartered Accountants)
• Exhibited leadership in directing the assessment of working capital
facilities (fund based & non fund based limits), lending while
reviewing and analysis of profit & loss account, balance sheet &
cash flow statements
• Excellence in improving the quality of credit evaluation,
recommending appropriate pricing on the basis of risk return
framework, identifying potential NPA account, automation of loan
underwriting process
• Skilled in designing & implementing systems, policies &
procedures, sanctioning of different products to customers in compliance
with the eligibility and other policy guidelines of the bank while ensuring
lowest levels of delinquency in the credit portfolio of the bank
• Proficient in interacting with customers and coordinating with the
sales team to offer the best possible solution to the customers
adhering to the policy guidelines of the bank
• Expert in pre & post sanction credit risk compliance, post
disbursement documents, monitoring all litigations/complaints, recruitment,
performance of credit team and portfolio quality
Career Timeline
CA VISHAL JAIN
Senior Management Professional, (Zonal Risk Manager – Business Loans Underwriting)
Qualified Chartered Accountant & M.Com. Graduate with excellence in steering
the entire functions of credit & finance operations, lending (loans) & banking with focus on
accomplishing organisational goals and objectives
9888977888 & 9643921011 vishaljain2012in@gmail.com
Credit Operations & Administration
Appraisals/Sanction/Disbursements
Zonal & Cluster Credit Management
Credit Risk & Portfolio Management
Strategic Planning & Leadership
New System Development
Stress Account/Delinquency Analysis

2. Soft Skills
Work Experience
Bharti Tele-Ventures
Limited, (Airtel) as Asst.
Manager
Vardhman Group of
Companies as
Executive Accounts
ICICI Bank Limited as
Zonal Risk Manager,
Branch Head, Area Credit
Manager
Idea Mobile
Communication Limited
as Asst. Manager
Vinod K Chhabra &
Associates, Chartered
Accountants as Article &
Manager (Audit &
Taxation)
Change Agent
Collaborator
Communicator
Motivator
Planner
Since 2006
2005-2006
2005-2005
2004-2005
1998-2004

3. Achievements
Education
• CA from ICAI, New Delhi in
2002
• M.Com. from MDS University,
Ajmer in 2001
• B.Com. from Punjab University
in 1998
ICICI Bank Limited
Jun’06 to till date
Growth Path:
Jun’06 to Aug’09 Area Credit Manager, Ludhiana
Aug’09 to Aug’10 Branch Head, Patti
Since Aug’10 Zonal Risk Manager – Business Loans Underwriting, New Delhi
Team Size: 10 Risk Manager (Chartered Accountants
Key Result Areas:
• Assessing the working capital facilities ( fund based & non fund based limits)
such as Cash Credit, Overdraft, WCDL, LCBD, Bill Discounting, Letter of credit,
Bank Guarantee, Buyer’s Credit, EPC, PCFC, PSFC, FBP, FBD, STLOC &
CBF and Term Loans
• Extending support in imparting and organizing business lending trainings
(capability development) for staff of ICICI Bank including branches & credit
team
• Recommending appropriate pricing on the basis of risk return framework;
stipulating / negotiating various terms and conditions for the loan facilities to be
sanctioned and negotiating primary and collateral securities for the sanctioned
loan in the form of hypothecation, lien, mortgage and assignment and arriving at
decision for quantum and period of finance
• Identifying NPA account and taking appropriate steps to upgrade the account
• Working towards continuous improvement of business process in co-ordination
with all concerned departments
• Participating in amendment of various policies and programs
• Working on a project for automation of business loan underwriting process.
• Attending customer meetings to understand the risks and opportunities in a
transaction
• Directing the Home loans and LAP underwriting as additional charge for
Haryana
• Acting as a key member in the zone for establishment of the Kisan Credit card
and Credit to group of farmers for crop loan
• Spearheading the acquisitions of retail customers for various liability products
like savings bank accounts, current accounts & lockers
• Monitoring the mobilization of long term deposits and sale of revenue
generating financial products
• Assigning responsibility of acquiring and maintaining HNI relation in the allotted
area & interacting with HNIs for their investments and banking needs
• Meeting the targets from various third party products like life insurance and
investment by setting priority and meeting deadlines.
• Undertaking the end-to-end operational excellence of the assigned processes
and the escalated complaint
Conceptualized and
implemented
financial reporting
process
Trained Credit &
Sales team, FOS,
Credit Processing
Agencies (CPAs) &
Channel Partners
Expert in credit risk
underwriting, retail
assets lending, financial
& portfolio
Developed various
systems and
processes

