Amit Sapkota

Led product strategy and roadmap for Latitude’s New Zealand Personal Loans portfolio, aligning system enhancements and new features to architecture, risk appetite, and scalability goals. Owned digital portal delivery, governance approvals, and UAT/QA sign-off for production releases under NZ regulatory requirements.

Directed lending portfolio system migration, managing technical requirements, data mapping, and infrastructure readiness for zero-loss transitions. Led partnership separation and decommissioning workstreams while ensuring service continuity, data security, and alignment with partnership agreements and business strategy.

Delivered and embedded a Product Governance Framework, identifying and designing controls to meet risk and obligation requirements. Partnered with Legal, Conduct, Technology, and Marketing to implement initiatives, maintain fit-for-purpose products, and manage rate change processes tied to market and regulatory changes.

Managed and monitored the business lending portfolio to achieve positive business outcomes. Developed pricing frameworks and roadmaps, monitored market trends for product and pricing changes, and ensured products complied with relevant legislative requirements.

Investigated and analysed manual billing issues, performing root-cause diagnosis and ensuring accurate recording of investigation outcomes for data analysis. Supported understanding of risk management and internal billing systems to identify and help remediate issues via customer billing profile development.

Provided service to commercial-segment clients in a service model with Commercial Managers and Commercial Analysts. Onboarded new entities and clients with AML/CFT checks and delivered customer support by phone, email, or in person, including reviewing transactions to recommend better products and services.

Interpreted data and applied statistical techniques to build reports and dashboards. Built ETL processes and integrated multi-source property data using SQL Server technologies, including SSIS, Power Query, SSRS, and Power BI, with data cleansing, visualization, and query optimization.

Answered questions about banking products and account types, and identified referral opportunities based on customer needs. Resolved complaints, supported fraud/identity-theft cases with AML/CMT compliance, and tracked account charges, payments, refunds, and exchanges.

Handled credit card and account queries, including charges, interest, credit analysis, and limit extensions. Managed fraud detection awareness, met quality assurance targets, addressed customer disputes, and supported routine account requests and product cross-sell based on customer needs.

Handled customer inquiries via phone and e-channels about Westpac retirement plans and KiwiSaver. Coordinated with fund management, Inland Revenue, and Housing New Zealand to advise customers on withdrawals, first home purchase, retirement, and financial hardship or serious illness scenarios.

Used skip tracing and collection strategies to locate parties and negotiate payment arrangements. Reviewed account information to engage with consumers, authorize credit bureau deletions, prepare delinquency statements, and initiate repossession or hand over to legal partners where required.

Managed store operations including forecasting cash/chip requirements, monitoring budget variances, and executing marketing plans to maximize profit. Led hiring, training, and discipline, maintained daily cash and inventory processes, conducted audits, and supported annual budget and forecast monitoring and analysis.

Completed a Bachelor of Business Studies with a major in Finance at Massey University from 2012 to 2015.