Summary
Overview
Work History
Education
References
Timeline
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RAKIN MIAH

Sydney,NSW

Summary

Finance and Economics graduate from UTS with a proven track record in client services, showcasing proficiency in stakeholder management through collaboration with Senior Management, Business Development Managers, Lawyers, and individuals in high-risk situations. Exhibits robust leadership skills acquired from multiple acting Team Leader roles, complemented by analytical expertise garnered through various positions involving the analysis of extensive financial information. Possesses extensive project management skills, with a deep proficiency in the Microsoft Suite, especially Excel, enabling effective contribution to projects as both a subject matter expert and a project lead.

Overview

6
6
years of professional experience

Work History

Analyst - Extra Care Department

Commonwealth Bank
12.2021 - Current
  • Developed and implemented innovative time management protocols, efficiently managing a portfolio of over 65 clients affected by significant incidents, in collaboration with senior management to address high-risk initiatives at Commonwealth Bank.
  • Conducted comprehensive financial analyses of client accounts to generate insights, formulating effective hardship solutions that supported their financial recovery, within the framework of Commonwealth Bank's customer support strategies.
  • Expertly handled at-risk clients, including those with potential for self-harm or harm to others, ensuring professional composure and sound decision-making in critical situations.
  • Leveraged exceptional communication skills to effectively disseminate vital information to management at Commonwealth Bank, both verbally and in written formats, enhancing decision-making processes.
  • Recognised as the premier Subject Matter Expert for hardship solutions within the domains of Credit Cards, Personal Loans, and Home Loans, contributing to Commonwealth Bank's reputation for excellence in customer service.
  • Demonstrated outstanding leadership qualities by directing teams and embracing additional responsibilities, reinforcing my leadership position within Commonwealth Bank.
  • Led the Net Promoter Score (NPS) initiative, significantly increasing customer satisfaction levels through meticulous analysis of customer feedback and the implementation of targeted improvement strategies, thereby elevating customer engagement and satisfaction metrics at Commonwealth Bank.

Credit Analyst

Macquarie Bank
05.2020 - 12.2021
  • Conducted detailed financial analysis and risk assessment for both individual and corporate loan applications, evaluating financial stability and potential risk factors.
  • Utilised financial statements, credit reports, and operational insights to assess the creditworthiness of applicants, ensuring a thorough evaluation process.
  • Collaborated with cross-functional teams to gather accurate data for comprehensive risk evaluations, enhancing the quality of credit assessments.
  • Adhered to stringent credit policies and procedures, ensuring compliance with regulatory standards and minimising legal risks.
  • Formulated recommendations for credit limits and terms based on in-depth risk analyses, optimising financial exposure and profit margins.
  • Proactively monitored existing accounts for signs of financial distress, proposing strategic interventions to mitigate risks.
  • Effectively communicated credit decisions and rationales to internal stakeholders and clients, ensuring clarity and transparency in credit practices.
  • Kept to date with economic trends and sector-specific developments, applying this knowledge to assess and predict credit risks accurately.
  • Employed advanced financial modeling and forecasting techniques to refine credit decision-making processes, improving prediction accuracy and operational efficiency.
  • Prepared detailed credit reports for executive management and regulatory authorities, facilitating informed decision-making and compliance.
  • Managed and updated credit files and documentation diligently, ensuring the accuracy and integrity of credit information and supporting documents.

Financial Hardship Specialist - Represented Team

Commonwealth Bank
06.2019 - 05.2020
  • Specialised in managing and analysing hardship requests from authorized third parties (Financial Counsellors, Debt Management firms, solicitors) to ensure optimal outcomes.
  • Conducted thorough evaluations of hardship requests, devising tailored solutions that balanced customer needs with bank policies and risk mitigation strategies.
  • Developed and maintained strong relationships with key stakeholders, including the Financial Counsellors community and other external service providers, enhancing collaboration and service efficiency.
  • Demonstrated exceptional communication skills, both written and verbal, in all forms of professional correspondence with internal and external parties.

Financial Hardship Specialist

Commonwealth Bank
02.2019 - 06.2019
  • Tailor solutions for customers facing financial hardship and addressing challenges associated with diverse banking products.
  • Apply critical thinking and problem-solving skills to deliver optimal resolutions, prioritising customer assistance in overcoming financial challenges.
  • Source and analyse financial information from diverse channels, ensuring a well-informed decision-making process that balances factual evidence and sound personal judgment.

Early Customer Engagement Specialist

Commonwealth Bank
08.2018 - 02.2019
  • Strengthened communication and problem-solving competencies by engaging with bank debtors to negotiate and establish payment arrangements.
  • Proactively pursued continuous learning and professional development, culminating in achieving the highest Call Quality in 2018-2019 financial year.
  • Exhibited effective leadership skills through the training and development of new staff across diverse environments.
  • Recognised for outstanding performance and nominated for the Direct Channels Ultimate Success Program 2018-2019 by the senior manager in communications.

Education

Bachelor of Business - Finance and Economics

University of Technology Sydney
11.2020

References

References available upon request

Timeline

Analyst - Extra Care Department

Commonwealth Bank
12.2021 - Current

Credit Analyst

Macquarie Bank
05.2020 - 12.2021

Financial Hardship Specialist - Represented Team

Commonwealth Bank
06.2019 - 05.2020

Financial Hardship Specialist

Commonwealth Bank
02.2019 - 06.2019

Early Customer Engagement Specialist

Commonwealth Bank
08.2018 - 02.2019

Bachelor of Business - Finance and Economics

University of Technology Sydney

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RAKIN MIAH