Ishani Kaur

La Chapelle A- *** Evershine Nagar Malad (west), Mumbai, MH 400064 India

+91-992******* - adg4f0@r.postjobfree.com

Professional Summary

Competent Credit Analyst bringing a wealth of experience in analyzing various aspects pertaining to credit worthiness of an individual or entity in order to determine the level of risk involved. Offering excellent time management and interpersonal skills along with a desire to work for a financial company.

Skills

• Assess credit risk • Manage risk

• Assess risks • Negotiate credit extensions

• Confident and articulate.

Strong presentation and

Communication skills.

• Negotiating and influencing

skills.

• Ability to think around

problems.

• Highly motivated, flexible and

proactive.

• Attention to detail. • Financial statements expertise

• Cash management • Documentation

• Customer service • Training

• Team building • Project management

• Administrative support • Time management

Experience

10/2018 to Current Credit Risk Analyst

JPMorgan Chase & Co. - Mumbai, Maharashtra

• Conducted annual renewals and reviews of High net worth individuals and trusts.

• Supported the compiling of credit documents for audit purposes

• Dealt with credit executives on a daily basis and renewed proposals as per the requirements of the client and the market.

• Prepared collateral analysis and analyzed the loss given default of every client.

• Fixed pricing of every client by analyzing their profile collateral pledged with the bank and net worth.

• Conducted thorough analysis of financial statements.

• Assessed credit requests including new requests and changed requests with adequate due diligence.

• Provided recommendations tied to analysis and assessment of credit risk.

• Presented analysis and recommendations to managers especially findings that involve a borrower's ability to repay.

• Keeping oneself up to date with the company's lending protocols.

• Reconciled credit files and identified discrepancies and variances.

• Developed and prepared spreadsheets and models using Microsoft office extensively to support analysis of new and existing credit applications.

• Protected business from unnecessary liability by carefully following security and safety standards.

• Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payments.

• Collaborated well with team members to carry out daily assignments and achieve team targets.

• Managed daily tasks consistently and sought out opportunities to go beyond requirements and support business targets.

09/2017 to 10/2018 Client Service Analyst

JPMorgan Chase & Co. - Mumbai, Maharashtra

• A product analyst in the Client service team Mumbai which mainly deals into providing Scorecard analysis for clients like Blackrock, Goldman Sachs, Fidelity to name a few. Also dealt into reporting, client interaction and tailoring the process as per the requirements of the client.

• Provided client support services in accurate and timely fashion. Maintain high level of professionalism and competence in every client interaction.

• Build positive and productive relationships with clients. Make frequent client calls and visits to strengthen client relationships.

• Analyze and resolve service issues promptly. Inform management about complex client issues and resolutions.

• Maintained client focused working environment for team.

• Identified and developed new business opportunities with client contacts. Utilized effective problem solving and time management skills in client service operations.

• Assisted in risk assessment and mitigation activities. Developed process improvements to enhance service efficiency and effectiveness.

• Provided assistance to less experienced staffs when needed and attended educational trainings and workshops for professional growth.

• Provided support in new product development and enhancement activities.

• Determined team targets and implemented plans to achieve goals at individual and group level.

• Lead teams through routine operations and unexpected challenges with strong decision-making skills and expert industry knowledge. 08/2016 to 09/2017 Fraud Analyst

JPMorgan Chase &Co - Mumbai, Maharashtra

• Interviewed witnesses thoroughly, asking appropriate questions to ascertain critical details about each case.

• Contacted customers directly to notify of fraudulent activity and minimize impacts.

• Analyzed large amounts of data to find patterns of fraud and anomalies.

• Investigated cases of insurance and credit card fraud, which involved upwards of $10000 per case.

• Monitored real time queues and identified high risk transactions within the business portfolio.

• Observed customer transactions to identify fraudulent activity such as account take over, friendly fraud, theft and similar other risks.

• Identified fraudulent transactions and cancel them from further processing.

• Resolved queued transactions within the service level agreements to reduce potential revenue losses.

• Interacted with banks and customers to validate information and to confirm or cancel authorizations.

• Resolved customer issues within the scope of existing service level agreements.

• Monitored constantly customer and transactional records to identify unauthorized transactions and fraudulent accounts. Maintained fraud analysis models to improve efficiency and effectiveness of company systems.

• Ensured confidentiality of all information collected during investigation.

• Determine existing fraud trends by analyzing accounts and transaction patterns.

• Identified system improvements to prevent fraudulent activities.

• Recommended anti-fraud processes for changing transaction patterns and trends.

• Recommended new software tools used for fraud detection, prevention and reporting activities.

• Generated suspicious activity reports and risk management reports for Managers.

05/2016 to 07/2016 Equity Dealer

Angel Broking Private Ltd - Mumbai, Maharashtra

• Dealt in the trade settlement and advising clients in their investment decisions.

• Provided investment advice and recommendations.

• Monitored UK and foreign stock market performance

• Interpreted financial reports

• Administered and evaluated clients' investment holdings thereby marketing themselves to potential clients.

• Maintained strong network of contacts in financial industry.

• Managed portfolios according to established risk strategies.

• Oversaw equity, IPO, commodity and derivatives trades. Conducted research to answer questions and handle issues using multiple systems and resources.

• Developed advanced product knowledge to share current information while generating and delivering products quotes.

• Collaborated well with team members to carry out daily assignments and achieve team targets.

• Helped managers improve area operations by sharing customer feedback and contributing new ideas.

Education

05/2021 Masters of Commerce: Finance and Financial Management University of Mumbai - Mumbai, Maharashtra

04/2016 Bachelors of Commerce: Accounting and Finance Nagindas Khandwala College - Mumbai, Maharashtra

• GPA 7

• Awarded as the Topper of the batch

• Scored 89%

04/2013 High School Diploma: Commerce

Sydenham College Of Commerce And Economics - Mumbai, Maharashtra

• Graduated in top 5% of class with 85%

04/2011 ICSE:

Ryan International School Mumbai - Mumbai, Maharashtra

• Graduated in top 10% of class with 87%

Community Service

• Volunteered as a French tutor for students studying in Grade 5-10- Assisted children interested in learning the language by providing them with extensive training in learning and speaking the language

• Volunteered as a College tutor- Taught students pursuing graduation in the field of business and commerce. Subjects like taxation, audit, financial management were covered Accomplishments

• Collaborated with team of 10 in the development of Learning and Development of new joiners from all across the globe. Organized various training sessions across different locations resulting in facilitation of information and expertise and receiving accolades for the same

• Resolved product issue through consumer testing. Played a pivotal role in learning the nuances of the process and provided training to peers.

• Winner of the monthly reward and recognition award for the best team player for five consecutive months.

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