Shalini

Senior Credit Analyst with 13+ years of progressive experience across global banking, financial services, and shared-services operations, spanning credit risk assessment, underwriting, financial statement analysis, and Order-to-Cash (O2C). Skilled in evaluating creditworthiness, managing high-value and complex credit portfolios, and issuing well-justified approval recommendations in full compliance with KYC, AML, SOX, and internal regulatory standards. Strong track record of reducing turnaround time, resolving complex escalations, and improving cash flow through accurate cash application and Accounts Receivable management.

Proficient in SAP and ERP platforms, with a consistent record of cross-functional collaboration and process improvement in fast-paced, compliance-driven environments.

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

• Managed end-to-end cash application processes across customer receipts, lockbox payments, wire transfers, ACH transactions, and cheque payments with a high degree of accuracy.
• Executed daily cash application by matching incoming payments to open invoices in ERP systems, ensuring timely clearance of Accounts Receivable and reduced DSO.
• Resolved service requests involving payment discrepancies, short payments, overpayments, deductions, and unapplied cash within strict SLA timelines as an MDSP Specialist.
• Partnered with Direct Sales Persons (DSP) and CSP teams through regular coordination meetings to resolve customer payment issues and improve overall cash flow.

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

• Conducted end-to-end credit analysis and underwriting for retail and corporate lending applications over an 11-year tenure.
• 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 line with responsible lending guidelines and internal credit policies.
• Authored detailed credit approval recommendations backed by strong financial justification for high-value and complex credit cases.
• Maintained strict adherence to KYC, AML, and regulatory requirements, mitigating financial and operational risk across the portfolio.
• Managed customer complaints, complex escalations, and rework cases, consistently delivering quality outcomes within defined turnaround times (TAT).
• Collaborated with cross-functional teams to streamline credit assessment workflows and improve decision turnaround time.

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 (CDD) checks in full compliance with regulatory standards.
• Handled disputed transactions, fraud-related cases, and customer escalations with a high level of accuracy and compliance.
• Ensured adherence to internal banking policies and regulatory requirements across all banking operations.

Bachelor of Commerce in Commerce – RBANMS First Grade College