Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Gazal Khipal

Toronto,ON

Summary

Dynamic Credit Analyst with expertise in risk assessment and financial statement analysis. Proven track record in enhancing customer satisfaction and driving branch growth through tailored banking solutions. Adept at credit risk evaluation and fostering strong client relationships, ensuring compliance and effective communication in high-pressure environments. Customer-focused professional with background in enhancing customer experience across various industries. Experienced in handling complaints, processing returns, and promoting services to drive customer retention. Strengths include active listening, problem-solving and empathetic communication skills. Previous roles have involved improving customer satisfaction ratings through timely resolution of issues and personalized service.

Overview

6
6
years of professional experience

Work History

Credit Analyst

CBV Collection Services
05.2024 - Current
  • Conducted an in-depth analysis of financial statements, credit reports, and industry trends to assess the creditworthiness of individual and corporate clients.
  • Evaluated credit risk by using various tools and methodologies, including financial ratios, cash flow analysis, and credit scoring models.
  • Deliver exceptional customer service by processing financial transactions (deposits, withdrawals, bill payments) with accuracy and efficiency, following standardized procedures, and industry regulations.
  • Build strong customer relationships by understanding individual needs, and recommending tailored banking solutions.
  • Prepared comprehensive credit reports and presented clear recommendations regarding loan approvals, credit limits, and terms to senior management and lending committees.
  • Collaborated with sales, operations, and risk management teams to ensure timely processing of credit applications while maintaining compliance with company policies and regulatory requirements.
  • Handled non-sufficient funds (NSF) situations by investigating transactions, coordinating with clients to resolve payment issues, and ensuring proper documentation for further action.
  • Promote banking products and services to achieve business objectives, and contribute to branch growth.
  • Identified, investigated, and reported fraudulent activities related to credit applications, transactions, and accounts, collaborating with internal teams to ensure accurate fraud detection and mitigation.
  • Monitored and managed a portfolio of existing clients, identifying potential risks, and proactively suggesting mitigation strategies.
  • Engaged with clients to collect necessary documentation, clarify queries, and negotiate terms when required.
  • Stayed up to date on market conditions, economic trends, and industry changes to improve risk assessment accuracy and decision-making.

Customer Support Specialist

Concentrix
11.2022 - Current
  • Enhanced customer satisfaction by addressing and resolving complex issues promptly and professionally.
  • Streamlined support processes for increased efficiency and reduced response times.
  • Developed strong relationships with clients, resulting in repeat business, and positive feedback. Resolve customer concerns and escalate complex issues as needed, ensuring a smooth and positive customer experience.
  • Promote banking products and services to achieve business objectives, and contribute to branch growth.
  • Support branch operations by assisting teammates, respecting workflow processes, and contributing to a diverse and inclusive work environment.
  • Utilize MS Office and internal banking systems to manage tasks, appointments, and customer interactions efficiently.
  • Continuously engage in professional development to enhance product knowledge, service delivery, and personal growth.
  • Collaborated with cross-functional teams to address customer concerns, and improve overall service quality.
  • Provided timely assistance to customers via phone, email, and live chat channels, ensuring a high level of professionalism at all times.
  • Utilized CRM systems effectively to track customer interactions, document detailed case notes, and access relevant account information quickly when needed.
  • Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs, and resolving concerns.
  • Updated account information to maintain customer records and process improvements.
  • Handled customer inquiries and suggestions courteously and professionally.
  • Answered a constant flow of customer calls with minimal wait times.

Digital Marketing Executive

Tech Prastish
03.2019 - 08.2022
  • Increased website traffic by implementing search engine optimization strategies and keyword research.
  • Developed successful email marketing campaigns for enhanced customer engagement and retention.
  • Enhanced brand awareness through the creation of compelling social media content and daily management of company profiles.
  • Optimized landing pages for improved conversion rates, utilizing A/B testing and user experience best practices.
  • Grew social media following with strategic outreach efforts, influencer partnerships, and engaging content curation.
  • Planned and executed web, SEO, database marketing and social media advertising campaigns.
  • Directed traffic growth strategies, SEO, content distribution, email marketing and trackbacks.
  • Established, initiated and optimized business development strategies based on company targets, product specifications, market data, and budget factors.
  • Secured long-term accounts by recommending strategies to promote brand effectiveness and highlight product benefits.

Education

Bachelor of Science - Computer Science

RIMT UNIVERSITY
Punjab, India
05.2019

High School Diploma -

GGS Polytechic
Punjab, India
05.2016

Skills

  • Computer proficiency
  • Microsoft Outlook
  • Risk assessment
  • Credit analysis
  • Credit risk
  • Financial statement analysis
  • Verbal and written communication
  • Financial statements expertise
  • Credit reporting
  • Microsoft Excel proficiency
  • Risk mitigation strategies
  • Information verification
  • Financial statement review
  • Financial services
  • Banking experience
  • Customer experienec
  • Loan evaluation
  • Banking solutions
  • Cash flow analysis
  • Credit scoring
  • High-risk account reviews
  • Credit risk assessment
  • Customer service
  • Multitasking abilities
  • Reconciliation

Languages

4,4,4

Timeline

Credit Analyst

CBV Collection Services
05.2024 - Current

Customer Support Specialist

Concentrix
11.2022 - Current

Digital Marketing Executive

Tech Prastish
03.2019 - 08.2022

Bachelor of Science - Computer Science

RIMT UNIVERSITY

High School Diploma -

GGS Polytechic

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Gazal Khipal