Summary
Overview
Work History
Education
Skills
Domain Experience Summary
Processes Handled
Hobbies
Personal Information
Disclaimer
Timeline
Generic

Digamber Singh

Dehradun

Summary

With over 13 years of experience in the BPO industry, highly skilled professional in client servicing, people, process, and operations management. Expertise also extends to quality assurance, change management, process improvement, and vendor management. Consistently demonstrates astute decision-making and strong commitment to delivering exceptional results. Possesses deep understanding of industry best practices and successfully implements strategies to drive operational efficiency and enhance customer satisfaction. Proven track record in managing complex projects and leading cross-functional teams, making a valuable asset to any organization seeking a dedicated and accomplished professional.

Overview

16
16
years of professional experience

Work History

Manager

Quattro Mortgage Services
08.2024 - Current
  • Handling a team of 120 people of operation and Automation
  • Managed and motivated employees to be productive and engaged in work
  • Accomplished multiple tasks within established timeframes
  • Maximized performance by monitoring daily activities and mentoring team members
  • Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery
  • Cross-trained existing employees to maximize team agility and performance

Manager

Assimilate Solution
06.2015 - 08.2024
  • Handling 2 teams of Pre closing and Post closing underwriting with total strength of 30 team members along with 2 Team leads
  • Weekly business review calls with onshore partners
  • MBR/QBR with internal leadership team
  • Daily performance review call
  • Ensure compliance with internal policies and procedures, external regulations, and information security standards
  • Review and analyses performance reports against targets on a weekly/monthly basis with Leaders
  • Identify causes for non-achievement of performance targets, develop solutions and execute the same
  • Lead hiring for the process as & when required
  • Conduct periodic one-o-one’s & annual / half yearly performance appraisals
  • Driving monthly/quarterly RnR for the entire business
  • Forecasting workload and scheduling staff to meet anticipated workload within scheduled turnaround time
  • Overseeing process improvement initiatives through system changes, process re alignment/ redefining & efficiency management
  • Monitoring performance/overall targets on a daily, weekly & monthly basis in adherence to the pre-set standards for various teams
  • Got promoted to Manager in 1.5 year of my tenure with Assimilate solutions
  • Received multiple awards for Best Team (Quarter)/(Month) and Managerial Excellence Award several times

Senior Team Member

TCS
08.2013 - 06.2015
  • Work as a senior underwriter for post close loan
  • Underwriting mortgage loan for Lender
  • Pre-Purchase audit of conventional, VA and FHA loans and deep analyzing the file and calculate the 3 major part of Borrower i.e
  • Income, Asset and Liability
  • Use to deep reviewing borrower's financial documents
  • Auditing the full loan and purchase it
  • Analyzed loan transactions and identified credit risks in each of it and prepared necessary projections
  • Developed information of financials of all prospective customers
  • Documented all loan policy and credit approval letters
  • Coordinated with team members to finish work and work effectively as a team
  • Received Star performer numerous times during my tenure here

Senior Team Member

EXL Services
11.2012 - 08.2013
  • Work as senior underwriter for VA IRRAL project
  • Use to deep reviewing the veterans document (Title Insurance, Note, VA documents, Payoff, Credit Report, Hazard Insurance, Tax Document, 1003)
  • Conditionally approve the loan if the documents are not complete and request the document from Loan processor
  • Fully approve the loan when the documents are complete according to bank guidelines and prepare the bank IRRRL work sheet and change the loan amount accordingly and send it to Loan Processor

Senior Team Member

Bank of America
06.2011 - 09.2012
  • Worked with Bank’s Regulation X process
  • We used to do reconciliation of HUD & GFE’s
  • Had to highlight the defects to U/W & same needs to be keyed in different mortgage applications
  • Working in Loan Modification (HAMP & Non-HAMP)
  • Doing deep analysis of various mortgages, income, hardship etc
  • Documents as per the different investor guidelines
  • Process the loans for modification & then assigning the same to U/W for the final review
  • If again required, work again on the loan as per Underwriter’s specifications
  • Checking thoroughly the loans which have been declined for the modification
  • Providing a detailed report with the justification of the same U/W

Management Trainee

Eureka Forbes
06.2009 - 05.2011
  • As a management trainee, I was responsible training the associates on various Eureka Forbes products
  • Trained them on up selling for products
  • Review and analyse various performance reports against targets on a weekly/monthly basis
  • Was responsible for attaining the desired targets for Dehradun & Haridwar area

Education

MBA -

Graphic Era Institute of Technology
Dehradun
12.2009

B.C.A -

Dayanandan Academy of Advance Studies
Dehradun
12.2007

B.A -

HNB Gharwal University
Dehradun
12.2004

Higher Secondary School -

K.V Khaprail
West Bengal
12.2001

Skills

  • Team leadership
  • Relationship building
  • Staff management
  • Time management
  • Operations management
  • Decision-making

Domain Experience Summary

An astute professional with 13+ years of experience in Client Servicing, People, Process and Operations management, Quality assurance, Change management, Process improvement & Vendor Management in BPO industry., US Mortgage – Operations (Having 8+ years in people management.)

Processes Handled

  • Pre-Closing Underwriting, Responsible for Pre-Close Underwriting Audit (QC) on Conventional and FHA loan files, as per Fannie Mae and FHA guidelines., Well versed and trained in performing underwriting audits on various loan products – Conventional conforming, FHA, VA, and USDA loans., Review mortgage loan submissions and analyses all documentation concerning income, asset, credit, appraisal and title information., The job involves auditing the loans underwritten by underwriters and look for variations., Responsible to issue ‘Clear to Close’ decisions on loan files., Detecting and reporting red-flags and any form of fraud, inconsistency, misrepresentations, etc. in financial documents., Ensure high levels of detail-orientation and accuracy.
  • Post-Closing Underwriting, Responsible for Post Close Underwriting Audit (QC) on Conventional FHA, USDA and VA loan files, as per investor guidelines., Review mortgage loan submissions and analyze all documentation concerning income, asset, credit, appraisal, and title information., Perform various verifications to determine authenticity of data, detecting and reporting red-flags and any form of fraud, inconsistency, misrepresentations, etc. in financial documents., Training and audits of the newly joined underwriters in team.

Hobbies

Playing Cricket

Personal Information

Date of Birth: 29/July/84

Disclaimer

I hereby declare that the above information provided by me is correct as per my knowledge and belief.

Timeline

Manager

Quattro Mortgage Services
08.2024 - Current

Manager

Assimilate Solution
06.2015 - 08.2024

Senior Team Member

TCS
08.2013 - 06.2015

Senior Team Member

EXL Services
11.2012 - 08.2013

Senior Team Member

Bank of America
06.2011 - 09.2012

Management Trainee

Eureka Forbes
06.2009 - 05.2011

MBA -

Graphic Era Institute of Technology

B.C.A -

Dayanandan Academy of Advance Studies

B.A -

HNB Gharwal University

Higher Secondary School -

K.V Khaprail
Digamber Singh