Avneet Taneja
Summary
Talented professional seeking opportunities for career advancement in Banking & Financial and information technology markets. Strong communication and interpersonal skills enhance collaboration in team settings. Proven work ethic and adaptability to both individual and group environments. Committed to continuous learning and professional development.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Senior Credit Assessor
Westpac Banking Corporation
02.2021 - Current
- Assess Broker applications for Westpac Banking Group including Bank of Melbourne, St.George and Bank SA in line credit policies and guidelines.
- Completion of assessment and provide unconditional within SLA.
- Liaising with Brokers to structure and work around files to obtain a positive outcome for the customers whilst adhering to policies and responsible lending.
- Handling escalations and prioritizing submissions based on settlements and SLA.
- Apply lending / credit policy, product and Mortgage Insurance guidelines, and a high level of judgment in assessing applicant's credit worthiness.
- Provided feedback on process improvements for assessment workflows.
- Conducted risk assessments to ensure compliance with regulatory standards.
Credit Assessment Consultant
National Australia Bank
01.2015 - 02.2021
- National Secured Consumer Lending Accredited Banker with AFSL Tier 2 Accredited with a DCA of $2.6mil.
- Perform end to end assessment on both simple and complex mortgage credit applications in line with DCA specifications.
- Complete verifications and provide unconditional approval within SLA.
- Variations including partial discharges, substitutions, removal of borrows, removals of guarantors and matters of consent.
- Have been a SME and provided coaching and guidance for new to business colleagues in terms of processing home loan applications and provided all the support they need to get the work done and until they are competent in the role.
- Responsible for the quantitative and qualitative analysis of applicant requests for loans and lines of credit.
Test Analyst
Royal Bank of Scotland
02.2011 - 01.2014
- Project - Digital - Data Transformation Program (Finance, Risk and Treasury)
- Work closely with Business Analysts and Clients to derive test cases and test plans from customer requirements.
- Analyzing the Functional specs and the Mapping documents.
- Create and update Test Requirements Traceability Matrix.
- Execute test scripts according to defined test schedule.
- Involved in Automation Infrastructure Development using Selenium.
- Tracking progress of allocated test designs and test cases to ensure testing deadlines will be met.
- Identify and log reproducible defects found during the testing process in defect management tool.
- Escalate logged defects to the development team and confirm if the defect is accurate and hence assist the team in understanding the logged defects.
- Assist Test Manager with establishing Test Execution Status Reports and Test Summary Reports, and all documentation.
Test Engineer
Ericsson Global Services
11.2008 - 01.2011
- Delivering quality application change across various platforms through analysis, planning, creation and execution of User.
- Preparing Use Case Specifications and diagram based on Business Requirements.
- Involved in test plan, test strategy and test case generation.
- Responsible for all conformance testing in the host environment.
- Involved in target Testing.
- Regression testing on every month for new bug fixes for Online Mediation.
- Analyzed the logs and helped the development team to fix the problem.
- Reporting defects and tracking them to the closure.
Test Analyst
Cadence Design System
09.2006 - 02.2008
- Part of Product Verification Team for Cadence's Encounter Test Tool for DFT (Design for Test)
- Involved in Regression Testing for the hotfix releases.
- Involved in GUI testing using Selenium IDE.
- Responsible for performing License Testing for the product.
- Clear case merging and final check in of test cases.
- Co-coordinating directly with Developers and the team in the US.
- Creating and Updating the Requirement Traceability Matrix.
Education
Bachelors Of Information Technology - Information Technology
04-2006
Skills
- Banking lending procedures
- Software testing
- Telecom
- Banking
- Attention to detail
- Analytical skills
- Microsoft Office Suite
- Time Management
- Team Management
- Multitasking
Additional responsibilities and achievements
- Acted as a Subject Matter Expert (SME) within Mortgage Operations, providing guidance, coaching, and technical support to assessors and operational teams on complex lending scenarios, policy interpretation, and process improvement initiatives.
- Led and contributed to multiple mortgage operations automation projects, representing business stakeholders during requirements gathering, process mapping, user acceptance testing (UAT), and post-implementation reviews to improve operational efficiency and customer outcomes.
- Collaborated with technology, transformation, and operational teams to identify process improvement opportunities, reduce manual touchpoints, and support the implementation of automated workflow solutions across mortgage operations.
- Performed end-to-end testing and validation of system enhancements, automation initiatives, and policy changes to ensure operational readiness, compliance, and successful deployment.
Leadership & Transformation experience
- Selected by Westpac as a key SME representative to travel to Bangalore, India, to support the launch and implementation of the Mortgage Assessment Launchpad program.
- Delivered operational training, knowledge transfer, and process coaching to offshore assessment teams, ensuring alignment with Australian lending policies, operational standards, and customer service expectations.
- Partnered with business leaders, transformation teams, and offshore stakeholders to establish best-practice assessment frameworks and operational procedures for newly established teams.
- Played a critical role in the successful transition and onboarding of offshore mortgage assessment functions, contributing to improved operational capacity, consistency, and service delivery outcomes.
- Recognised as a trusted SME for mortgage operations transformation initiatives, supporting change management activities, process optimisation, and continuous improvement programs.
Certification
- ISTQB Foundation Level
- National Secured Consumer Lending
- AFSL Tier 2
- Oracle 9i 1Z0-007
Languages
- English
- Hindi
- Punjabi
Timeline
Senior Credit Assessor
Westpac Banking Corporation
02.2021 - Current
Credit Assessment Consultant
National Australia Bank
01.2015 - 02.2021
Test Analyst
Royal Bank of Scotland
02.2011 - 01.2014
Test Engineer
Ericsson Global Services
11.2008 - 01.2011
Test Analyst
Cadence Design System
09.2006 - 02.2008