CA NEHA SINGHI

+91 9100137115 canehasinghi@gmail.com in.linkedin.com/in/neha-singhi-543073175

An enterprising professional and visionary leader offering nearly 11 years of multi-faceted experience in spearheading functions related
to Credit Underwriting and Digital Transformation; targeting to express potential via strategic assignments with an organization of
repute | Location Preference: India (Hyderabad) or Overseas

Core Competencies Profile Summary

 Extensive experience in credit administration, credit risk management, and loan
Credit Underwriting processing for various retail products, along with hands-on experience in driving the
successful execution of various digital transformation projects.
Risk Mitigation Strategies
 Currently associated as Regional Credit Manager with Yes Bank Ltd., guiding a team
Compliance Management of ~11 members for credit processing along with driving digital initiatives for retail
lending, contributing to technological feedback and improvements.
Financial Analysis & Management
 Proven expertise in team building, cultivating strong relationships with stakeholders,
Digital Transformation Projects and establishing efficient processes to enhance turnaround time and manage
collateral effectively.
Technology Integration  Proficient in leveraging advanced credit risk management systems and digital
transformation tools to streamline loan processing operations, resulting in improved
Regulatory Compliances efficiency and reduced turnaround times.
Operational Excellence  Skilled in working with technology teams to elicit project requirements and user
experience testing to ensure the optimal functionality of developed solutions.
Cross-Functional Coordination
 Recognized for recent accomplishments such as development of digital application
Team Building & Leadership forms, cost-effective strategies, and streamlined credit processing methods.
 People-oriented leader with a track record of building and leading high-performing,
cross-functional teams for accomplishment of common goals; mentoring and
coaching team members for succession planning and talent management.
Achievements
Career Timeline
Awarded as "Process Champion" in
2023 for conceptualizing and
designing digital application forms 2009 – 2012 2013 – 2016 2016 – Now
for consumer loans.

Recognized as a "CRM Titan" for

initiating a cost-saving initiative
that resulted in savings of Rs 70 Sanjay Mutha
Lakhs per annum in 2022. and Company
Regional Credit
Article Assistant Area Credit Manager Manager
Felicitated with the "Award of
Excellence" in the CRM Champion
Contest in 2021.
Work Experience
Received special recognition in the Yes Bank Ltd., Hyderabad
FY 2018-19 for driving efficient September 2016 – Present as Regional Credit Manager – Andhra Pradesh, Telangana,
credit processing. and Karnataka

Growth Path:
Earned multiple "Eagle Eye"
awards for contributions to Senior Manager Assistant Vice President Vice President
detection of potential frauds.

Nominated for the "Retail Spinsters Key Result Areas:

League" in recognition of  Spearheading the initiation and establishment of the consumer risk and loan process in
outstanding Turnaround Time (TAT) the states of Andhra Pradesh (AP) and Telangana (TG).
and process management.
 Evaluating credit proposals across diverse loan categories, including Auto loans, Used
car Loans, Personal loans, Business loans, and Two-wheeler loans.
 Leading a proficient credit processing team specialized in auto and unsecured loans.
 Playing a pivotal role in providing technology feedback, contributing to the advancement
and enhancement of consumer lending systems.
 Empaneling and establishing third-party vendor shops, streamlining end-to-end loan
processes across the South region.
  Optimizing portfolio performance at the regional level, ensuring delinquency control.
Technical Skills  Providing consistent feedback for continuous improvements and enhancements in
product, policy, and processes to the Central team.
Credit Risk Management Systems
 Driving the review and approval of credit applications, accurately assessing financial
Loan Processing Software strength and risk factors to optimize portfolio performance.
 Championing digital transformation initiatives within the credit function, identifying
Digital Transformation Tools opportunities to automate processes and leverage data analytics.
 Leading the implementation of innovative technologies such as AI, machine learning, and
Collateral Management Platforms data visualization tools to enhance credit risk assessment and decision-making.
 Measuring the impact of digital transformation initiatives on credit risk management
Consumer Lending Technology effectiveness and business performance.

Process Enhancement Software Highlights:

 Worked as part of the core team in implementing the Sales Force module for loans.
Credit Proposal Appraisal Systems  Implemented and integrated FICO with Finnone as per internal policies.
 Designed workflows, processes, and field lists for digital onboarding of customers in
Loan Portfolio Monitoring Tools consumer loans, collaborating closely with the technology and projects team.
 Communicated with multiple banking software solution providers, gathering requirements
to streamline the day-to-day loan processes for consumer loans.
 Facilitated the testing of credit scoring model that led to an increase in the approval rate
Education for consumer loans, enhancing the overall portfolio performance and profitability.
 Spearheaded a cross-functional team to launch a mobile app for loan applications,
2022 increasing customer onboarding and reducing manual processing errors.
Executive Leadership Program  Worked on Business Rule Engineering (FICO) for auto population of deviations for
ISB Hyderabad retail loans.
2012  Established loan procedures and ensuring adherence to KYC and PSL.
Qualified Chartered Accountant
ICAI ICICI Bank, Hyderabad
April 2013 – September 2016 as Area Credit Manager
2011
Bachelor of Commerce Growth Path:
Osmania University
Assistant Manager Area Credit Manager

Personal Details Key Result Areas:

 Spearheaded retail credit underwriting for new/ used car and 2 wheeler loans.
Date of Birth:  Managed credit team responsibilities, including overseeing credit quality and TAT.
2nd December 1990
 Monitored portfolio performance, addressing early-stage delinquency to mitigate risk.
Languages Known:  Drove collateral management for both used and new cars to secure loans.
English, Hindi, Telugu
 Ensured compliance with KYC (Know Your Customer) and PSL (Priority Sector Lending)
Address: regulations for sourced loans, maintaining legal and regulatory standards.
Hyderabad – 500029  Cultivated and maintained relationships with dealers, franchises, corporates, and high-
net-worth individuals (HNIs) to facilitate smooth business operations.
 Conducted trainings for stakeholders on documentation policies and process updates.

Highlights:
 Identified and pre-empted errors in priority sector lending (PSL) tagging in the system,
implementing corrective measures for PAN India car loans.
 Executed the implementation of FICO rules in the APS (Automated Priority Sector) for car
loans, ensuring adherence to credit scoring standards.
 Established and monitored a data entry vendor desk in Hyderabad, streamlining the
processing of PAN India car loan applications.
 Initiated and set up the two-wheeler (TW) loan process in Hyderabad.

Articleship
Sanjay Mutha and Company, Hyderabad
May 2009 – November 2012 as Article Assistant
Key Result Areas:
 Led audit teams, driving comprehensive audits for SMEs, spanning manufacturing,
trading, service sectors, and charitable institutions.
 Worked on the finalization of Audit Reports under CARO 2003 (Companies Act of India)
and Tax Audit Reports (Form 3CD) under section 44 AB of the IT Act of India.
 Executed periodic tax planning initiatives for all clients of the firm.
 Prepared Wealth Tax and Income Tax Returns for High Net Worth Individuals (HNIs)