Ayushi Agarwal
BLACKTOWN,NSW
Summary
Dynamic Lead Credit Analyst at American Express, recognized for expertise in credit analysis and strategic negotiation. Successfully developed tailored financial relief plans that significantly boosted customer satisfaction and loyalty. Proficient in risk assessment, adept at managing high-stakes accounts to ensure seamless payment transactions while advocating for clients’ fair treatment. Committed to providing exceptional service and innovative financial solutions.
Overview
5
5
years of professional experience
Work History
Lead credit Analyst, After Hours
American Express
11.2018 - 10.2022
- Catered card members needs after their enrollment in the financial relief program
- Provided customer help after business hours by helping them make the payment, waive the late fee where need be
- Also helping them with the bounced payments and explaining how charge cards work
Lead credit Analyst, Financial Relief Program
American Express
11.2018 - 10.2022
- Customized plans for customers to fulfill their specific requirements and provide an exceptional customer experience
- Assisted card members during pandemic by informing and teaching them about the Financial Relief Programs
- Understood the requirements and financial capacity of the individuals based on their position of income sources
- Tailored the Financial Relief Program and repayment terms according to financial capacity of the individual members
Lead Credit Analyst, Currents
American Express
11.2018 - 10.2022
- Maintained discretion while providing personalized service to premium credit card clientele
- Delivered in-depth knowledge of premium card benefits to high-value clients
- Built trust and exceeded expectations for VIP clients, fostering loyalty and increased card usage
- Guided clients on optimizing American Express profiles to maximize rewards
- Offered solutions for declined payments, ensuring a seamless customer experience for all cardholders
Master Credit Analyst, High Risk Lending
American Express
11.2018 - 10.2022
- Proactively managed at-risk accounts, mitigating potential delinquencies
- Implemented proactive measures to prepare cardholders for economic downturns
- Delivered exceptional customer service, offering customized solutions like interest rate adjustments and repayment plans (including settlements in exceptional circumstances)
Credit Analyst, Low Balance Past Due
American Express
11.2018 - 10.2022
- Assisted cardholders who missed payments by facilitating processing, account reinstatement, and setting up automatic payments to prevent future delinquencies
- Provided support for bounced payments, guiding cardholders through bank procedures to ensure successful transactions
- Championed fair treatment by reversing late fees when appropriate, demonstrating a commitment to customer satisfaction
Account Manager, APEX
Encore Capital Pvt Ltd
01.2018 - 11.2018
- Maintained discretion while providing personalized service to high-value clients holding Green, Gold, and Platinum credit cards
- Delivered in-depth knowledge of card benefits and rewards programs, fostering loyalty and increased card usage
- Proactively managed at-risk accounts, mitigating potential delinquencies
- Implemented proactive measures to prepare cardholders for economic downturns
- Delivered exceptional customer service, offering customized solutions like interest rate adjustments and repayment plans (including settlements in exceptional circumstances)
- Assisted delinquent cardholders with payment processing, reinstatement, and enrollment in automatic payment options to prevent future missed payments
- Navigated payment issues by guiding cardholders through bank procedures for bounced payments
- Collaborated with top-rated third-party collection agencies to recover bad debt while ensuring ethical practices
- Developed personalized debt repayment plans for customers, including options with zero interest or settlements, to facilitate successful resolution
- Championed fair treatment by reversing late fees when appropriate, demonstrating a commitment to customer satisfaction
- Implemented user-friendly payment options across various channels to ensure convenient and timely debt repayment for customers
Education
BA - English
Mahatma Jyotiba Phule Rohilkhand University
01.2017
Class XII -
National Institute of Open Schooling
01.2014
Class X -
Bishop Conrad Senior Secondary School Bareilly, CBSE
01.2012
Skills
- Credit analysis
- Financial assessment
- Debt restructuring
- Risk assessment
- Payment Transactions Management
- Service Excellence
- Strategic Negotiation Abilities
- Analytical Problem Solving
- Precision in Task Execution
- Credit Risk Evaluation
- High-Stakes Account Evaluations
- Credit Account Monitoring
- Credit Risk Assessment
Languages
English
Native/ Bilingual
Hindi
Native/ Bilingual
References
References available upon request.
Timeline
Lead credit Analyst, After Hours
American Express
11.2018 - 10.2022
Lead credit Analyst, Financial Relief Program
American Express
11.2018 - 10.2022
Lead Credit Analyst, Currents
American Express
11.2018 - 10.2022
Master Credit Analyst, High Risk Lending
American Express
11.2018 - 10.2022
Credit Analyst, Low Balance Past Due
American Express
11.2018 - 10.2022
Account Manager, APEX
Encore Capital Pvt Ltd
01.2018 - 11.2018
BA - English
Mahatma Jyotiba Phule Rohilkhand University
Class XII -
National Institute of Open Schooling
Class X -
Bishop Conrad Senior Secondary School Bareilly, CBSE
Similar Profiles
Siddharth BishtSiddharth Bisht
Manager - Data Science at American ExpressManager - Data Science at American Express
Chantal PalmerChantal Palmer
Accounts Receivable Specialist at American ExpressAccounts Receivable Specialist at American Express
Shalini YadavShalini Yadav
Relationship Lead at American ExpressRelationship Lead at American Express
Zaahira FarheenZaahira Farheen
Senior Customer Service Associate at American ExpressSenior Customer Service Associate at American Express
Kiran KaurKiran Kaur
Logistics Coordinator at Sigma Health CareLogistics Coordinator at Sigma Health Care