Shalini

Credit risk professional with 13+ years underwriting retail and corporate lending at a Tier-1 bank (ANZ), plus 13+ years overall across banking operations, compliance, and receivables. Skilled in end-to-end credit assessment and decisioning — evaluating financial statements, bureau data, and repayment capacity against the 5Cs of credit — while embedding KYC/AML and regulatory requirements into daily control activities. Recognized by ANZ senior leadership for resolving high-value escalations and protecting key customer relationships.

Cash Application & MDSP Specialist at HCL Technologies (2024-10 – 2026-03)

Managed end-to-end cash application workflow — invoice matching, receivables clearance, exception handling — and its downstream impact on Accounts Receivable, applying the same control discipline used in prior credit risk roles.

• Reviewed daily incoming payments against open receivables to identify missing, incomplete, or inconsistent information, tracing transactions and defining resolution paths to improve accuracy.
• Analysed MDSP service requests to clarify underlying payment issues and document required business actions.
• Monitored queue performance to prioritize critical cases, preventing service-level breaches and maintaining operational standards.
• Partnered with sales stakeholders in collaborative workflow reviews and maintained process documentation in line with internal policy requirements.

Credit Assessment Officer at Australian and New Zealand Banking Group (ANZ) (2013-05 – 2024-04)

Assessed an average of ~600 retail and corporate lending applications per month (~30+ per day), applying deep credit-domain expertise across the end-to-end assessment cycle.

• Evaluated financial statements, income and employment evidence, bureau data, repayment capacity, and risk classification against exposure limits to support risk-based lending decisions.
• Interpreted responsible-lending, KYC, AML, and internal credit-policy requirements, embedding them into daily assessment and control activities using ANZ's internal Host and Retail lending systems.
• Investigated exceptions and non-standard cases to determine policy impact, identify root causes, and coordinate corrective action within turnaround-time (TAT) targets.
• Collaborated across credit, operations, quality, and stakeholder teams, contributing to measurable improvements in decision turnaround time.
• Applied the 5Cs of credit framework to structure assessment requirements, policy considerations, and evidence needed to resolve outstanding cases.
• Identified and escalated suspected fraud to banking operations in line with defined escalation processes.
• Recognized by the ANZ Group Executive for resolving a critical escalation and retaining a high-net-worth customer relationship; separately received appreciation from the ANZ CEO.

Customer Service Executive at HSBC Electronic Data Processing Unit (2010-06 – 2013-04)

• Analyzed operational requirements and exceptions across personal and corporate account opening, servicing, and maintenance processes.
• Performed KYC, AML, and policy checks, identifying documentation, data, or control gaps and coordinating remediation.
• Investigated disputed transactions, suspected-fraud cases, and customer escalations by analyzing account records.
• Processed transactions accurately using core banking software systems while maintaining compliance and accuracy standards.
• Resolved customer complaints and inquiries on banking products and services efficiently and professionally.

Bachelor of Commerce in Commerce – RBANMS First Grade College, Bangalore (2003 – 2006)