Shalini Rajendran

Results-driven Senior Credit Analyst with 13+ years of progressive experience in credit risk assessment, underwriting, financial statement analysis, and lending operations within global banking and financial services organizations. Demonstrated expertise in evaluating customer creditworthiness, managing complex credit portfolios, and delivering accurate credit approval recommendations in compliance with KYC, AML, and regulatory standards. Proven track record of driving process improvements, mitigating financial risk, and managing stakeholder relationships across retail and corporate lending environments.

Adept at utilizing ERP and SAP systems to optimize Accounts Receivable and Order-to-Cash operations.

Cash Application & MDSP Specialist at HCL Technologies (Client: Italiana Petroli) (2025-05 – 2026-03)

• Manage end-to-end Cash Application processes including posting of customer receipts, lockbox payments, wire transfers, ACH, and cheque payments with high accuracy.
• Perform daily cash application activities by matching incoming payments against open invoices using ERP systems, ensuring timely clearance of receivables.
• Handle service requests related to payment discrepancies, short payments, overpayments, deductions, and unapplied cash as MDSP Specialist within strict SLA guidelines.
• Conduct regular coordination meetings with Direct Sales Persons (DSP) and CSP teams to resolve customer payment issues and improve cash flow.

Senior Credit Assessment Officer at ANZ Bank (2013-04 – 2024-04)

Collaborated with cross-functional teams to streamline credit assessment workflows and improve decision turnaround time.

• Conducted comprehensive credit analysis and underwriting for retail and corporate lending applications over 11 years.
• Assessed customer creditworthiness through financial statement analysis, income verification, employment history review, and credit bureau checks.
• Evaluated risk levels, repayment capacity, and exposure limits in accordance with responsible lending guidelines and internal credit policies.
• Prepared detailed credit approval recommendations with strong financial justifications for high-value and complex credit cases.
• Ensured strict adherence to KYC, AML, and regulatory requirements to mitigate financial and operational risks.
• Managed customer complaints, complex escalations, and rework cases, consistently delivering quality outcomes within defined TATs.

Senior Executive Officer - Banking Operations at HSBC Global Banking (2010-04 – 2013-02)

• Supported personal and corporate banking operations including account opening, servicing, and maintenance.
• Performed KYC, AML, and customer due diligence checks in compliance with regulatory standards.
• Handled disputed transactions, fraud-related cases, and customer escalations with 100% accuracy and compliance.
• Ensured adherence to company policies and regulatory requirements across all banking operations.

Bachelor of Commerce in B.Com – RBANMS First Grade College