4. Trainings Attended
• Behavioural, communication
and managerial effectiveness,
leadership and time
management trainings by NIRC
& ICICI Bank
• Branch Leadership program
conducted by ICICI Bank,
Jaipur
• Training program on Basics of
Credit Appraisals, Advanced
Corporate Credit Risk Analysis
and Identification of Early
Warning Signals and Managing
Stressed Accounts in current
times by Crisil
Personal Details
Date of Birth: 7
th
February 1978
Languages Known: English &
Hindi
• Monitoring the Quality & effectiveness in customer service
• Administering entire gamut of tasks in credit appraisal process of Auto Loan for
new & used car in Punjab & Jammu
• Appraising proposals, conducting risk analysis & scrutinizing relevant
documents before sanctioning & disbursing loans while ensuring compliance
with credit policies of the organization
• Leading the mortgage initiation & creation; controlling PAN Punjab MIS.
• Identifying the means and processes to reduce the operating cost per file and
managing the PDD compliance
• Identifying new CPAs/hiring of staff, in-housing of existing CPAs & development
of the same on need basis to capture market.
• Reviewing & developing systems control and MIS
Significant Accomplishments:
• Gained expertise in
• Credit & Portfolio Analysis, credit administration involving credit appraisals,
sanction & disbursement of Loans, managing stress accounts and
delinquency analysis. Providing decision for sanction and disbursement in
order that commitment to customer on turnaround time is met
• Lending to micro, medium & small scale Industries working in sectors like
agriculture based industries, auto components, automobiles, business
process outsourcing, capital goods, chemicals, drugs & pharmaceuticals,
education, energy, engineering, exports & imports, fast moving consumer
goods (FMCG), food processing, gems and jewellery, healthcare, housing,
information & communication technology, infrastructure, leather and leather
products, logistics, manufacturing, petrochemicals, petroleum, power, office
automation & imaging, retail, safety and security, sports, transport,
technology, telecom & broadband, tourism & hospitality
• Keeping updated knowledge on rural market & agro based industries for
deciding the various factors during commodity based funding. Keeping
updated knowledge on various industries and taking view on growth/
reduction in exposure to specific industries
• Coordinated with internal and statutory audits; evaluated internal control
systems / procedures with a view to highlight the shortcomings and
implemented necessary recommendations
• Designed & implemented systems, policies & procedures to facilitate internal
financial control towards the accomplishment of organisational goals
• Ensured the adherence of various RBI guidelines by monitoring lending
including priority sector lending
• Provided the recommendations & rejection advisory of credit applications for
corporate by adhering to bank’s internal credit policy and lending guidelines,
procedures and controls
• Studied and analyzed the profit & loss account, balance sheet and cash flow;

5. Previous Experience
financial projection including financial planning and profitability statement of the
corporate for arriving at various ratios and interpretation of the same for
decision making purpose
• Improved the quality of credit evaluation and injected objectivity and
consistency into the financial analysis by ensuring accurate and consistent
interpretation of financial statement
• Trained members on policies & programme and led the underwriting and
sourcing team across the region
Bharti Tele-Ventures Limited (Airtel), Chandigarh
Dec’05-Jun’06
Assistant Manager
Significant Accomplishments:
• Played a key role in conceptualizing, implementing and supervising general
ledger and financial reporting processes and on time compliance of accounting
standards
• Established documented systems, policies, desk manuals and procedures in
finance and accounts, establishment & implementation of accounting controls
Idea Mobile Communication Limited, Sonipat, Haryana
Jan’05-’Dec’05
Assistant Manager
Significant Accomplishments:
• Managed a team of 5 persons
• Acted as Key Team Member in implementation of Oracle in Haryana circle
• Evaluated internal control systems / procedures of preparing audit reports with
a view to highlight shortcomings and implement necessary recommendations
• Planned the total tax outlay of the company and issuing various circulars of
accounting treatments consequent to changes in tax statutes
Vardhman Group of Companies, Ludhiana
May’04-Jan’05
Executive Accounts
Significant Accomplishments:
• Managed the entire functions as In-charge (Accounting) of Mahavir Spinning
Mills Limited, Sewing Thread-Unit-2, Ludhiana (Vardhman Group of
Companies), Manufacturing Sewing Thread & Acrylic Yarn including the

6. accounting, excise & taxation, banking operations, costing & MIS in ERP
Environment (BPCS) with a team of 3 persons
Vinod K Chhabra & Associates, Chartered Accountants, Ludhiana
May’98-May’04
Significant Accomplishments:
• Played a key role in statutory & tax audits of various concerns including banks,
insurance companies, manufacturing concerns & traders including organisation
having SAP R/3 system

7. accounting, excise & taxation, banking operations, costing & MIS in ERP
Environment (BPCS) with a team of 3 persons
Vinod K Chhabra & Associates, Chartered Accountants, Ludhiana
May’98-May’04
Significant Accomplishments:
• Played a key role in statutory & tax audits of various concerns including banks,
insurance companies, manufacturing concerns & traders including organisation
having SAP R/3 system