Saurabh Fageria
Riverstone,NSW
Summary
Results-driven lending professional with extensive experience in self source residential lending, credit analysis, and relationship management. Proven track record of settling $27.5 million in loans in the last half, with 49% originating from referral channels. Adept at self-sourcing clients and developing strategic partnerships, while also successfully facilitating insurance, credit cards, and debit cards to enhance customer offerings
Overview
9
9
years of professional experience
Work History
Mobile Lending Manager
St. George
02.2024 - Current
- Settled $27.5 million in loans in the last half, with 49% leads generated from referral channels and partnership with clean mortgage quality.
- Developed and maintained strong relationships with community stakeholders to enhance lending opportunities and drive client engagement.
- Onboarded new referral partners, including accountants, real estate agents, and solicitors, to expand the network and enhance lending opportunities.
- Analyzed credit and financial information to assess client eligibility and tailor lending solutions that meet individual needs.
- Implemented strategic acquisition strategies to self-source business, resulting in consistent loan volume growth.
- Facilitated additional financial products, including insurance, credit cards, and debit cards, to provide comprehensive solutions for clients.
- Collaborated with team members to ensure excellent customer service and adherence to lending regulations, contributing to a customer-centric culture.
CREDIT ANALYST
WESTPAC
10.2020 - 02.2024
- Home loan arrangements and broker loans including o/occ refinance, new purchase, guarantor loan, 5-6 way deals, equity arrangements, family pledge loans, bridging loans LMI and non LMI
- Application scoring, account behaviour scoring, customer scoring, probability of default (PD), exposure at Default (EAD), loss Given Default (LGD), negative gearing, assessing LVR
- Credit line increases, payment authorisations, delinquency strategies, limit allocations for credit cards, home loan application approvals
- Customer Level Scoring for credit cards, personal loans (secured and unsecured), overdrafts and transactions accounts, Home loans, business products (e.g
- Equipment finance, business development loans, strategy segmentation
- Verifying borrowing capacity, non-real estate and real estate assets, income calculations, self-employed incomes, shareholding calculations
- Residential real estate security, land title searches, assessing acceptable securities (property zone, vacant land, house, unit, residential dwelling to be constructed), assessing unacceptable securities
CREDIT RISK ANALYST
NEWS CORP AUSTRALIA
11.2019 - 10.2020
- Assist in the development of statistical models; including application and behavioral scorecards, provisioning models to enhance credit decisioning and risk management processes
- Responsible to onboard and manage the customers including credit risk analysis, probability analysis, payment analysis and fraud analysis
- Responsible to monitor alerts, amendments in the entities based on ASIC updates, commercial and consumer credit files
- Exposure to monitoring scorecards and credit decisioning systems: Like Illion and equifax for different entities and risk exposure, JD Edwards for portfolio and management of credit files, salesforce for internal business communication, reviewing the financial documents of the clients
- Ensure there are no implementation gaps emerging out of the credit risk engines resulting in credit losses or operational inefficiencies
- Clean audit trails sign off and testing
- Implementing different credit risk strategies to drive profit generation
- Assist in the use of new modelling methodologies; including researching new approaches and challenging existing methodology to improve the client experiences
- Assess the quality of risk outputs through back testing against realised outcomes, benchmarking against alternative models, sensitivity tests around assumptions and limitations, and other relevant tests
- Determine the amount of financial risks involved concerning investments and operational costs
COLLECTIONS SPECIALIST
NEWS CORP AUSTRALIA
06.2019 - 11.2019
- Liaising with retention and customer and merchant team to maximize recovery of outstanding accounts
- Negotiating and managing extended credit arrangements, provide exceptional customer service with strong negotiation skills for payment arrangement
- Resolving and escalating suspensions, terminations, reversals, corrections and warnings
- Review and approve/decline customer refund requests
- Reconciliation of customer accounts and credit advice, report on collection activity and accounts receivable status
