Kanav Atri
Melbourne,Australia
Summary
Experienced financial professional with a strong background in risk assessment, regulatory compliance, fraud detection, financial crime, financial data analysis, interpret and apply complex lending policies and relationship management. Currently working as a Credit Risk Analyst within Mortgage Operations, premium complex team (Broker Channel) at Westpac Banking Corporation, with primary responsibility of end-to-end assessment of premium complex mortgage applications. I have a proven track record in developing and implementing strategic approaches to portfolio optimisation and risk mitigation. Skilled in navigating regulatory landscapes, with a deep understanding of financial crime prevention and AML obligations. Demonstrated leadership capabilities through interim team leader roles, focusing on performance management and workflow optimisation. I can engage and build genuine relationships with our customers, and I pride myself on being a team player and a decisive thinker. I work collaboratively to achieve the best possible outcomes for our customers. My drive to succeed helps me tackle even the most challenging tasks with an open mind and energy. As a versatile financial professional with a Graduate certificate in Management (Finance) and currently pursuing an MBA in Finance. I have honed my skills in regulatory compliance, portfolio and relationship management as well as financial crime prevention. My role as a credit risk analyst at Westpac has strengthened my expertise in policy implementation and performance optimisation.
Credit professional with extensive experience in analyzing credit data and financial statements to assess risk and ensure compliance with lending standards. Known for collaborative approach and delivering results that align with company goals. Reliable and adaptable, possessing strong analytical skills and attention to detail.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Credit Analyst
Westpac Banking Corporation
06.2021 - Current
- Perform comprehensive assessments of complex mortgage applications, including analysing financial data from various sources such as payslips, income statements, tax returns, bank statements etc
- Validate Know Your Customer (KYC) documents, including identity verification forms, 100-point identification check, and privacy and consent forms, among others
- Coordinate and evaluate property valuations, conduct title searches, and review contract of sale documents
- Exercise delegated lending authority to make risk-based decisions on loan applications
- Collaborate with brokers to clarify loan requirements and determine optimal loan structures for customers
- Ensure all lending decisions align with Westpac Group's credit policies, risk appetite, and regulatory standards
- Monitor and manage risk across customer portfolios
- Contribute to maintaining Westpac's high standards of customer service and operational excellence
- Perform in-depth analysis and decision-making on complex mortgage applications, ensuring compliance with lending standards and effective risk management
- Collaborate with internal teams and external brokers to convey outcomes and refine complex application structures, ensuring an outstanding customer experience throughout the mortgage application process
SMB (Tier 1 & 2) Relationship and Portfolio Management
OPTUS
01.2014 - 06.2021
- Manage a diverse portfolio of 300 to 400 Optus business customers, serving as the primary point of contact for financial matters
- Oversee Tier 1 and Tier 2 SMB customers, ensuring their financial obligations are met and addressing any issues promptly
- Manage Optus mercantile agencies, coordinating debt recovery efforts for delinquent accounts
- Handle bankruptcy and insolvency proceedings, including PART IX and PART IV applications, to protect Optus's financial interests
- Collaborate with the group Credit Risk team to implement strategic goals related to credit and recoveries
- Identify, analyse, remediate, and control data issues to maintain information integrity and accuracy across financial systems
- Develop and implement business and reporting systems for projects, investments, finance, and administrative services
- Adhere to all relevant regulatory requirements, demonstrating meticulous attention to detail in all financial processes
- Effectively manage AFSA (Australian Financial Security Authority) enquiries, navigating complex regulations with expertise
- Handle confidential and sensitive information with the utmost discretion and in accordance with Optus's privacy policies
Sales Verification and Compliance
AGL Energy
11.2010 - 10.2013
- Review sales recording to ensure accuracy and completeness of information
- Contact customers to verify they understand the terms and conditions of their energy contracts
- Check that all sales comply with Australian energy regulations and internal company policies
- Identify any sales that do not meet compliance standards and write a report
- Provide feedback to the sales team and individuals and support ongoing training efforts
- Confirm the accuracy of customer data entered into the system
- Assist in investigating and resolving customer complaints related to sales practices
- Prepare reports on sales verification activities and compliance findings
Education
UG - Engineering
RMIT University
Graduate Certificate - Management (Finance)
Australian Institute of Business
Masters - Business Administration (Finance)
Australian Institute of Business
02.2025
Skills
- Innovation and creativity
- Data Analytics
- Risk Assessment
- Strategic planning
- Investigative Skills
- Cross-functional teamwork
- Microsoft office
- Policy analysis
- Compliance monitoring
- Call canter experience
- Documentation review
- Data interpretation
- Financial statement analysis
- Debt structuring
- Policy design
- Customer communication and empathy
- Team leadership
- Analytical thinking
- Operations management
- Multitasking
- Problem-solving abilities
- Conflict management
- Decision-making
- Organizational skills
Certification
- Cardiff University, Six SIGMA LCS Level 1a/ Lean White Belt
- Cardiff University, Lean Six Sigma Yellow belt
Accreditations
- DRA/DLA up to $5 mil
- Anti-Bribery and Corruption Fundamentals
- Banking Code of Practice (BCoP)
- Code of Banking Practice-Business Direct
- Code of Banking Practice-Business Lending
- Code of Banking Practice-Consumer Lending
- Consumer Protection
- Financial Crime Risk Awareness
Languages
English
Full Professional
Hindi
Full Professional
Timeline
Credit Analyst
Westpac Banking Corporation
06.2021 - Current
SMB (Tier 1 & 2) Relationship and Portfolio Management
OPTUS
01.2014 - 06.2021
Sales Verification and Compliance
AGL Energy
11.2010 - 10.2013
Graduate Certificate - Management (Finance)
Australian Institute of Business
Masters - Business Administration (Finance)
Australian Institute of Business
UG - Engineering
RMIT University