India
Worked with Australian Banking process which is ranked as best reliable bankers bank placed in top 2nd largest bank in Australia. Managed end-to-end mortgage operations, ensuring efficient and accurate processing of applications from submission to settlement while maintaining strict compliance with service level agreements (SLAs). Executed complex Income Calculations (IV) and Liability Calculations (LV) to determine borrower serviceability and debt-to-income (DTI) ratios in strict adherence to lending policies. Calculated precise Payout Figures and coordinated all Disbursement Calculations to facilitate seamless and timely loan settlements. Processed Credit Card Applications, evaluating financial data, credit reports, and internal risk metrics for efficient approval cycles. Conducted rigorous Document Verification processes, scrutinizing critical loan documentation (appraisals, credit reports, income statements) for accuracy and completeness. Spearheaded efforts in Detecting Fraudulent Documents, utilizing advanced verification techniques to mitigate operational risk and ensure the integrity of the lending portfolio. Performed detailed verification for a diverse customer base, including Migrant Applicants and existing Banker Customers, ensuring all unique regulatory requirements were met. Executed thorough Vehicle Verification for asset-backed loans, validating collateral value to secure the bank's interests. Maintained mastery of core banking platforms, including Vision Plus (credit card management), Legasuite (legacy systems), Cosp, and Pronto to drive workflow efficiency. Utilized performance monitoring and quality assurance tools like Verint to ensure adherence to operational quality standards and optimize team productivity. Ensured high data integrity and minimized operational risk within various tracking applications, consistently meeting strict auditing requirements.
Skilled in operations management and effective communication, I successfully implemented targeted collection actions, optimizing cash flow and improving receivables management. Proven ability to lead cross-functional teams and mentor peers for continuous improvement. Conducted regular analyses of aged receivables to identify areas requiring targeted collection efforts or adjustments in credit policies for optimal results. Implemented collection actions to prevent accounts from reaching critical default stages. Prioritized collection efforts to optimize cash flow. Utilized core banking tools daily for 18 months to monitor and analyze account receivables, increasing collection resolution rate by 22% and reducing overdue balances by streamlining workflows. Leveraged banking platforms, over an 18-month period to analyze and process 1,200+ monthly account receivables clients, leading to improvement in collection resolution rate and consistent reduction in overdue balances. Streamlined end-to-end collections processes by deploying targeted follow-up schedules, leveraging to consistently expedite receivables turnover and bolster cash flow stability.