Ashwini C Raghavaiah
Senior Credit Assessor
Bangalore,KA
Summary
Results-driven banking operations professional with over 15 years of experience in Asset Finance Management, Customer Service, Workflow Management, KYC, and Quality Assurance. Proven expertise in Auto Loan Customer Service and Credit Assessment for Auto and Home Loans, with a strong track record of building and maintaining healthy client relationships while delivering exceptional service. Highly skilled in reviewing financial documents, preparing loan packages, and providing risk-based recommendations as a diligent Credit Officer. Detail-oriented Assessment Officer recognized for implementing streamlined processes that enhance efficiency and accuracy while managing multiple tasks.
Overview
16
16
years of professional experience
3
3
Languages
Work History
Senior Credit Assessment Officer
ANZ Banking Group
11.2021 - 09.2025
- Led comprehensive credit assessments, driving risk mitigation strategies that enhanced portfolio performance and compliance.
- Developed and implemented streamlined credit evaluation processes, resulting in increased efficiency and reduced turnaround times.
- Mentored junior credit officers, fostering skill development and enhancing team performance in credit risk analysis.
- Utilized advanced credit scoring models to assess borrower risk, improving decision accuracy and creditworthiness assessments.
- Collaborated with cross-functional teams to align credit policies with regulatory requirements, ensuring compliance across operations.
- Spearheaded training initiatives on credit assessment techniques, elevating team knowledge and enhancing overall assessment quality.
- Analyzed financial statements and credit reports, facilitating informed lending decisions that minimized organizational exposure to risk.
Credit Assessment Officer
ANZ Banking Group
03.2018 - 10.2021
- Working for Credit Assessment Team - with associate CAD in order to made decisions on excess and un cleared funds of an individual
- Evaluate credit worthiness and risk of customer
- Complete credit checks/references on customer evaluate customer records and Recommend payment plans based on earnings, savings data, payment history, and purchase activity
- Contact customer or front line manger to gather financial data and documentation
- Working on applications visuals and Carbe to check the authentications of transactions such as cheques
- By the side been training the settlement team during the crunch of Pandemic.
- Conducted comprehensive credit assessments to ensure accurate risk evaluation, enhancing decision-making for loan approvals and minimizing defaults.
- Collaborated with cross-functional teams to streamline the credit assessment process, resulting in reduced turnaround time for loan applications.
- Analyzed financial statements and credit reports to determine borrower eligibility, significantly improving the accuracy of risk assessments.
- Developed and implemented process improvements for credit evaluations, leading to increased efficiency and consistency in lending decisions.
Credit Assessment Officer
ANZ Banking Group
01.2017 - 02.2018
- Working for Credit Assessment Team - Auto loan (Individual and Company) Credit Approval Discretion (CAD) Tier A- AUD $ 150K
- Developed comprehensive training materials for staff members on proper assessment procedures and best practices.
- Mentored junior analysts in credit assessment methodologies, fostering a culture of knowledge sharing and professional development within the team.
- Utilized risk management software to assess client creditworthiness, enhancing compliance with regulatory standards and internal policies.
- Engaged in regular training sessions on credit analysis tools, ensuring the team remained updated on best practices and industry trends.
- Prepared detailed reports on credit trends and borrower behavior, providing management with insights for strategic decision-making and risk mitigation.
Senior Analyst - Customer Service Officer
ANZ Banking Group
06.2013 - 01.2016
- Analyzed customer service metrics to identify trends, leading to improved response times and enhanced customer satisfaction.
- Mentored junior analysts in data analysis techniques and reporting, fostering a culture of continuous improvement and knowledge sharing.
- Collaborated with cross-functional teams to identify areas of improvement, leading to increased operational effectiveness.
- Evaluated customer needs and feedback to drive product and service improvements.
- Developed and implemented training programs for new staff, resulting in increased efficiency and reduced onboarding time.
- Collaborated with cross-functional teams to streamline the customer feedback process, enhancing product development and service quality.
- Led initiatives to optimize service workflows, which improved operational efficiency and reduced service delivery time.
Analyst
Anz Banking Group
02.2010 - 05.2013
- Performed system analysis, documentation, testing, implementation, and user support for platform transitions.
- Validated results and performed quality assurance to assess accuracy of data.
- Queried databases for information needed for report processing.
- Identified and resolved problems through root cause analysis and research.
- To identify fraud indicators in account transactions
- To liaise with the Melbourne Team for the processing of the settlement of the deals
- Analyzing the risk involved in considering the new business proposals from individuals as well as corporate
- End to end process of Maintenance of customer accounts during the loan term
Education
MBA - Finance And Marketing
T. John College
Bengaluru07.2009
BBM - Accounting And Finance
St Philomena College
Puttur06.2007
Skills
Highly detail Oriented and organized and can identify and resolve issues quickly and accurately
KEY ACCOUNTABILITIES
- Provide continuing liaison with customers through to final resolution
- Managing Team in absence of Manager
- Answer all emails and calls and Contact customer to keep them informed in accordance with current processes
- Preparing Daily Reports on TAT
- Handling calls with Melbourne stakeholder in order to clarify doubts regarding files
- Have been on floor support in Absence of SME and QC Officer
- Have been doing AML reports in absence of QC officer
- Handling escalation mails and allocating the escalated files within the time frame
- Work Allocation and Prioritizing and distributing initial work received to various team members
- To act as back up for senior officer for assigning work to other officers.
Timeline
Senior Credit Assessment Officer
ANZ Banking Group
11.2021 - 09.2025
Credit Assessment Officer
ANZ Banking Group
03.2018 - 10.2021
Credit Assessment Officer
ANZ Banking Group
01.2017 - 02.2018
Senior Analyst - Customer Service Officer
ANZ Banking Group
06.2013 - 01.2016
Analyst
Anz Banking Group
02.2010 - 05.2013
BBM - Accounting And Finance
St Philomena College
MBA - Finance And Marketing
T. John College