Ayan Mandal
Bangalore
Summary
Adept at credit report evaluation and exceptional in client handling, I have significantly contributed to loan process efficiency, notably reducing completion time by 20% at Better.com. My tenure at Commonwealth Bank of Australia and OPX America underscores my ability to lead credit assessments and foster customer satisfaction, showcasing my analytical prowess and interpersonal skills.
Overview
5
5
years of professional experience
Work History
Analyst
Commonwealth Bank of Australia
05.2023 - Current
- Led thorough credit assessments, applying advanced credit evaluation methods to ensure the right loan products were offered based on customer profiles. Emphasized delivering solutions that were both viable for the customer and aligned with risk guidelines.
- Managed and executed the complete credit assessment process within the established turnaround time (TAT), ensuring efficient decision-making while maintaining the integrity and accuracy of evaluations.
- Consistently provided a best-in-class customer service experience, ensuring every customer engagement was smooth, professional, and met their expectations for both transaction processing and advisory.
- Stayed up to date with market dynamics, financial indices, policy changes, and regulatory developments to assess their impact on credit portfolios and decision-making processes.
Senior Analyst
OPX America
01.2022 - 02.2023
- Handled client meetings with various branches, namely Dallas, Okemos, and Brentwood, on a weekly basis to understand the client's requirements and expectations, and drive the team to attain goals.
- Training juniors from the basics to help them understand the specified process and being their POC to tackle specific, critical conditions.
- Reviewing individual credit history, capacity to repay, and asset portfolio to understand the merit of the individual.
- Collaborated closely with internal teams, including technical valuation, field investigation, and risk containment departments, to ensure a seamless and thorough credit decision-making process.
- Managed the entire loan process from the initial application through credit approval to disbursement, ensuring compliance at each stage, and maintaining clear communication with customers throughout.
Analyst
Better.com
06.2020 - 12.2021
- Preprocessing- Verifying documents provided by individual to ascertain they are legible and adhere to the guidelines
- Throttle- was part of the pilot program, we helped to reduce turnaround time for US Underwriter by clearing certain Credit, Income, Asset tasks and re-requesting certain required documents that would be required for final approval
- This interim process helped to reduce the time taken to complete a loan by 20% saving resource to the organization
Education
M.Com - Finance and International Business
Delhi School of Economics
DU01.2020
B.Com - Accounts and Finance
Goenka College of Commerce and Business Administration
CU01.2017
Skills
- Credit assessment
- Bank Transaction Evaluation
- Income Assessment
- Client handling
Languages
- English
- Hindi
- Bengali
Accomplishments
- Spearheaded the automation of RIDD at CBA, resulting in complete automation of the process leaving behind a very small portion for manual intervention. This innovation significantly enhanced the team's productivity and was recognized in the company's Onshore Newsletter for its impact on operational excellence.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Analyst
Commonwealth Bank of Australia
05.2023 - Current
Senior Analyst
OPX America
01.2022 - 02.2023
Analyst
Better.com
06.2020 - 12.2021
M.Com - Finance and International Business
Delhi School of Economics
B.Com - Accounts and Finance
Goenka College of Commerce and Business Administration
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