Harisuden Nathan

Credit Risk Management and Strategic Lending

• Managed ANZ customer credit portfolio, reducing bad debt by 25% through structured credit reviews, data-driven risk scoring, and exposure realignment.
• Led high-value credit negotiations and secured lending agreements, collaborating with legal and compliance to reduce unsecured risk.
• Conducted credit assessments using SAP and Equifax data, aligning credit limits with payment performance, and internal policy.
• Trained and mentored more than three team members on credit risk frameworks, decision models, and audit best practices.
• Aligned credit policy with operational strategy to improve financial control, and enable sustainable sales growth.
• Improved credit application service efficiency, enhancing the company's reputation for excellent customer service.

Customer Onboarding and Operational Process Ownership.

• Oversaw onboarding for ANZ business customers, integrating KYC and documentation workflows in Salesforce and 1Centre.
• Improved onboarding conversion by 10% by eliminating bottlenecks in account setup, and enhancing SLA compliance.
• Partnered with cross-functional teams to develop onboarding communication flows, and monitor engagement metrics.
• Automated customer application processes via RPA and digitized document collection, improving turnaround time by 30%.

Key Strategic Projects.

• Credit Limit Review Project: Led a cross-country review of exposure thresholds, achieving a 15% drop in potential bad debt by adjusting limits based on risk tiering and payment trend data.
• Digital Platform Enhancements: Integrated 1Centre and KYC tools to automate compliance checks, reducing onboarding time by 20%, and strengthening AML controls.
• PPSR Registration Initiative: Registered key clients under Australia's Personal Property Securities Register (PPSR), securing party status, and enabling asset recovery during liquidation.

• Streamlined Accounts Receivable processes, including credit assessments, billing, and collections, achieving a 40% reduction in processing time.
• Expedited claims and refund processing, consistently maintaining the Aging report within a 60-day window.
• Analyzed credit requests against company policies, ensuring financial integrity and risk management adherence.
• Effectively resolved chargebacks and disputes by collaborating with Merchant Banks and preparing accurate month-end reports.
• Conducted semi-annual credit limit reviews, identifying opportunities for credit line adjustments that aligned with business objectives and risk management strategies.
• Optimized inventory management through stock level monitoring, ensuring database accuracy and preventing stock-outs.