Headline

Manager – Healthcare Ecosystem @ ICICI Bank | Data Storytelling, Valuation | AI/ML, Quant and Web3 enthusiast| MBA Finance

About

Currently serving as Manager – Healthcare ecosystem at ICICI Bank, I focus on credit underwriting, portfolio analytics, and risk management for healthcare clients. Utilizing tools such as Python, Probe42, Finacle, and Bloomberg, I contribute to enhanced credit risk assessment and operational workflows. I collaborate with stakeholders to manage a diversified ₹150 Cr+ portfolio, delivering structured lending and investment solutions to HNI and institutional clients. Pursuing my MBA in Finance at the Goa Institute of Management, I integrate my academic foundation in business and commerce with real-world expertise to drive effective financial strategies. My core competencies include interpreting data, data storytelling, and valuation, which underpin my contributions to healthcare lending and portfolio optimization.

Location

Kerala

AI stack

claude

deepseek

gemini

kimi

n8n

Lindy

Work experience

Manager – Healthcare Lending | Credit | Portfolio Management | Product at ICICI Bank, Jun 2025 - Present · 1 yr 5 mos, Bengaluru, Karnataka, India, • Conducted credit appraisal, risk modeling, and portfolio monitoring of healthcare clients using Python, Probe42, Finacle, and Bloomberg | Accelerated risk assessment accuracy by 25%. • 1st line of defense in identifying, assessing, reporting and mitigating operational + conduct risks in lending workflows, Strengthened controls by validating data protection, authentication controls and encryption standards in credit decisioning system |Increased process accuracy by 15%. • Managed and advised a portfolio of ₹150 Cr+ HNI & institutional clients in the healthcare sector| Structured lending, investment, and treasury solutions that grew AUM by 15% YoY. • Developed Python-based financial dashboards (Pandas, NumPy, Matplotlib) to track PPOP, opportunities, and early warning signals, translating complex problem statements to simple dashboards and models | Automated 100% of manual reporting and reduced reporting time by 40%. • Worked in Agile/Scrum squads with Risk, BIU, compliance and operations teams to design and implement a rule-based offer engine | Streamlined credit decision turnaround by 30% and enhanced approval accuracy. • Structured ₹25 Cr+ financing for a leading hospital chain using DCF modeling, stress testing & risk assessment, improved compliance with financial regulations, data protection standards, authentication & access control frameworks in credit decision systems | Drove 20% segment loan book growth

Co-Founder at Spottedfrog.in, Jan 2020 - Present · 6 yrs 10 mos, Hybrid

Product Strategist at ICICI Bank, Apr 2025 - May 2025 · 2 mos, Conducted health-tech and fintech market analysis and built financial models to evaluate ₹500Cr+ in partnership opportunities. Designed co-branded credit card and embedded finance solutions using financial modeling, identifying ₹75+ Cr in revenue opportunities.

Product strategy Intern at ICICI Bank, May 2024 - Jun 2024 · 2 mos, Bengaluru, Karnataka, India, I developed crucial skills in analytical thinking, data analysis, and strategic planning. This experience allowed me to enhance my ability to conduct in-depth market analysis, collaborate effectively with mentors, and manage complex projects. I gained a solid foundation in financial product development and market research, equipping me with the expertise to thrive in dynamic and innovative environments.

Associate at South Indian Bank, Aug 2021 - Jul 2023 · 2 yrs, On-site, *Financial analysis *Valuation *Credit Appraisal

Subject Expert at Chegg Inc., Jun 2017 - May 2018 · 1 yr, India

Education

Master of Business Administration - MBA, Goa Institute of Management (GIM)

Bachelor's degree, Business/Commerce, General, Mahatma Gandhi University, Kerala