Archana Singh
@archanasingh119
Credit Manager with 13+ years in retail loan underwriting, risk assessment, and RBI-compliant lending at ICICI Bank.
IndiaWhat I'm looking for
I’m a Credit Manager with 13+ years of experience across ICICI Bank in retail asset credit appraisal, loan underwriting, credit risk assessment, and regulatory compliance. I’m known for maintaining strong risk controls and audit-compliant lending practices while supporting business growth.
Since March 2022, I’ve been working as a Branch Credit Manager at ICICI Bank Ltd, where I conduct credit risk assessments using financial statements, CIBIL scores, repayment capacity, and borrower profiles. I specialize in credit appraisal and sanctioning of mortgage, personal, and auto loans, and I continuously monitor loan portfolios for early warning signals and timely repayments.
I also bring deep operational and process strengths from earlier roles in Retail Asset Operations (ROG) transaction processing and document verification units. My track record includes being promoted to Manager–MMI Grade (April 2025), achieving an all-time Hindsight score of 10 in multiple-product credit sanctioning (HL/PL/AL), keeping rejection percentage at ~1.5%, and delivering 100% accuracy in I-Assist while resolving branch queries without escalations. I bring certifications in retail lending and business management to strengthen my approach with structured analytics and disciplined compliance.
Experience
Work history, roles, and key accomplishments
Branch Credit Manager
ICICI Bank Ltd
Mar 2022 - Present (4 years 3 months)
Conduct credit risk assessment using financial statements, CIBIL scores, repayment capacity, and borrower profiles to support mortgage, personal, and auto loan underwriting. Sanction loans, monitor portfolios for early default signals, and ensure lending practices comply with RBI and internal policies.
Assistant Manager
ICICI Bank
Dec 2017 - Mar 2021 (3 years 3 months)
Managed retail asset operations transaction processing by performing quality checks, identifying process/system gaps, and rectifying processing errors. Coordinated with internal teams to standardize workflows and handled RTGS/NEFT transfers and disbursements for multiple product operations.
Senior Officer
ICICI Bank
May 2011 - Jan 2012 (8 months)
Provided branch customer service through front-desk and cash desk operations, resolving customer queries and supporting account opening and sales coordination. Monitored internal controls and service metrics (TAT/customer wait time), handled escalations/complaints, and drove fee revenue and cross-sell of third-party products.
Education
Degrees, certifications, and relevant coursework
Moody’s Analytics
Certification, Retail Lending
2023 - 2023
Completed Moody’s Analytics certification in Credit Skills for Bankers (Retail Lending).
Narsee Monjee Institute of Management Studies (NMIMS)
Post Graduate Certificate in Business Management, Business Management
2021 - 2021
Grade: 78%
Completed a Post Graduate Certificate in Business Management (PGCBM), securing 78%.
Great Learning Academy
Certification, Graphic Design
2021 - 2021
Completed a certification in Intro to Graphic Design with Photoshop.
Institute of Finance & Banking (IFBI)
Post Graduate Diploma in Banking & Operations, Banking & Operations
Grade: 72% (course work), 83% (internship)
Completed a Post Graduate Diploma in Banking & Operations, securing 72% in course work and 83% in internship.
IELTS
IELTS, English Language Proficiency
2011 - 2011
Grade: Scoreband 7
Achieved an IELTS scoreband of 7 in 2011.
Lucknow University
Bachelor of Commerce (BCom), Commerce
2011 - 2011
Grade: 57%
Completed a Bachelor of Commerce (BCom), securing 57% in 2011.
St. John Bosco School, Lucknow
Intermediate
2008 - 2008
Grade: 87%
Completed Intermediate, securing 87% in 2008.
City Montessori School, Gomtinagar, Lucknow
Matriculation
2006 - 2006
Grade: 60%
Completed Matriculation, securing 60% in 2006.
Availability
Location
IndiaAuthorized to work in
Job categories
Skills
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