Ayush Sinha

I'm a PGDM-qualified finance professional focused on credit underwriting, financial statement analysis, and borrower risk assessment. I'm NISM-certified in Mutual Fund Distribution and Portfolio Management, and I apply structured financial analysis to evaluate creditworthiness and support sound lending decisions.

In my current role as Credit Manager – MSME (Deputy Manager II) at ICICI Bank, I manage end-to-end business loan processing — assessing borrower financials including P&L, balance sheets, bank statements, and ITRs to determine repayment capacity. I conduct personal discussions with MSME clients, evaluate collateral quality, and ensure full compliance with RBI credit policy and KYC/AML guidelines across all credit files.

Earlier, as a Finance Intern at Vardhan Consulting Engineers, I built a project finance model for a 50-flat residential development — covering collateral valuation, cost estimation, fund-flow planning, and lender-ready documentation with IRR/NPV outputs. I analysed cost structures and identified budget overrun risks, directly supporting credit viability assessment for lender stakeholders.

I also bring strong analytical depth from an independent five-year credit analysis of Astral Ltd. — mapping leverage, liquidity, working capital efficiency, and debt serviceability trends to construct a structured credit risk view. With strong MS Excel skills and cross-functional coordination experience, I'm ready to contribute as a Credit Manager across MSME, retail, or corporate credit functions.