ANUJ WADHWA
Sydney
Summary
Encouraging leader and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.
Overview
21
21
years of professional experience
Work History
Senior Credit Manager
ANGLE AUTO FINANCE
Sydney
02.2022 - Current
- Maintain organisation’s credit standards and business service quality
- Implement risk strategies that align to the broader risk appetite to accelerate customer experience and aims to improve business processes
- Ensuring that all credit decisions within the team are sound, involve appropriate analysis and reflect the organisation's current underwriting standards, policies and risk appetite
- Strong stakeholder management with internal and external partners
- Leading a team of both direct and in-direct reports
- Working closely with respective team members on a national level to ensure transactions and queues are managed within agreed service levels
- Drives strategic and operational efficiencies within the team and enterprise
- Partnered with sales teams to identify potential growth opportunities within target markets, driving increased revenue and market share.
- Mentoring team members in effective credit analysis techniques to enhance overall team performance.
- Driving professional development initiatives for staff, providing ongoing training opportunities and supporting their career progression within the organization.
Senior Credit Manager
St George Automotive Finance - WESTPAC GROUP
03.2018 - 02.2022
- Responsible for managing a team of 11 Credit Officers and a Credit Manager
- Ensured that all credit decisions made by the team are within CAL, involve appropriate research/analysis, and reflect the organisation’s current underwriting standards
- Monitored business portfolio to ensure optimal credit quality/risk management as well as early identification of weak/poor credit for more intensive remedial management
- Provided regular feedback/coaching to direct reports and ensures alignment of team/individual goals
- Professional development of staff, including one on one training, performance reviews, recruitment, staff supervision, etc
- Early identification of possible fraud applications and escalation to relevant teams
- Management of all escalations from introducers in a timely and professional manner
- Identifying process improvement opportunities and recommending changes to relevant parties for implementation
- Internal and external stakeholder management and relationship building.
Credit Manager
St George Automotive Finance - WESTPAC GROUP
02.2017 - 03.2018
- Assessed complex customer applications for credit worthiness in accordance with banks underwriting standards, policies, and risk appetite
- Point of escalation for credit decisions and referrals from the team and other stakeholders
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Mentored junior team members in credit management best practices to enhance overall department performance.
Credit Officer
St George Automotive Finance - WESTPAC GROUP
06.2013 - 01.2017
- Analysed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Ensured that all credit assessments and credit decisions are within CAL, soundly based, involve appropriate research/analysis and reflect the bank’s current underwriting standards, policies and risk appetite for the segment
- Ensuring that transactions are within service level agreement times whilst maintaining quality standards
- Fostered long term relationships to achieve the best outcomes for the organisation
- Providing coaching support to bankers and business managers on Auto Finance lending techniques and practices within the business guidelines
Credit Analyst
LOMBARD FINANCE (FLEXI GROUP)
04.2012 - 06.2013
- Assessed finance applications for customers applying for interest free finance through business partners/retailers such as Ikea, Fantastic Furniture, etc
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit
- Answered phone calls and resolving queries raised by customers and retail partners
- Fostered relationships with retail partners and other stakeholders
- Met KPIs and quality benchmarks.
Collections Officer
LOMBARD FINANCE (FLEXI GROUP)
05.2008 - 03.2011
- Managed a portfolio of delinquent accounts, effectively prioritizing high-risk cases to minimize potential losses
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanour
- Maintained accurate records of all collections activities, ensuring proper documentation for auditing purposes
- Verified and reviewed customer account information
- Evaluated customer financial situations, offering tailored solutions that promoted successful repayments while minimizing risk exposure for the company
- Initiated negotiations for debt recovery through email, telephone, and mail contact
- Improved client payment rates by negotiating and establishing feasible repayment plans
- Monitored accounts for compliance with established payment plans and flagged non-compliances
- Reduced company losses by identifying and addressing problematic accounts in a timely manner
- Ensured compliance with federal and state regulations by staying up-to-date on industry standards and best practices
Team Leader - Technical Support
IBM
07.2006 - 02.2008
- Lead a team of 10 technical support agents for the IBM call centre client – Bell Canada
- Provided IT support to the clients facing technical issue with their internet
- Provided coaching and training to team members in line with the client’s product and processes
- Ensured average handling times of the team members on the phones are maintained
- Handled escalations requiring second level expertise
Tele Sales Executive
TELEPERFORMANCE
07.2004 - 06.2006
- Made phone calls to sell phone packages
- Managed a database of leads, ensuring timely follow-up calls and accurate recordkeeping.
- Achieved high call volume daily without sacrificing quality or attention to detail during each interaction.
- Boosted sales revenue by implementing effective telesales strategies and techniques.
Sales Agent
SAFFRON GLOBAL
02.2004 - 06.2004
- Made phone calls to sell home loan packages from the call centre
- Meeting sales targets
- Meeting quality requirements
- Meeting KPIs
- Ensuring all the policies and procedures are adhered to
Customer Care Executive
VCUSTOMER
07.2003 - 01.2004
- Managed a high volume of inbound calls, multitasking effectively to address diverse customer needs simultaneously.
- Ensured accurate record-keeping by diligently documenting all interactions within internal CRM platforms.
- Resolved concerns with products or services to help with retention and drive sales.
- Increased repeat business, fostering strong relationships with clients through exceptional service delivery.
Education
Master of Business Administration - Finance
University of Wollongong
2010
Bachelor of Commerce -
Delhi University
2006
Skills
- Customer Engagement
- Performance Improvements
- Mentoring and training
- Strategic Planning
- Performance monitoring
- Attention to Detail
- Relationship building and management
- Critical Thinking
References
Available upon request
Timeline
Senior Credit Manager
ANGLE AUTO FINANCE
02.2022 - Current
Senior Credit Manager
St George Automotive Finance - WESTPAC GROUP
03.2018 - 02.2022
Credit Manager
St George Automotive Finance - WESTPAC GROUP
02.2017 - 03.2018
Credit Officer
St George Automotive Finance - WESTPAC GROUP
06.2013 - 01.2017
Credit Analyst
LOMBARD FINANCE (FLEXI GROUP)
04.2012 - 06.2013
Collections Officer
LOMBARD FINANCE (FLEXI GROUP)
05.2008 - 03.2011
Team Leader - Technical Support
IBM
07.2006 - 02.2008
Tele Sales Executive
TELEPERFORMANCE
07.2004 - 06.2006
Sales Agent
SAFFRON GLOBAL
02.2004 - 06.2004
Customer Care Executive
VCUSTOMER
07.2003 - 01.2004
Master of Business Administration - Finance
University of Wollongong
Bachelor of Commerce -
Delhi University