- Monitor accounts to identify outstanding debts, investigate historical data for each debt or bill
- Responsible for managing and collection all the outstanding accounts receivables form clients and customers
- Responsible for other aspects of collections, resolve customer billing problems and reducing the amount of accounts receivables
AML COMPLIANCE ANALYST
WESTPAC
01.2019 - 03.2019
- Worked on a project for anti-money laundering and counter terrorism financing with the quality assurance team
- Undertook thorough and timely AML/CTF investigations to determine any reporting requirements to AUSTRAC and ensured appropriate escalations to management where required where applicable
- Conducted suspicious activity monitoring on a daily basis as applicable, using ad-hoc reporting
- Assist with disposing cases according to agree upon business Service Level Agreements (SLAs)
- Appropriately assess risk when business decisions are made, demonstrated particular consideration for the firm's reputation and safeguarding Westpac group, its clients and assets
- By driving compliance with applicable laws, rules and regulations, adhering to policy, applying sound ethical judgment regarding personal behavior, conduct and business practices
- Escalating, managing and reporting control issues with transparency
SETTLEMENT OFFICER
WESTPAC
10.2018 - 12.2018
- Check settlement documentation is completed in accordance with bank policy
- Ownership and coordination of EF (Equipment Finance) applications through to settlement, commercial loans, commercial hire purchases, leases, insurance premium funds and rollovers
- Review entries for disbursement of loan funds to pay for purchased assets and any associated costs, ensuring approval conditions are met
- Experienced in ABN lookups, VEDA searches, client identification forms, SOLAR, red book reports, info leases and PPSR
- Handle first-line escalation for non-standard inquiries, priority deal management and settlement exceptions
- Comply with AUSTRAC and AML requirements
- Resolving EF issues to ensure smooth settlement of loan transactions
SUPPORT TEAM LEAD
WOOLWORTHS GROUP
08.2015 - 09.2018
- Organized billing, invoice data and prepared accounts receivable and expected revenue reports for controllers
- Answered customer's questions and addressed problems and complaints in person and via phone
- Managed and controlled office supply inventory to ensure timely ordering or requisition of depleted or low-level stock
- Generated sales and inventory reports in Excel with data from a variety of sources
- Improved communication efficiency as primary liaison between departments, customers and vendors
CUSTOMER SUPPORT MANAGER
PRICELINE
08.2015 - 08.2016
- Verified and logged in deadlines for responding to daily inquiries
- Verified that stock information in the computer system was up-to-date and accurate
- Compiled statistical information for special reports
- Directed clients to appropriate personnel to address concerns, resolve complaints and answered account related questions
- Responded to telephone inquiries from clients, vendors and consumers
- Developed, implemented and monitored programs to maximize customer satisfaction and manage on-site customer service representatives
- Generated shipment invoices, prepared packages and set up courier deliveries for customers
- Provided support to store manager and sales team in managing operation workflow
Education
MBA - Finance And Engineering
University of Technology Sydney
Ultimo, NSW07.2017
Bachelor of Computer Science and Engineering - Information Technology
Rajasthan Technical University
India01.2015
Skills
Regulatory Compliance
Pipeline Maintenance
Loan Servicing
Loan Documentation
Multitasking
Problem-solving abilities
Attention to Detail
Time Management
Problem-Solving
Critical Thinking
Team Collaboration
Decision-Making
Sales professional
Professionalacademicqualifications
- MBA: Master of Business Administration, 2017, University of Technology Sydney - Ultimo, NSW
- Bachelor of Computer Science and Engineering, 2015, University of Technology Sydney - Ultimo, NSW
- Certification in AML and financial crime
References
Will be provided upon request.
Timeline
Mobile Lending Manager
St. George
02.2024 - Current
CREDIT ANALYST
WESTPAC
10.2020 - 02.2024
CREDIT RISK ANALYST
NEWS CORP AUSTRALIA
11.2019 - 10.2020
COLLECTIONS SPECIALIST
NEWS CORP AUSTRALIA
06.2019 - 11.2019
AML COMPLIANCE ANALYST
WESTPAC
01.2019 - 03.2019
SETTLEMENT OFFICER
WESTPAC
10.2018 - 12.2018
SUPPORT TEAM LEAD
WOOLWORTHS GROUP
08.2015 - 09.2018
CUSTOMER SUPPORT MANAGER
PRICELINE
08.2015 - 08.2016
MBA - Finance And Engineering
University of Technology Sydney
Bachelor of Computer Science and Engineering - Information Technology
Rajasthan Technical University
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