Richie Brar

• Coach, lead and inspire a team of credit analysts cultivating a culture of excellence, collaboration, ongoing improvement, recognise team successes to deliver a highly efficient and consistent standard of services to customers, mortgage brokers and other stakeholders ensuring compliance with credit policy and process
• Collaborated with our Principal Broker, loan processors, operations and settlement team to ensure seamless progression of Mortgage deals within SLA high
• Leverage data-driven insights and identify emerging risks and issues to improve decision making, enhance efficiency on portfolio oversight and enable proactive risk strategies
• Demonstrated experience in writing complex SQL queries (e.g
• Extraction and validation)
• Embrace continuous self-development and be comfortable with stepping out of your comfort zone and learning new skills
• Work collaboratively in cross-functional scrums with other Data, Product and Risk Teams to deliver on Key strategic initiatives and transformational projects
• Actively develop and implement strategies to improve time to service efficiency and performance objectives ensuring loan fundings are processed within agreed time to service and delegated authority
• Successfully Managed risk appetite through calibration and monitoring
• Maintained key credit policies, procedures, and controls to ensure credit operates within lending standards
• Monitor quality loan assessment performance, from application to settlement ensuring adherence to relevant legislative and statutory requirements and/or industry codes, practices and standards to build a strong risk culture within the team
• Oversee and managed credit assessment pipeline, ensuring credit assessors are meeting decision timeframe KPIs and providing additional oversight over aged files
• Ensure workflow allocations and escalations support quality growth and effective administration of the Mortgage application
• Collaborated with relevant internal stakeholders, credit committees, line 2 credit risk and compliance team on retail credit risk exposures and governance
• Conduct staff performance reviews and provide coaching and feedback to individuals to support their personal development
• Achieve all compliance requirements, including raising complaints and incidents within required timeframes, taking ownership of issues, engaging with stakeholders, and formulating actions to remediate
• Ensure compliance of Banks policies, AML, KYC procedures, products, services and systems
• Prepare and provide recommendations for lending applications outside own delegation to a higher PCAA holder or to Credit Committee
• Effectively collaborate with the Line2 credit risk team for incoming Reverse Mortgage loans, to achieve optimum outcomes within Personal Credit Approval Authority (PCAA) and agreed timeframes.
• Championed a culture of continuous improvement within the department by encouraging proactive problem-solving approaches among direct reports of 13. Spearheaded cross-functional projects aimed at enhancing overall business performance, resulting in increased profitability.

• Company Overview: At Commonwealth Bank Melbourne VIC
• Client management: Work with clients to meet timelines, monitor exposure, and report breaches
• Credit risk analysis: Use data analytics to optimize credit risk strategies
• Process improvement: Recommended ways to improve productivity and simplify processes
• Risk management: Provide advice to bankers, broker and risk colleagues on how to manage risk
• Portfolio monitoring: Ensure portfolios are monitored and that action is taken when credit deteriorates
• Operational risk submissions: Prepared and actioned 12 operational risk reports for Collections
• Deal execution: Coordinate deal execution through documentation and funding
• Performance monitoring: Monitor and review the performance of existing clients
• Reporting: Report client financial and operational performance to Risk Management
• At Commonwealth Bank Melbourne VIC

• Started as Financial assistance specialist in contact centre
• Acknowledge customer’s situation and provide best suited solutions
• Stepped up as Team Leader addition
• Lead, developed and coach team to deliver superior client experience through quality conversation, take accountability and demonstrate our bank’s core values of Care, Courage, and Commitment
• Reviewed calls for quality perspective
• Identify risk and breaches, subsequently coach frontline and update EMS on policy/process and regulatory breaches if any
• Oversee all customer engagement service functions, including managing complaints, providing product support and implementing strategies to enhance the best possible customer experience across all touch points
• Foster Value and capture feed-back and resolve it in timely manner
• Develop and lead the team to deliver consistence performance across deliverables and contribute to center's performance
• Completed PFR for team and align to deliver common objective and bank’s values
• In-depth knowledge and experience to resolves disputes investigate and negotiate right outcome with customer at the heart of conversation
• Understanding of risk and regulatory environment and NCCP regulations, Debt Recovery guidelines, Privacy Act, Banking code of practice, National Credit Code timelines and AML
• Achieved highest Fitted for Work referrals in Feb 21 and team, recognition by GM collections
• Identify systemic issues arising in ongoing complaint investigation or compliance concerns subsequently involve/provide feedback to stake holders within the Value stream
• Deal with complex & sensitive matters, investigate and review NPS surveys and ensure comprehensive coaching for frontline and feedback to stake holders/senior management
• Focus on people's financial well-being, help them and businesses move forward to progress
• Collaborated with the workforce team, to plan and execute staffing strategies to ensure timely customer call handling and reduced wait times
• Ensure adherence to firm’s collection protocols
• Identify and mitigate potential risks that can adversely affect the Bank/customer relationship
• At Commonwealth Bank Melbourne VIC

Company Overview: At Australian Scholarship Group Melbourne VIC

• Responsible for evaluating potential borrowers' financial situations by analysing their credit history, income, and assets to determine their creditworthiness and make recommendations
• Identified potential risk factors associated with a application and making recommendations based on lending policies
• Build relationship by phone and conduct face-to-face presentations with clients
• Hold end to end ownership and new business development and processes
• Verifying the accuracy and completeness of all supporting documentation provided by the borrower
• Keep up to date with technical knowledge & appropriate strategies
• Identify opportunities among business and refer it to other to effectively capture
• Collaborating with loan officers, brokers, and other internal teams to gather necessary information and discuss loan application
• Provide professional customer service to achieve a high percentage of customer satisfaction and retention and continuous business development
• Maintain high level compliance in transaction.

• Led teams of up to 50 personnel, supervising daily performance as well as training and improvement plans.
• Fostered a culture of continuous improvement by encouraging staff to share innovative ideas and providing resources for professional development.
• Enhanced sales team performance by implementing strategic training programs and coaching methods.
• Prioritized tasks and allocated resources appropriately to keep teams focused and productive.
• Regularly reviewed sales team performance metrics, identifying strengths and weaknesses while providing constructive feedback for ongoing professional growth.
• Managed cross-functional teams for multiple large-scale projects, successfully completing each on time and within budget constraints.

• Managed team of Business Development Executives and delivered Mortgage/Line of credit /Personal Loans, Insurance & Credit Card volumes
• Reviewed all loan requests prior to approval; verified completion of credit packages and analyzed feasibility of the business
• Disbursed a monthly budget INR 20mil in Mortgages
• Developed processes, policies, and procedures for other areas within the department resulting in integrating production and quality assurance processes, also trained department personnel on those processes, policies, and procedures
• Oversee Third party vendor managed contact centre operation for direct sales team of 50 and delivered monthly targets of sourcing Credit Cards and Personal Loans & Home loans
• Maintained and signed up new alliances/referrals for contact centre operation and direct selling

• Achieved significant cost savings by renegotiating contracts with key vendors, without compromising service quality.
• Responsible for governance and third-party audit readiness and 100% compliant unit
• Developed a strong company culture focused on employee engagement, collaboration, and continuous learning opportunities.