Kunal Bhansali

"If you understand finance, most life problems are halved in terms of difficulty."

I am a Chartered Accountant currently working as a Territory Credit Manager at ICICI Home Finance, where I specialize in assessing creditworthiness, optimizing loan portfolios, and ensuring compliance with lending and underwriting standards. I thrive in roles that combine financial acumen with stakeholder management, helping organizations strike the perfect balance between growth and risk control.

Over the course of my journey, I have reviewed credit applications of 150+ businesses and individuals, collaborated with cross-functional teams to drive efficiency, and successfully managed high-value loan cases with exposure exceeding ₹100 lakhs. Within my first seven months in the current role, I contributed to increasing portfolio business from ₹7 crores to ₹10 crores, while achieving 100% resolution in two MOB pools—a milestone reflecting strong risk management and portfolio monitoring.

Before moving into credit management, I developed a solid foundation in audit and compliance during my Article Assistant experience, where I worked extensively on GST compliance, financial statement reviews, internal controls, and tax filings for clients across industries. This experience strengthened my analytical mindset and ability to communicate audit insights clearly to stakeholders.

🔹 Core Competencies:

Credit Risk Analysis | Financial & Cash Flow Analysis | Compliance | Stakeholder Management | Problem Solving