Vinita Rai
Etobicoke,ON
Summary
Results-driven Financial Sales Representative known for high productivity and efficient task completion. Specialize in financial analysis, customer relationship management, and sales strategy development. Excel in communication, problem-solving, and adaptability, using these skills to meet and exceed sales targets while building strong client relationships.
Overview
4
4
years of professional experience
Work History
Lending Specialist
Fairstone Financial
Toronto, ON
03.2025 - Current
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Explained various types of loans available to customers and their associated terms and conditions.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
Credit Counsellor- Client Account Management
CIBC
07.2024 - 03.2025
- Managed a portfolio of delinquent accounts, and implemented strategies to reduce delinquency.
- Negotiated repayment arrangements with customers to ensure that timely payments were made.
- Developed relationships with customers to encourage the resolution of overdue accounts.
- Monitored customer accounts for payment trends, creditworthiness, and compliance with terms.
- Provided excellent customer service while collecting past-due amounts from customers.
- Advised delinquent customers on strategies for debt repayment.
Credit Card Specialist
TD Bank
02.2024 - 06.2024
- Reviewed customer applications for credit card approval.
- Analyzed and verified financial information to ensure the accuracy of application data.
- Responded to inquiries from customers regarding their credit cards and accounts.
- Maintained accurate records of customer interactions and transactions.
- Monitored daily transaction volumes, balances, interest rates, and fees for all active credit cards.
Financial Services Representative
Cash Money - Curo Financial
Toronto, ON
06.2023 - 01.2024
- Interviewed clients to determine income, expenses, financial objectives, and risk tolerance in order to develop successful financial plans.
- Cross-sold bank products and services based on customer needs to boost sales.
- Received and processed deposits, withdrawals, and loan payments, keeping financial records up to date.
- Cold-called potential clients to discuss available financial products and services.
- Arranged for debt repayment and established a repayment schedule based on customer finances.
Financial Customer Service Representative
Toyota And Lexus
Toronto, Ontario
12.2022 - 05.2023
- Created customized solutions for complex financial situations involving multiple accounts or transactions.
- Performed data entry of customer accounts into the system.
- Assisted customers with inquiries and resolving financial issues.
- Answered incoming phone calls from customers seeking assistance with their accounts.
Customer Service Associate
Walmart
Toronto, Ontario
08.2022 - 12.2022
- Educated customers on special pricing opportunities and company offerings.
- Addressed inquiries, resolved customer issues, and managed customer relations..
- Met and exceeded productivity targets by handling every interaction with top-notch customer service.
Team Leader
McDonald's
Etobicoke, ON
11.2021 - 08.2022
- Assisted other team members in achieving goals.
- Collaborated with team members to complete orders.
- Operated the cash register to ring up the final bill and process various forms of payment.
- Conducted various administrative duties and errands.
- Mentored and trained junior employees to improve performance, food safety, and customer service.
Education
Post Graduate Certificate - Project Management
Sheridan College
04.2023
Post Graduate Certificate - Marketing Management
Sheridan College
Mississauga, ON12.2022
Master of Science - Environment And Management
Amity University
Delhi06.2021
Bachelor of Science - Chemistry
Amity University
Delhi07.2019
Skills
- Loan assessment
- Customer service
- Debt management
- Risk assessment
- Sales strategies
- Problem solving
- Relationship building and management
- Time management
- Leadership
- Team player
- Strong MS office abilities
- Cash handling
Accomplishments
- No 1 Sales Person in Ontario In Cash Money
- No. 1 Sales Person in District 5 times in a row in Cash Money
Timeline
Lending Specialist
Fairstone Financial
03.2025 - Current
Credit Counsellor- Client Account Management
CIBC
07.2024 - 03.2025
Credit Card Specialist
TD Bank
02.2024 - 06.2024
Financial Services Representative
Cash Money - Curo Financial
06.2023 - 01.2024
Financial Customer Service Representative
Toyota And Lexus
12.2022 - 05.2023
Customer Service Associate
Walmart
08.2022 - 12.2022
Team Leader
McDonald's
11.2021 - 08.2022
Post Graduate Certificate - Project Management
Sheridan College
Post Graduate Certificate - Marketing Management
Sheridan College
Master of Science - Environment And Management
Amity University
Bachelor of Science - Chemistry
Amity University
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