Aishwarya Ravichandran

About Aishwarya Ravichandran

Highly skilled and experienced professional with a proven track record in finance, credit assessment, and software testing. Currently pursuing my Master of Finance at The Pennsylvania State University, Smeal College of Business. I also hold a Master of Business Administration degree and a Bachelor of Commerce degree. In my previous role as a Credit Assessment Officer at ANZ Support Services, I was responsible for credit underwriting for salaried individuals, sole traders, and construction applicants. I reviewed and approved mortgage documentation for completeness and compliance with established credit risk policies, resulting in a 90% reduction in errors. I have also held positions in transaction processing. As an Associate - Transaction Processing at Sutherland Global Services, I supported the accounts payable department for an Australian-based project. During my tenure as a Test Professional at Cognizant, I ensured the performance of software applications before they went live. My approach involved a blend of manual and automation testing, guaranteeing the highest quality and reliability. I also managed the employee accounts, both on-site and offshore, utilizing Excel spreadsheets for seamless administration and billing. Additionally, I oversaw the security administration of the \"Workday Project,\" safeguarding sensitive data and ensuring the project\'s integrity. Open to networking, new experiences, and exciting opportunities. Let’s connect!

Experience

1. Credit Risk Officer

   ANZ

   Jun 2022 — Present · Bengaluru, IN

   As a Credit Risk Officer at ANZ, developed expertise in evaluating and approving credit applications for a diverse range of clients, including salaried individuals, sole traders, and construction projects. Key Achievements:• Underwriting Excellence: Achieved a 95% compliance rate with credit policies for over 500 annual credit applications.• High Approval Rates: Secured industry-leading approval rates, with 80% approvals for 450+ salaried employees, approximately 100 sole traders, and 50 construction loan applications in FY2022-23, managing a credit authority discretion limit of AUD 2.25 million.• Operational Efficiency: Boosted efficiency by 35% through the automation of the review process, reducing average handling time and streamlining operations.• Comprehensive Review Process: Reviewed documentation for completeness and compliance with established credit risk policies, resulting in a 90% reduction in errors.• Effective Underwriting for Self-Employed Customers: Conducted in-depth credit reviews and analyses of financial statements, tax returns, and projections for self-employed customers, resulting in a 90% success rate in underwriting files.Key Responsibilities:• Lending/Policy Application: Applied lending/credit policy, product guidelines, and mortgage insurance guidelines, exercising a high level of judgment in assessing applicants\' creditworthiness.• Policy Adherence: Adhered to Group Credit Policy and Code of Banking Practice to maximize revenue while minimizing risk.• Research and Assessment: Conducted thorough research on customer requests, gathering all relevant information/data to ensure comprehensive assessments.• Documentation and Compliance: Maintained accurate documentation and record-keeping to support credit decisions and ensure audit and risk compliance.

Education

• BSA Crescent Institute of Science and Technology

  Master of Business Administration - MBA

• SRM University

  Bachelor of Commerce - BCom

• Kendriya Vidyalaya

  High school

• Penn State Smeal College of Business

  Master of Finance