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.
