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CA Silky Ratra is a Chief Manager at ICICI Bank, where they lead a team of regional and area credit managers to ensure quality in credit appraisal, risk assessment, and compliance for retail and commercial loans across 10 states. With over 8 years of experience in credit analysis and finance at ICICI Bank, CA Ratra has a strong commitment to ethics and professionalism, consistently delivering high performance and customer satisfaction. They hold a CA degree from the Institute of Chartered Accountants of India and are passionate about supporting the growth of small and medium enterprises in India.