Dilukshine Nayagam

Banking Sector

• Process and validate settlement of liabilities for retail credit products including loans, mortgages, and credit cards

• Review and reconcile daily transaction postings entries related to settlements and discrepancies

• Prepare and issue customer-facing documents including Liability Letters, No Liability Letters, Clearance Letters, and settlement confirmations in accordance with bank policies and compliance standards.

• Handle mortgage release and lien removal processes

• Resolve post-disbursement and after-sales queries including early settlements, restructuring requests, refund cases, account closures, and system updates

• Collaborate with the automation and digital process improvement teams to enhance letter issuance, contributing to the successful implementation of automated workflows that improved operational speed and reduced manual errors.

• Analyzing and processing approximately AED 3.5 million limit of credit card and loan applications on a daily basis.

• Reviewing and validating all the mandatory KYC documents and performing creditability checks on system, assessing creditworthiness by generating Al Etihad Credit Bureau (AECB) score and verifying employment status income and liabilities to ensure compliance to the Bank and Central Bank of UAE policies.

• Calculating the credit limit and Demand Deposit Account rates based on applicants’ criteria and their salary eligibility and borrowing capacity for new and existing cards and loans.

Key Achievements & Awards

• Ace of Service Award – Q2 2025
Recognized for exceptional commitment to service excellence, and consistent demonstration of the bank’s core values beyond role expectations.

• Values Champion – Q2 2024
Awarded for exemplifying organizational values and maintaining outstanding performance and behavior standards that inspired peers within the Retail Credit Operations team.

• Commended by management for highest productivity and quality and maintaining service-level agreements (SLA) under high-volume workload

E – Commerce Trading

• Preparing and analyzing operational descriptive analytic reports such as monthly revenue reports, online marketing campaign reports, shipping, and warehousing cost reports.
• Monitoring Accounts Receivable and Payable Ledgers and facilitating accounts receivable, accounts payable, reconciliations and other intercompany daily accounting processes
• Ensuring accuracy and efficiency of operations, monitoring incoming payments, and securing revenue by verifying and designing business analysis and data recording systems for use throughout the department and perform updates as necessary to ensure accuracy.
• Preparing weekly and monthly business reports that provide insight into key data point and analyzing to identify the trends and report the recognized potential issues to the management team.
• Identified cost-saving opportunities through meticulous expense tracking
• Accurately analyze and collect data for various types of ad hoc reports based on clients’ requirements.
• Maintaining customer and vendor records, resolving queries and discrepancies to facilitate smooth flow of services.
• Experienced in Xero; cloud-based accounting software and Advanced Microsoft Excel spreadsheet.

Corporate Finance Research and Strategy Consulting Firm

• Identifying financial status by analyzing costs; monitoring variances; identifying trends and recommending actions to CEO.
• Reviewing and reconciling receivable, payable accounts and maintaining company cash floats.
• Prepared accurate financial reports for improved decision making.
• Conducted research for informed decision-making processes.
• Managing the organization’s personnel, purchasing, or administrative needs.
• Sourcing and engaging reliable suppliers and vendors.
• Managed daily finance services for smooth business operations.
• Building and managing company relationships with vendors to facilitate smooth flow of services.

Revenue Cycle Management

• Reviewing and reconciling payable accounts and maintaining company cash floats.
• Identifying financial status by analyzing costs; monitoring variances; recommending actions to Directors on vendor management.
• Monitoring factors such as reliability, quality and accuracy of estimates and invoices.
• Coordinating with vendors and building and managing company relationships with vendors.
• Coordinating with other departments involved in the Vendor Management Process (IT, HR, Operations)

• Performing end to end Recruitment Process, conducting telephone interviews and face to face interviews, and coordinating the results to the candidates.
• Onboarding new recruits and ensuring all relevant mandate personal file documents, company agreements and policies are maintained according to the ISO compliance standards.
• Ensuring employee background verifications are checked and verified.
• Maintaining employee records in HRIS system and ensuring the company mandate HR trackers are updated accurately.