Yasmeen Banu Malikbhai
Bangalore
Summary
Accomplished credit professional with over 15 years of experience in credit underwriting and analysis, including 8 years in credit risk evaluation and policy compliance within the Australian banking sector. Expertise in lending analysis, repayment capacity assessment, governance compliance, and process improvement, driving effective risk mitigation and client-focused solutions.
Overview
19
19
years of professional experience
Work History
CREDIT ANALYST
Duo Finance Pty Ltd Australia
2024.11 - 2026.03
- Conducted serviceability calculations and credit risk assessments aligned with Australian lending policies.
- Assessed customer financial profiles, liabilities, and repayment capacity for home loan approvals.
- Managed loan applications from pre-approval to settlement, ensuring regulatory compliance and timely processing.
- Compared multiple bank products and recommended suitable lending solutions based on customer requirements.
- Performed comparative analysis of multiple bank products to recommend optimal lending solutions.
- Verified supporting financial documents including income, liabilities, and credit history.
- Collaborated with brokers and stakeholders to ensure smooth and timely processing of mortgage applications.
- Maintained strong understanding of responsible lending obligations and governance frameworks.
- Assisted clients in achieving home ownership goals through accurate financial analysis and lending support.
- Highlighted key contributions to enhance credit and underwriting procedures.
- Recommended checklist enhancements to improve accuracy in credit assessment and reduce documentation errors.
- Streamlined loan assessment workflows by identifying bottlenecks, enhancing application tracking for improved turnaround.
- Improved turnaround time by coordinating effectively with stakeholders and reducing pending clarification cases.
- Standardized quality review practices to ensure consistency across underwriting assessments and reduce errors.
- Assisted in simplifying verification procedures for income and liability checks, improving operational efficiency.
- Identified recurring policy deviations and recommended corrective actions to strengthen compliance standards.
SR. QUALITY ASSURANCE OFFICER
ANZ Support Services India Pvt Ltd
2016.01 - 2024.01
- Investigated quality and compliance gaps by performing detailed reviews and identifying root causes of operational errors.
- Reviewed business governance and provided actionable feedback through a scoring methodology to enhance compliance.
- Monitored risk and ensured adherence to policies, procedures, and guidelines to maintain operational integrity.
- Collaborated with SMEs and stakeholders to implement corrective actions and improve process accuracy across teams.
- Finalized QC checklists and stakeholder communications while planning monthly targets for team on file reviews to ensure thorough quality assessments.
- Reduced recurring compliance issues through proactive monitoring, coaching, and policy clarification sessions.
- Enhanced underwriting quality standards by recommending process improvements aligned with governance and risk frameworks.
- Strengthened policy compliance by identifying assessment inconsistencies and providing actionable feedback to credit underwriters.
- Assisted teams in understanding policy updates and resolving audit-related concerns to maintain governance standards.
- Solved operational bottlenecks by streamlining quality check processes and improving communication between departments.
- Highlighted significant accomplishments in quality assurance.
- Reviewed business governance and provided feedback using a scoring methodology.
- Contributed to operational efficiency by streamlining QC reporting and improving escalation resolution processes.
- Supported decision-making by preparing accurate weekly and monthly QC performance reports for management review.
- Improved quality review accuracy by identifying process gaps and implementing structured validation checks for lending assessments.
- Strong Achievements:
SR. CSR
HSBC HDPI Bangalore
2012.01 - 2015.01
- Changed career path to banking by pursuing relevant training and education.
- Assisted Canadian HSBC personal banking customers for 34 months.
- Managed day-to-day transactions, wire payments, and fund transfers.
- Supported mortgage inquiries, tracing requests, and complaint resolution.
- Guided online banking and digital services.
SR. REPRESENTATIVE
Infosys BPO Bangalore
2010.01 - 2011.01
- Worked in the Senior Technical Backend Team for British Telecom Wholesale.
- Provided technical support and process optimization recommendations.
- Joined Infosys BPO as Technical Advisor and Analyst.
CUSTOMER SERVICE ASSOCIATE
First Source Solutions Ltd Hubli
2007.01 - 2010.01
- Initiated career with First Source Solutions Ltd during graduation.
- Gained foundational experience in client relationship management and service excellence.
- Developed foundational skills in client relationship management and service excellence while supporting clients.
Education
BBA -
2008-01
H SC - Science, Commerce
2005-01
SSLC - undefined
2003-01
Skills
Credit Risk Assessment
Lending & Underwriting
Financial Analysis
Governance & Compliance
Credit Portfolio Management
Policy & Process Review
Risk Mitigation
Stakeholder Management
MS Excel (VLOOKUP, HLOOKUP)
Data Interpretation
Microsoft PowerPoint & Word
Loan Performance Analysis
Process Improvement
EXTRA CURRICULAR ACTIVITIES
Completed HR field project at TS Pumps & Valves Hubli Conducted Team building games & activities Marathon participant for disability cause Completed HR field project at TS Pumps & Valves Hubli Conducted Team building games & activities Marathon participant for disability cause
Timeline
CREDIT ANALYST - Duo Finance Pty Ltd Australia
2024.11 - 2026.03
SR. QUALITY ASSURANCE OFFICER - ANZ Support Services India Pvt Ltd
2016.01 - 2024.01
SR. CSR - HSBC HDPI Bangalore
2012.01 - 2015.01
SR. REPRESENTATIVE - Infosys BPO Bangalore
2010.01 - 2011.01
CUSTOMER SERVICE ASSOCIATE - First Source Solutions Ltd Hubli
2007.01 - 2010.01
St. Andrew's School - SSLC,
Nehru Arts - H SC, Science, Commerce
Karnataka University Dharwad - BBA,
AWARDS
Maintained 0 errors in credit assessment consistently, Star performer in QC team upon joining, Achieved 100% accuracy in calibration scores consistently