Summary
Overview
Work history
Education
Skills
Languages
Timeline
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Arpita Niyogy

Arpita Niyogy

Delhi,India

Summary

Skilled in financial analysis, interpreting account history and

decision making on the account taking in reference to current and past records. I am detail oriented with analytical analysis to support sound lending and account assistance decisions to drive personal and team numbers.

Overview

10
10
years of professional experience
2
2
years of post-secondary education

Work history

Credit Analyst, Market- ANZ

American Express
Gurgaon, Haryana
06.2025 - Current
  • Have maintained quality of work with compliance and number.
  • Tracked and analyzed individual account and scenario to assist with best Hardship plan and solution to card members to ensure it benefits them during their hard time while maintains card on long run.
  • Helping team drive their result by sharing weekly directional report and giving clarity how to drive individual performance while maintain core job.
  • Tracked economic trends that might affect customers' ability to pay; provided foresight into potential risks.
  • Driving PKT within Care and Chat team to ensure we are on same page in process knowledge and process update
  • Conducted 'Best call of the month' within team to ensure quality of call , right probing questions & correct call disposition is maintained and compliance is avoided within the team on every call,
  • Have been in ICC Greatness Award- February'25 for Delivering excellence in core metrics.
  • Received Recognition for- Consistently being a Top Performer and appearing in the ICC Greatness Awards more than 3 times in 2024.


Credit Specialist, Market- ANZ

American Express
Gurgaon, Haryana
04.2018 - 05.2022
  • Dunning by maintaining quality with right practice on every call.
  • Having right conversation with card holder with right probing question to check the reason of oversight and non payment.
  • Maintaining kept rate with pro active information of right way to make payment on same call as well as ensuring card holder do not fall behind in future.
  • Providing right information about impact continuous overdue and assist them with plans which can ensure card holder can maintain cards for future.
  • Analysing Card holder's income, assets, debts to determine financial standing to check if card holder in position to make payment in order to continue with the benefits of card while maintain good history within American Express.
  • Keeping record of Team IB call and tracker to ensure everyone in team gets fair change and time to maintain fairness in IB & OB calls and score.


Account Manager-Process Expert

Encore Capital Group
Gurgaon, Haryana
03.2017 - 03.2018

Google Online Strategist

Intelenet Global Services Private Services
Gurgaon, Haryana
07.2015 - 08.2016

Education

M.B.A.- PGPM - Marketing- Finance

ICFAI Business School- Pune
India
06.2013 - 02.2015

Bachelor of Arts - English

University Of Kalyani
India
/2009 - /2012

Skills

  • Strategic thinking
  • Self-motivation
  • Persuasive communication
  • Ethical decision making
  • Process optimisation
  • Emotional intelligence
  • Relationship-building
  • Dispute Resolution
  • Proactive initiative
  • Risk Assessment
  • Positive attitude
  • Commercial Awareness
  • Decision making
  • Active listening
  • Customer service orientation

Languages

English
Proficient (C2)
Hindi
Advanced
Bengali
Upper intermediate

Timeline

Credit Analyst, Market- ANZ

American Express
06.2025 - Current

Credit Specialist, Market- ANZ

American Express
04.2018 - 05.2022

Account Manager-Process Expert

Encore Capital Group
03.2017 - 03.2018

Google Online Strategist

Intelenet Global Services Private Services
07.2015 - 08.2016

M.B.A.- PGPM - Marketing- Finance

ICFAI Business School- Pune
06.2013 - 02.2015

Bachelor of Arts - English

University Of Kalyani
/2009 - /2012

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Arpita Niyogy