Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
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Ashwin A

Ashwin A

Bangalore

Summary

Experienced credit professional with a background in commercial banks. Familiarity with credit risk regulatory requirements with general understanding of financial models. Dedicated to fostering inclusive culture and valuing diverse perspectives Excellent credit officer with strong communication skills, work ethic and attention to detail. Highly capable of carrying out tasks regarding credit approval and other relevant duties. Confidently meets customer needs. Astute Credit Risk Analyst with high-level financial acumen and data analysis skills. Maintains strict adherence to data security and confidentiality requirements. Consistent record of top-quality performance. Regulatory-compliant professional balances evidence to make informed decisions.

Overview

9
9
years of professional experience

Work History

Credit Assessment Officer

ANZ Bank
06.2022 - 03.2024
  • Collecting the needed financial documentation and assessing the clients' creditworthiness.
  • Calculating and analyzing the risk ratios of clients based on their credit score and financial history.
  • Processing credit applications from end-to-end, and then approving or declining the credit or loan.
  • Setting up payment plans.
  • Maintaining updated records of loan applications.
  • Assess clients’ financial status
  • Evaluate creditworthiness and risks
  • Contact clients to gather financial data and documentation
  • Analyze risks and approve or reject loan requests
  • Calculate financial ratios (e.g. credit scores and interest rates)
  • Maintain updated records of loan applications
  • Served as a subject matter expert for colleagues, providing training and support on AML/KYC-related issues, fostering an environment of knowledge sharing and collaboration.
  • Identified potential suspicious activity by performing transaction monitoring and escalating cases for further investigation.
  • Maintained updated knowledge of relevant regulations and industry best practices to continuously improve AML/KYC processes.
  • Contributed to the continuous improvement of AML/KYC systems by providing feedback on system enhancements and upgrades.
  • Reduced false positive alerts by refining transaction monitoring rules based on historical data patterns.
  • Analyzed and investigated clients to conduct detailed customer due diligence and enhanced due diligence review.

Senior Finance and Business Administration

IBM LIMITED
12.2019 - 10.2021
  • Order to cash is a business process that involves creating and fulfilling customer orders, delivering products or services, and collecting payments
  • Apply the cash receipts review approve the receipt post the receipts.
  • Accounts receivable is created when a company lets a buyer purchase their goods or services on credit.
  • Accounts payable is similar to accounts receivable, but instead of money to be received, it is money owed.
  • Efficient management of accounts receivable is crucial for maintaining healthy cash flow.
  • Companies need to strike a balance between extending credit to customers and ensuring timely collections.
  • Streamline the buying process for your customers
  • The process typically begins with the creation of a sales order in the SAP S/4HANA system.
  • This involves entering the relevant customer and product information, such as the customer’s name, delivery address, requested quantities, and pricing conditions.
  • SAP S/4HANA updates the accounts receivable subledger with the invoiced amount.
  • The system manages customer payment terms and tracks outstanding payments. When the customer submits payment, the accounts receivable subledger is updated accordingly.
  • SAP S/4HANA provides comprehensive financial reporting capabilities, allowing you to generate reports and analyze sales, revenue, accounts receivable, and other relevant financial data. These reports offer insights into the performance of the O2C process and support decision-making

MRA/ MRD / MRG

ITC LIMITED
10.2014 - 01.2019
  • Kept office operations running smoothly and efficiently by implementing procedure and policy improvements.
  • Monitored past due accounts and pursued collections on outstanding invoices.
  • Maintained stringent records of external correspondence.
  • Received, routed and distributed incoming mail and parcels.
  • Supported office operations by taking on ad-hoc clerical duties.
  • Answered telephone calls to offer information, direct callers and take messages.
  • Handled cash and deposits using proper accounting procedures and documentation.
  • Updated confidential employee banking information with accuracy and speed.
  • Processed journal entries, online transfers and payments.
  • Processed transaction documents, verified entries and compared system reports to balances.
  • Resolved discrepancies and documentation issues, saving company money.
  • Supervised payroll, electronic deposits and employee pay adjustments.
  • Addressed customer questions, problems and complaints in person and via phone to maintain positive relationships and support smooth communications.
  • Charged expenses to appropriate accounts, evaluating transactions and recording entries.
  • Reported on financial situation to guide decision-making and budget formulation.

Education

Bachelor of Commerce - Finance

Bangalore University
Bangalore

Master Of Business Administration - Human Resources Management

Jain Unviversity
Bangalore

Skills

  • KYC
  • AML
  • Accounts Payable
  • Sanctions Screening
  • Risk Management
  • Invoicing Processing
  • Accounts Receivable
  • Due diligence
  • Transaction monitoring
  • Compliance Monitoring

Accomplishments

  • Streamlined workflow by consolidating lengthy processes and redundant documentation that resulted in more effective and timely completion of applications.
  • Recognized by management for Approval projects delivering outstanding results.
  • Built and nurtured key client relationships to grow profit by 200%.
  • Coordinated 10 special public and private events.
  • Created and developed critical credit policies to consistently exceed quality and production targets.
  • Recognised by management for many projects delivering outstanding results.
  • Advanced from CV to CAD A quickly as result of career achievements.
  • Investigated, identified and reconciled account discrepancies totaling $100,000 in company savings.

Timeline

Credit Assessment Officer

ANZ Bank
06.2022 - 03.2024

Senior Finance and Business Administration

IBM LIMITED
12.2019 - 10.2021

MRA/ MRD / MRG

ITC LIMITED
10.2014 - 01.2019

Bachelor of Commerce - Finance

Bangalore University

Master Of Business Administration - Human Resources Management

Jain Unviversity

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Ashwin A