Junaid Baig

Banking and finance professional experienced in lending decision reviews, complex complaint investigations and fair outcomes within regulated financial services. Currently supporting Lloyds Banking Group across Lending Decision Reviews and Monitoring & Intervention, assessing customer circumstances, lending rationale and compliance with internal policies and FCA requirements. Brings nearly two years' bookkeeping and accounting experience, with strengths in financial analysis, reconciliation, reporting and compliance.

Recognised for sound judgement, attention to detail, stakeholder collaboration and client-focused service, with a strong interest in Private Banking and Specialist Lending.

Lending Decision Reviews & Monitoring and Intervention Complaint Handler - Lloyds Banking Group (via Teleperformance)

(2026-05)

• Review lending decisions against internal policy, regulatory requirements and customer circumstances.
• Investigate complex lending complaints by analysing accounts, decisions and supporting evidence to determine fair outcomes.
• Produce clear investigation reports and customer communications supported by evidence and rationale.
• Collaborate with stakeholders, maintain audit-ready records and manage a high-volume caseload to quality standards.

Complaints Handler - Teleperformance (Monzo Bank)

(2025-10 - 2026-05)

• Investigated customer complaints in line with FCA regulations, company procedures and fair outcome principles.
• Analysed customer accounts, gathered information through outbound calls and established complaint outcomes.
• Worked with internal teams, escalated redress cases and maintained accurate customer records and reports.

Bookkeeper & Accounts Assistant - SMW Bookkeeping Services Ltd

(2024-03 - 2025-06)

• Managed bookkeeping for multiple clients using Sage 50, QuickBooks and Xero.
• Maintained sales/purchase ledgers, accounts payable/receivable and reconciliations, resolving discrepancies.
• Prepared trial balances, financial statements and VAT return in line with HMRC requirements.

Trainee Bookkeeping & Accounts Assistant - KBM Chartered Certified Accountants & Registered Auditors

(2023-09 - 2024-03)

• Created client accounts, processed ledgers and managed accounts payable/receivable using Sage 50, QuickBooks and Xero.
• Completed bank reconciliations, trial balances, financial statements, VAT returns and payroll records.

Member Services - Costco Wholesale

(2015-08 - 2016-08)

• Delivered customer service, managed enquiries, verified receipts and supported stock accountability, safety and compliance.

Head Doorman - Professional Security Agency

(2011-05 - 2015-05)

• Supervised security teams maintained operational records and ensured safety compliance across multiple venues.

IFA Level 3 Diploma in Digital Accounting - Digital Accounting - KBM Training & Recruitment

AAT Level 2 Certificate in Accounting - Accounting - Ealing, Hammersmith & West London College

MSc Digital Marketing (Modules Passed) - Digital Marketing - University of West London

Graduate Degree in Marketing - Marketing - Ulster University

HND & HNC Business Management - Business Management - Williams College

GCSEs - Maths and English