Vivian M
Bangalore
Summary
Results-driven Banking Professional with expertise in credit assessment and risk management. Drove growth and enhanced operational efficiency through strategic initiatives that delivered value to clients and stakeholders. Committed to continuous learning and maintaining high standards of integrity and professionalism in an evolving financial landscape.
Overview
4
4
years of post-secondary education
10
10
years of professional experience
Work History
Credit Assessment Officer - Personal Loans
ANZ
09.2024 - 12.2025
- Review and assess personal loan applications by analysing customer identity, income, employment, and financial documents (e.g., payslips, tax returns, bank statements).
- Analyze financial ratios such as debt-to-income (DTI), repayment capacity, and cash-flow stability.
- Assess risk flags such as past delinquencies, defaults, high credit utilization, or fraudulent indicators.
- Applied credit policies and scoring models to determine eligibility and recommended approvals, declines, or modified loan terms.
- Made sound credit decisions within delegated authority, including approvals, declines, limit adjustments, and product recommendations.
- Ensured compliance with KYC, AML, and responsible lending regulations while maintaining accurate documentation.
- Maintain operational continuity by taking over essential tasks when needed.
- Support audits and management reviews with accurate data and explanations.
- Perform accurate darting and indexing of Personal Loan applications, ensuring correct mapping of customer data, income documents, KYC, and supporting files.
- Validate and tag documents across multiple systems to ensure seamless flow to underwriting and credit decision-making.
- Flagged suspicious, incomplete, or inconsistent documents for further review to mitigate potential risks.
- Support fraud prevention by identifying document mismatches.
- Coordinate with underwriting, credit, and operations teams to resolve discrepancies.
- Ensure smooth handoffs between upstream and downstream processes.
- Cross-skilled Credit Assessment Officer, taking on dual responsibilities in assessing both credit card and personal loan applications.
- Maintained awareness of policy changes and product updates. with policy changes, new products, and underwriting guidelines.
- Managed customer identification program data to meet compliance requirements. for the team and ensure 50% WFO requirement is met.
- Supported team members during absences by performing essential tasks. as and when required to support team members during absences or high-volume periods on various queues.
- Coordinated call back assignments to ensure timely responses and prevent SLA breaches.
- Served as backup for line manager, overseeing team operations in their absence. for line manager during their absence and providing support to the team by handling tasks and resolving issues to maintain smooth operations.
- Act as a subject matter expert (SME) for darting and indexing processes.
- Guide and mentor junior analysts on quality standards and best practices.
- Support new-hire training and knowledge transfer sessions.
- Work closely with the Credit Assessment Team to stay updated on product changes, policy updates, and regulatory guidelines.
- Ensure smooth handoffs between upstream and downstream processes.
Credit Assessment Officer - Credit Cards
ANZ
07.2019 - 08.2024
- Reviewed credit card applications and conducted detailed credit assessments, identifying and evaluating risks to support informed lending decisions.
- Adhere strictly to credit policies and banking standards, ensuring meticulous verification of income and accurate documentation.
- Made informed credit decisions within delegated authority and effectively communicated outcomes to customers and branch staff.
- Ensured full compliance with regulatory requirements and maintained accurate, audit-ready documentation.
- Processed credit card applications while ensuring adherence to quality and turnaround-time standards, enhancing customer satisfaction.
- Adhere to lending conditions for diverse applicant profiles, such as Centrelink recipients, students, and non-residents, by consistently verifying income.
- Demonstrated strong knowledge of Australian credit bureaus, including Experian, Equifax, and Dun & Bradstreet (D&B).
- Utilised assessment tools like Credit Discretion Management (CDM), Core Accounting Programs (CAP), and Organisation Review and Assessment (ORCA) to streamline assessment processes and improve accuracy.
- Adhered strictly to compliance regulations, internal protocols, and operational procedures to minimise risk and prevent operational losses.
Darting and Indexing Team - Senior Analyst
ANZ
12.2017 - 06.2019
Darting and Indexing Team - Operation Support Officer
ANZ
11.2016 - 11.2017
24/7 - Analyst
ANZ
10.2015 - 11.2016
- Conducted high-volume outbound calls to credit card holders, promoting insurance products and clearly communicating benefits, coverage, and pricing to drive customer engagement.
- Assessed customer needs and recommended tailored insurance plans, resulting in increased sign-ups and customer satisfaction.
- Achieved and consistently worked toward individual and team sales targets through persuasive communication and objection handling.
- Built rapport with customers to enhance trust and improve conversion rates.
- Maintained compliance with company policies, data privacy regulations, and call quality standards during all customer interactions.
- Established rapport with customers, fostering trust and contributing to higher conversion rates.
Education
Bachelor of Business Management -
CMR Institute of Management Studies
Bengaluru , India 06.2012 - 04.2015
Pre-University -
St Joseph's Pre-University College
Bengaluru , India 06.2010 - 01.2012
Skills
- Credit Analysis
- Loan Underwriting
- Consumer Lending
- Risk Assessment
- Microsoft Excel
- PowerPoint
- Decision-Making
- Customer Service
Disclaimer
I hereby declare that the above-mentioned information is correct to the best of my knowledge., 01/06/26
Languages
English
Beginner
A1
Timeline
Credit Assessment Officer - Personal Loans
ANZ
09.2024 - 12.2025
Credit Assessment Officer - Credit Cards
ANZ
07.2019 - 08.2024
Darting and Indexing Team - Senior Analyst
ANZ
12.2017 - 06.2019
Darting and Indexing Team - Operation Support Officer
ANZ
11.2016 - 11.2017
24/7 - Analyst
ANZ
10.2015 - 11.2016
Bachelor of Business Management -
CMR Institute of Management Studies
06.2012 - 04.2015
Pre-University -
St Joseph's Pre-University College
06.2010 - 01.2012