ALIF BIN MAHMUD

● Assisted the finance department in daily operations, including calculating total sales figures for vehicles, verifying transactions, ensuring the validity of driver’s licenses, analyzing customer files and details (3 Years address & Employment history), and liaising with lenders efficiently.

● Created invoices for clients regularly, mentioning the product’s price with VAT.

● Communicated with primary and secondary lenders, such as Black Horse, MotoNovo Finance, DSG, Startline Finance, Evolution, Creation and Mann Island, via email to facilitate customer applications.

● Informed the customers (maintain GDPR instructions) about lender approvals, providing detailed explanations of terms, including loan duration, APR rates, balloon payments (if applicable), and whether the deal is a PCP or a HP agreement.

● Followed the instructions provided by the Financial Conduct Authority (FCA); explaining the Initial Disclosure Document (IDD) & Commission Disclosure Document (CDD) to the clients and letting them know the exact amount of commission received from the lender.

● Analysed and evaluate customer applications before submitting them to lenders for review and approval.

● Regularly followed up with customers via 3CX software, providing updates on lender proposals and assisting with inquiries. Conduced HPI (Hire Purchase Investigation) checks for the customers with Part Exchange vehicle and estimated a rough valuation for their previous car.

• Extensive experience in providing exceptional customer service in the Textiles/Footwear sections, ensuring a positive shopping experience.
• Optimising consumer options and sales opportunities through effective management of stock replenishment, which guarantees the availability of full-size ranges on the shop floor.
• Proactively supported managers and supervisors, offering assistance in regular tasks.

• Monitored debit, credit, and prepaid card transactions to provide instant fraud prevention decisions.
• Operated within assigned fraud cost budget, analyzing cases for Fraud Risk Management Unit.
• Oversaw fraudulent activity investigations to minimize suspicious transactions in collaboration with management.
• Utilized banking software (i.e TWO FIMI, ITC, ADC) to address daily fraudulent incidents and implement preventive measures.
• Tracked and blocked user accounts promptly using online financial platforms to prevent losses.
• Conducted regular customer outreach to ensure safety and respond to transaction denials.
• Evaluated fraud cases thoroughly while maintaining focus on transaction monitoring and authorization.
• Generated fraud reports to support business objectives and reduce overall bank fraud risk.

• Executed credit risk assessments for Ananna Swipe Load project, utilizing diverse analytical methods.
• Analyzed Credit Information Bureau (CIB) reports to evaluate loan applicants' creditworthiness.
• Reviewed Integrated Assessment Sheets to determine eligibility of loan applicants.
• Evaluated client documentation, including Trade Licenses, tax certificate, Utility bill, Bank Statements etc, to ensure compliance.
• Managed and evaluated Company data and Customer Profile of Small and Medium Enterprises (SME); construction, electronics, home appliances, etc.
• Conducted User Acceptance Testing to evaluate effectiveness of proposed changes.
• Drafted memos for approved loan applicants to document essential information and maintain records.