Pranali Vyas
Melbourne, Australia ,New Zealand
Summary
An enthusiastic individual, Working in Banking industry for more than 4 years, Expertise in evaluating loan applications, assessing credit worthiness and maximize client satisfaction. Proficient in loan and risk management. Adept at strong client building relationships and ensuring compliance with financial regulations. Also, extensive knowledge of Accounts, Investment and other unsecured lending related stuff. Achieved DLA 1 (Delegated lending authority) & NZQA Level 5 Certificate in Financial Services.
Overview
10
10
years of professional experience
Work History
Customer Experience Advisor (Lender)
Kiwi bank Limited
Wellington, New Zealand
09.2021 - Current
- Process various loan applications (like Welcome/Standard home loan, Refinance, Preapproval, top up on existing mortgage etc.) efficiently & evaluate borrower creditworthiness, financial history to determine loan eligibility, ensuring compliance with regulatory requirements.
- Analyze clients’ financial health by thoroughly reviewing credit reports, income statements and other relevant documents before approving loans.
- Collaborate with credit analysts/managers to ensure accurate risk assessment for final verification and recommendations.
- Actively participate in ongoing professional development opportunities to stay current on industry best practices.
- Assist clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Prioritize client retention by providing exceptional customer service, clear communication and transparency during all stages of the borrowing.
- Reduce delinquency rates by implementing effective collection strategies and working closely with borrowers to create feasible repayment plans.
- Analyse potential risks market trends to identify lending opportunities and risk.
- Assist customer for Credit card and investment related enquiries.
- Provide expert support and information to customers on complex financial products, including investment accounts and credit card options.
Checkout Supervisor/Office Assistant
New World Silverstream
New Zealand
01.2019 - 09.2021
- Conducting customer surveys, review the pricing and dealing with various brand sales representatives and merchandisers.
- Researching industry competitors and maintaining a competitive edge with them with products, price and services.
- I was also given training and license to approve for Authorized restricted goods seller.
- Managing cash flow and cash control for all check-out staff.
- Training, managing staff and rostering their shifts.
- Participating in different workshops organized by Foodstuffs to gain knowledge for retails.
- Responsible for keeping up to date Compliance under food stuff guidelines.
- Dealing with customers conflicts & also maintaining high standards.
Customer Service Assistant
Mrs. Higgins
Wellington, New Zealand
09.2018 - 12.2018
- Working as a sales assistant at Mrs Higgins my tasks consisted of selling and promoting our Cookies and other products to the customers, visual merchandising, organizing for special promotions, cash handling, and dealing with incoming goods.
- Handling Inventory control and stock ordering.
- While dealing with different customers I learnt important sales tactics and interpersonal skills. Each week we had a sales target to be achieved as a team and individually as well. I achieved my sales target most of the time and promoted our products in an effective way.
- I enjoyed promoting our products and focused on increasing sales and retaining customers.
Professor
Achievers Institute
Ahmedabad, India
04.2016 - 03.2018
- I worked as in-house professor for various subjects like Accounts, Finance, Statistics and Management for undergraduate students.
- Developed and implemented innovative teaching strategies that increased student engagement and learning outcomes.
- Created different learning tactics opportunities for students, resulting in numerous recognitions.
- Coordinated students for their several research projects, and Presentation.
- Developed and presented several seminars and workshops on a range of topics related to education.
- Mentored and advised students on their academic and professional goals.
- While working here I demonstrated initiative, enthusiasm, hard work and commitment because of which after I left Country, I was even offered to give lectures Virtually.
Education
Bachelor of Business Administration (B.B.A.) - Finance
K.S.School of Business Management, Gujarat University
IndiaMaster of Business Administration (M.B.A.) - Human Resource
K.S.School of Business Management, Gujarat University
IndiaInter Company Secretary (C.S.) - undefined
Institute of Company Secretaries of India
IndiaSkills
- Call center experience
- Expertise in secured - unsecured lending and investment
- Complaint handling
- Feedback collection
- CRM software
PROFESSIONAL TRAININGS:
- Management skills orientation Programme (MSOP).
- Professional team building workshops.
- Executive and Professional development programme under Institute of company secretaries of India.
- Anti-Money Laundering, Insurance and Risks & Compliance training.
- Certified banking training for accounts, Lending, Investments.
- DLA (Delegated lending authority) and New Zealand Qualifications Authority (NZQA) Level 5 Certificate in Lending and Financial Services.
Timeline
Customer Experience Advisor (Lender)
Kiwi bank Limited
09.2021 - Current
Checkout Supervisor/Office Assistant
New World Silverstream
01.2019 - 09.2021
Customer Service Assistant
Mrs. Higgins
09.2018 - 12.2018
Professor
Achievers Institute
04.2016 - 03.2018
Bachelor of Business Administration (B.B.A.) - Finance
K.S.School of Business Management, Gujarat University
Master of Business Administration (M.B.A.) - Human Resource
K.S.School of Business Management, Gujarat University
Inter Company Secretary (C.S.) - undefined
Institute of Company Secretaries of India