Anuj Kumar Gupta
Thane
Summary
Highly accomplished and certified Credit & Mortgage Underwriting Specialist with 10+ years of experience in the US mortgage industry. Proven expertise in loan origination, credit risk assessment, income and asset analysis, fraud detection, regulatory compliance, and process optimization. Known for integrating modern analytics tools (SQL, ETL, Python, Excel, Tableau) and Generative AI applications (ChatGPT) to enhance underwriting efficiency and decision-making. Demonstrates strong leadership in team development, process automation, and cross-functional collaboration.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Assistant Manager – Mortgage Underwriting
OPX America
09.2024 - Current
- Managed and led a team of underwriters responsible for assessing US residential mortgage loans across multiple investors.
- Ensured 100% adherence to Fannie Mae, Freddie Mac, FHA, and VA lending guidelines and internal compliance protocols.
- Conducted periodic training sessions and knowledge audits for underwriters on investor updates and fraud scenarios.
- Monitored quality control metrics and achieved a 25% reduction in underwriting errors over 12 months.
Co-Founder & Strategy Head
Vidyavins Pvt. Ltd.
04.2023 - 06.2024
- Co-established a retail grocery venture focused on underserved Tier-3 markets, designing the business model and growth roadmap.
- Used customer insights and market analytics to tailor pricing, inventory, and marketing strategies.
Senior Financial Analyst – Credit Underwriting
XL Dynamics India Pvt. Ltd.
01.2014 - 03.2023
- Evaluated loan applications, tax returns, paystubs, bank statements, and credit reports to determine borrower eligibility.
- Applied investor-specific guidelines using automated underwriting systems (DU/LP) for decision-making.
- Developed checklists, SOPs, and audit frameworks that improved consistency and accuracy across the underwriting team.
- Performed pre-closing quality control reviews ensuring compliance with CFPB, Dodd-Frank, and GSE standards.
- Supported internal teams with data summaries, underwriting commentary, and investor escalations.
- Collaborated with the training team to upskill new hires, reducing onboarding time by 30%.
Co-Founder | Operations & Finance Lead
Litti On Wheels
08.2011 - 12.2013
- Launched a local food-tech startup specializing in traditional Indian cuisine with modern delivery.
- Oversaw operations, logistics, and P&L while scaling to multiple urban locations through digital marketing and branding.
Education
MMS - Finance
MGM Institute of Management Studies & Research, Mumbai University
Mumbai06.2011
Skills
- US Mortgage Underwriting (Conventional, FHA, VA)
- Loan Origination & Pre-Approval Processing
- Credit Risk Evaluation & Financial Document Reviews
- Fraud Detection & Red Flag Analysis
- Income Analysis (Salaried, Self-employed, Tax Returns)
- Compliance with Fannie Mae, Freddie Mac, CFPB, HUD Guidelines
- Data Analytics: SQL, Python, Excel, Tableau
- Underwriting Systems: Encompass, DU, LP
- Process Improvement & Quality Control
- Generative AI for Business Optimization (ChatGPT, Prompt Engineering)
- Team Leadership, Mentoring & SOP Development
- Underwriting Tools: Encompass, Desktop Underwriter (DU), Loan Prospector (LP)
- Analytics Tools: Excel, ETL, SQL, Python, Tableau
- Documentation & Visualization: PowerPoint, Canva, ChatGPT, Google Workspace
- AI & Automation: Prompt Engineering, Business Process Optimization
Certification
- Data Analytics & Generative AI – E&ICT Academy, IIT Guwahati (2025)
- Advanced Training – SQL, Python, Excel, ETL, Tableau (Certified Technical Program)
Accomplishments
- Reduced average underwriting turnaround time by 20% through process reengineering.
- Designed and deployed SOPs used by 50+ underwriters to standardize document reviews.
- Delivered 100+ hours of training on investor guideline updates and fraud red flags.
Languages
English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Timeline
Assistant Manager – Mortgage Underwriting
OPX America
09.2024 - Current
Co-Founder & Strategy Head
Vidyavins Pvt. Ltd.
04.2023 - 06.2024
Senior Financial Analyst – Credit Underwriting
XL Dynamics India Pvt. Ltd.
01.2014 - 03.2023
Co-Founder | Operations & Finance Lead
Litti On Wheels
08.2011 - 12.2013
MMS - Finance
MGM Institute of Management Studies & Research, Mumbai University
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