Vishal User

I’m a credit and capital risk professional with 5+ years of experience in credit underwriting, portfolio risk management, and capital allocation, most recently within ICICI Bank. I focus on risk-adjusted returns by combining rigorous credit evaluation with structured decision support for senior committees.

I’ve managed a ₹3.5B SME and mid-corporate loan portfolio, owning portfolio surveillance, early warning signal identification, and asset quality management. I strengthen exposures through timely risk exits and stricter covenants for high-risk situations.

In lending execution, I structure working capital, term loans, and trade finance facilities (including Bank Guarantees and Letters of Credit) while optimizing risk-return trade-offs. I also improve underwriting throughput—enhancing approval TAT by ~20%—by using stress testing, sensitivity analysis, and scenario-based risk metrics in my memoranda.

I bring quantitative depth to credit risk visibility, using Python, Excel, and SQL to build dashboards and run analytical queries that track portfolio growth, delinquency, profitability, and credit losses. I enjoy applying modelling techniques (including machine learning) to identify default drivers and strengthen resilience through data-driven downside risk assessment.