Ineesha Joseph

Credit Underwriter @ Marshmallow

About

I am a Credit Risk & Underwriting professional with 2+ years of experience in credit analysis, portfolio risk management, fraud mitigation and financial evaluation across retail assets and structured lending. At ICICI Bank, I delivered credit decisions on a USD 400M portfolio with 99% accuracy, strengthened risk controls, and implemented initiatives that reduced fraud by 60% and prevented USD 10M+ in potential losses.My expertise spans:• Financial statement analysis, ratio assessment, cashflow modelling• Retail & SME credit underwriting, structured credit• Fraud detection, operational risk controls, credit policy enhancement• Portfolio monitoring, early-warning indicators & reporting accuracy• Cross-functional collaboration with product, risk, and operations teamsI bring multicultural experience and am multilingual in English, Hindi, Kannada, Malayalam and Tamil. My background spans banking, HR talent processes, digital marketing and social impact, giving me strong adaptability and stakeholder management skills.Currently as a MIM graduate from Warwick Business School, I am expanding my academic grounding in performance management, quantitative decision-making and global business strategy.Key Achievements:• Achieved 99% accuracy in credit underwriting for a USD 400M portfolio• Reduced fraud incidents by 60%, preventing USD 10M losses• Strengthened credit policies in Q3–Q4, improving decision turnaround• Delivered 10/10 error-free reporting every month for two years• Increased HR screening efficiency by 80% as a team leadTop 5 Skills1. Credit Underwriting & Financial Analysis – Financial ratios, income assessment, creditworthiness scoring2. Risk Controls & Fraud Mitigation – Verification workflows, fraud pattern analysis, operational safeguards3. Portfolio Management – Performance monitoring, delinquency analysis, reporting accuracy4. Structured Products Knowledge – Familiarity with ABS, RMBS, CMBS, collateral evaluation5. Stakeholder & Leadership Skills – Team coordination, policy implementation, cross-functional alignment

Country

United Kingdom

City

Greater Coventry Area

Industry

Banking

Skill

Credit Appraisals, Loan Risk Management, Commercial Credit, Corporate Credit, Credit Analysis, Credit Underwriting, Risk Appetite Analysis, Financial Statement Analysis, Fraud Prevention, Policy Analysis, Microsoft PowerPoint, Microsoft Excel, Analytical Skills, Stakeholder Management, Project Management, Problem Solving, Management, Leadership, Communication

Experience

Credit Underwriter

Marshmallow

2026-5 - Present · 5 mos

London

Core Responsibilities: Review credit history, affordability, income evidence, bank statement conduct and customer documentation to evaluate creditworthiness Analyse risk factors including missed payments, defaults, CCJs, overdraft usage, undisclosed borrowing and affordability concerns Support Marshmallow’s mission of making financial services more accessible for people new to the UK Balance customer outcomes, credit risk and commercial judgement when assessing lending applications Work closely with internal teams to support efficient application processing and improve underwriting turnaround times Identify process improvement opportunities to enhance decision quality, operational efficiency and customer experience Ensure underwriting decisions align with responsible lending principles, regulatory expectations and business risk appetite

Branch Credit Manager

ICICI Bank

2022-8 - 2024-8 · 2 yrs 1 mo

Bengaluru

Core Responsibilities: • Analysed financial statements, credit bureau data, and risk flags for loan decisions • Underwrote retail asset and SME applications ensuring adherence to internal credit policy • Performed collateral evaluation, repayment capacity assessment, and creditworthiness scoring • Strengthened fraud detection mechanisms through verification and pattern analysis • Collaborated with product team to refine credit policy and align with risk appetite • Conducted portfolio reviews to identify early-warning indicators