Summary
Overview
Work History
Skills
Education
Courses
Certification
Honors Awards
Personal Information
Projects
Volunteer Experience
Timeline
Generic
Kiranyaa Rajan

Kiranyaa Rajan

Assistant Manager
Shah Alam

Summary

I held the position of Assistant Manager at Standard Chartered Bank, where I applied my financial and business expertise. Prior to this, I worked as a Credit Analyst at the same institution, gaining valuable experience in credit risk analysis and making well-informed financial decisions. Armed with a background in finance and having recently completed a Master's in Business Administration from Unitar International University, I was enthusiastic about advancing my professional growth and making meaningful contributions to the success of organizations in the business and finance sector.

Overview

5
5
years of professional experience
1
1
Certification
4
4
Languages

Work History

Assistant Manager

Standard Chartered Bank
04.2021 - 12.2023
  • Evaluate and offer recommendations for a range of approval requests, including new applications, limit increases, annual reviews, facility conversions, and other common inquiries, ensuring strict compliance with Know Your Customer (KYC) standards.
  • Review and assess requests received through various channels, such as branches and dedicated sales channels, for both retail and business banking products, incorporating KYC protocols.
  • Collaborate with cross-functional teams, including product, marketing, sales, IT, and lending operations, to ensure the seamless implementation of new programs, products, and systems, with a continuous focus on KYC requirements.
  • Ensure compliance with the department’s Service Quality and Key Control Standards.
  • Generate ad hoc reports and handle additional responsibilities as assigned by the Manager, Credit Initiation, while maintaining a keen awareness of relevant principles
  • Co-supervise and conduct training for both new and existing staff on updated products, credit evaluation guidelines, and best practices.
  • Engage in regular discussions to drive operational efficiency, foster knowledge sharing, and maintain a strong commitment to compliance.

Credit Analyst

Standard Chartered Bank
04.2020 - 04.2021
  • Review credit applications for Business Banking products in alignment with Credit Policies, and provide recommendations for the decisions of Approvers.
  • Participate in direct, in-person conversations with customers or conduct site visits as a fundamental aspect of the credit assessment process.
  • Evaluate the creditworthiness of customers by analyzing their financial statements.
  • Perform User Acceptance Tests (UAT) to authenticate changes implemented in approval systems.
  • Accomplish supplementary tasks or projects as assigned and considered essential based on the job description.

Intern

AIA Berhad
01.2019 - 04.2019
  • Efficiently process payments as a cashier and ensure accurate matching in the G400 system.
  • Revise and improve credit control processes to maximize the efficiency of collecting outstanding debts.
  • Oversee and follow up with intermediaries to ensure the timely recovery of outstanding debts.
  • Perform credit checks on customers, making approval or denial decisions in accordance with company standards and requirements.
  • Offer prompt and comprehensive responses to inquiries from both clients and internal teams.

Skills

    IBM PCOMM

    Microsoft Teams

    SQL

    Perfios

    Microsoft Office (Word, Excel, PowerPoint)

Education

Master of Business Administration (2022 - 2023)

UNITAR International University


Bachelor of Business (Hons) Majoring in Finance (2016 - 2019)

University of Wollongong (Malaysia)  


Foundation in Management (2015 - 2016)  

Multimedia University, Cyberjaya   


SPM (Malaysian Certificate of Education) (2009 - 2013)

SMK Alam Megah, Shah Alam   

Courses

Operations Management Training (OMT 2.0) 

Associated with Standard Chartered Bank

Certification

Anti-Money Laundering Concepts: AML, KYC and Compliance (Udemy)

Honors Awards

Mortgage Top Support Award  (Jul 2021)

Associated with Standard Chartered Bank


Employee Recognition (Heroes Of CI) (Oct 2021)

Associated with Standard Chartered Bank

Personal Information

Nationality

MALAYSIAN


Linkedin: 

linkedin.com/in/kiranyaa-rajan

Projects

Impact Of Work Stress Towards Work-Life Balance Of Private Banking Sectors Employees In Kuala Lumpur (Master Of Business Administration) (2023)

  • The aim of the project focuses on how work stress including, organizational workload, role in organization and relationships at work affects the work-life balance of private banking sector employees in Kuala Lumpur.


Final Year Project, "Consumer Adoption Towards Mobile Wallet Among Private University Students In Shah Alam And Subang Jaya" (2017 - 2018)

  • Project objective is to examine the factors that influence' consumers' adoption towards mobile wallet while conducting an online survey with the total of 300 respondents and later interpreted in SPSS software

Volunteer Experience

Volunteer Staff 

Kuala Lumpur Standard Chartered Marathon (KLSCM) 2023 

  • Distribute water and energy drinks to runners at designated hydration stations.
  • Provide encouragement and motivation to keep participants energized.


Volunteer  

Kechara Soup Kitchen Society 

  • Participate in on-site food distribution events at shelters, community centers, or designated locations.
  • Help organize and coordinate food distribution logistics, including transportation and setup.


Student Volunteer

Malaysian Centre for Constitutionalism and Human Rights (MCCHR) 

  • To create awareness on Sexual Abuses of Women on Social Media in conjunction with MCCHR

Timeline

Anti-Money Laundering Concepts: AML, KYC and Compliance (Udemy)

02-2024

Assistant Manager

Standard Chartered Bank
04.2021 - 12.2023

Credit Analyst

Standard Chartered Bank
04.2020 - 04.2021

Intern

AIA Berhad
01.2019 - 04.2019

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Kiranyaa RajanAssistant Manager