Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Timeline
Generic
Jyotika Malik

Jyotika Malik

Gurgaon

Summary

Contract and CBO Analyst at American Express with expertise in financial analysis and risk assessment. Proven ability to enhance operational efficiency through collaboration and process improvements. Skilled in training and development, resulting in elevated team performance and high customer satisfaction.

Overview

11
11
years of professional experience

Work History

Sr. Credit Analyst

American Express
06.2024 - 05.2025
  • Assessing the creditworthiness of individual by analyzing their financial data, credit history, and market trends to make lending decisions and recommend risk mitigation strategies
  • Reviewing, investigating, and reporting on suspicious financial transactions to ensure compliance with anti-money laundering (AML) and other regulatory requirements
  • Reviewing and analyzing transactions for suspicious patterns, red flags, or anomalies.
  • Identifying potential risks and escalating them appropriately.
  • Investigating alerts generated by transaction monitoring systems.
  • Documenting investigations and maintaining detailed records.
  • To engage in significant discussions with card members regarding the activity on their cards.

Credit Coordinator

American Express
06.2022 - 05.2024
  • Coordinated team events and managed schedules for 78 personnel efficiently.
  • Facilitated communication across various platforms regarding business and employee matters.
  • Handled confidential information, expense management, and meeting coordination effectively.
  • Crafted memos, developed process updates, and created presentations to support leadership.
  • Created and managed decks for business reviews, enhancing presentation quality.
  • Led internal learning and development initiatives focused on self-improvement through curated content.
  • Supported additional projects as needed, ensuring timely completion of tasks.

Lead Credit Analyst

American Express
08.2019 - 05.2022
  • Ensure Maximum recovery on Card Members accounts through inbound & Outbound telephonic contact

    Assess risk on customer accounts, executing strategic decisions to facilitate recovery while preserving elevated customer satisfaction standards.

    Evaluate credit parameters such as credit bureaus, internal scores, financials, and credit history to establish credit limits

Subject Matter Expert

American Express
11.2015 - 08.2017
  • Develop and implement quality control procedures by regular call audits and analyzing data & metrics
  • Responsible for the facilitation of end-to-end training/learning programs
  • Key accountability for managing New Hire performance to achieve pre-defined performance goals by: applying a systematic approach to improve current performance; partnering with the business to identify and diagnose performance gaps in order to engage in targeted coaching to increase productivity and revenue, improving the customer experience and analyzing the causes and factors that limit performance and implement learning solutions that focus on and deliver results
  • Worked on meeting quality standards and user expectations by conducting tests, analyzing data, and identifying areas for improvement.
  • Ensure maximum recovery on CM accounts through inbound/outbound telephone contact
  • Analyse risk on customer accounts, making sound decisions to ensure recovery while maintaining high Customer satisfaction levels
  • Review credit parameters like Credit bureaus, internal scores, financials, Credit history to provide credit limit

Customer Service Specialist

American Express
06.2014 - 10.2015
  • Provide Excellent customer service to resolve customer complains in a timely manner
  • Assisted customers with product selection, ordering billing, returns and query
  • Resolved complex problems by working with other departments to provide solution that meets customer needs
  • Monitored ongoing escalations for resolution progress

Education

Bachelor of Arts -

Mumbai University
01-2017

Intermediate -

01.2005

Skills

  • Communication and collaboration
  • Training and development
  • Resource management
  • Project management
  • Teamwork
  • Planning and coordination
  • Problem-solving
  • Analytical thinking
  • Public affairs
  • Financial analysis
  • Risk assessment

Accomplishments

  • Conducted structured training sessions within my team to enhance colleagues' negotiation and interpersonal skills.
  • Acknowledged and awarded individuals who excelled in managing my profile and virtual training initiatives.
  • Attained the Greatness award in recognition of outstanding results and exceptional performance.
  • Creating PowerPoint presentations for monthly Senior Leadership review.
  • Special Recognition Award Q3'23.
  • Special Recognition Award Q1'23.
  • ICC Champion Award June'23.

Languages

  • English, Expert
  • Hindi, Expert

Timeline

Sr. Credit Analyst

American Express
06.2024 - 05.2025

Credit Coordinator

American Express
06.2022 - 05.2024

Lead Credit Analyst

American Express
08.2019 - 05.2022

Subject Matter Expert

American Express
11.2015 - 08.2017

Customer Service Specialist

American Express
06.2014 - 10.2015

Bachelor of Arts -

Mumbai University

Intermediate -

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Jyotika Malik