Iqra Afsheen

Experienced Team Lead / Credit Analyst at Cloud Data LLC, with a strong background in fraud detection, document verification, and risk assessment. Skilled in identifying fraudulent companies, forged documents, bribery cases, and ensuring regulatory compliance through detailed reporting. Recently promoted to Team Lead (Aug 2025), managing a team and overseeing quality checks and credit evaluations.

Also experienced in Customer Service and Call Center Quality Control, including complaint resolution, performance monitoring, and staff training. Known for strong analytical, communication, and problem-solving skills across both risk management and service quality domains. Actively seeking a challenging role to contribute to operational efficiency and business growth.

Credit Analyst Team Lead - Cloud Data

(2025-08)

Promoted internally to Team Lead role in recognition of strong performance, credit expertise, and leadership potential.

• Manage and mentor a team of credit analysts, ensuring high standards of credit evaluation and risk analysis.
• Oversee daily workflows, allocate tasks, and review complex credit applications prior to submission to credit committee.
• Conduct regular performance reviews, provide coaching, and support team development through ongoing training.
• Monitor team KPIs such as turnaround time, quality of analysis, and adherence to credit policy.
• Act as the primary point of contact for escalated credit issues, working with senior management to resolve high-risk cases.
• Support continuous improvement by identifying process gaps and implementing best practices.
• Collaborate with cross-functional teams (Sales, Risk, Legal) to ensure efficient and compliant credit decisions.
• Maintain team morale and productivity through clear communication, goal setting, and accountability.

Credit Analyst / QC Officer - Cloud Data

(2024-11)

• Gathers and analyzes loan applicants' financial data to evaluate risk.
• Assesses creditworthiness of individuals, companies, and institutions.
• Collaborates with other financial experts to approve or deny loans.
• Makes recommendations about whether to increase, adjust, extend, or close lines of credit.
• Undertakes risk analysis using regional, sector-specific, environmental, and other financial data.
• Prepares and presents credit reports.
• Completes quality assurance reviews.
• Gauges market trends.
• Monitors and adheres to collateral compliance covenants.
• Ensures that all loans are made in adherence with federal, state, and local financial regulations.
• Analyzes data to verify information and uncover fraud.
• Helps to update and improve credit rating criteria.
• Authors documents on credit risk and related financial matters.
• Communicates credit decisions and policies to fellow employees and credit applicants.
• Oversees or undertakes document preparation.

Customer Care Executive - PTCL

(2022 - 2023)

• Handle a high volume of incoming and outgoing calls quickly.
• Observe communication "scripts" when discussing various subjects.
• Determine the needs of the client, make information clear, look into every problem, and offer alternatives or answers.
• Take advantage of opportunities to upsell items when they present themselves.
• Develop long-lasting connections with clients by going above and beyond.
• Maintain clear and understandable records of every discussion in call center database.
• Attend training seminars frequently to raise performance standards and understanding in relation to individual and team goals, both qualitative and quantitative.

Administrator - Haya Web Developer

• Dealing with queries on the phone and by email.
• Managing diaries, scheduling meetings, and booking rooms.
• Manage virtual office operations to ensure efficient remote workflows and communication.
• Handle digital correspondence, including emails, messaging apps (e.g., Slack, Teams), and video conferencing.
• Organize and maintain cloud-based files and records using tools like Google Drive, OneDrive, or Dropbox.
• Schedule and coordinate virtual meetings, appointments, and team calendars across time zones.
• Prepare and format digital reports, spreadsheets, and presentations for remote teams and management.

BS HONS - English - University Of the Punjab (2017 - 2021)

F. Sc - Pre-Med - BISE (2016)

Metric - Science - FBISE (2014)