Mala K R
Bangalore
Summary
Financial Analyst with 4+ years of experience in financial analysis, mortgage finance, credit risk assessment, and operational analysis. Skilled in evaluating financial statements, income documentation, credit information, and loan applications to support accurate lending decisions. Expertise in quantitative analysis, risk assessment, loan underwriting, compliance, reporting, and process improvement. Proficient in Microsoft Excel, Power BI, and financial operations tools, with proven experience in Australian mortgage operations and collaboration with cross-functional teams and clients. Analyses mortgage applications, financial statements and credit documentation to support accurate lending decisions and strong risk control. Handles high-volume loan assessments, compliance checks and quantitative calculations across LMI, DTI and LVR while maintaining accuracy and turnaround standards.
Overview
5
5
years of professional experience
3
3
Languages
Work History
Senior Financial Analyst
Concentrix
Bangalore
09.2021 - 09.2026
- Analyse financial and supporting documentation for mortgage applications to support accurate financial and credit-risk decisions.
- Process and evaluate 200+ loan applications monthly, ensuring accuracy, completeness and compliance with underwriting requirements.
- Assessed borrower financial positions by reviewing statements, income data, and credit documentation to mitigate lending risks.
- Perform quantitative risk calculations including LMI, DTI and LVR, ensuring accuracy in financial assessments.
- Reviewed and validated loan documentation across diverse Australian mortgage products, identifying discrepancies and enabling timely approvals.
- Conduct quality-control reviews using ECS to ensure adherence to financial risk, compliance and operational guidelines.
- Manage high-volume financial documentation and transaction-processing activities while maintaining quality and turnaround-time requirements.
- Perform monthly data and quality checks to identify inconsistencies, minimize rework and improve the accuracy of financial information.
- Support management reporting and operational analysis using Power BI, improving reporting accuracy and reducing manual effort.
- Analyse vendor and operational performance data to identify inefficiencies and support process improvement initiatives.
- Prepare and maintain operational trackers and reports to monitor performance, workload and process status.
- Collaborate with Australian clients and internal stakeholders to resolve process issues, communicate updates and support business requirements.
- Mentored team members on financial analysis, mortgage processes, documentation standards, and quality requirements.
- Facilitated smooth transition of new processes by managing daily trackers, weekly client updates, and knowledge transfer systems.
Education
Master of Business Administration (MBA) -
MVJ College of Engineering
01-2021
Skills
- Microsoft Excel
- Microsoft PowerPoint
- Power BI
- PEXA
- ECS
- GOE
- Service Online
- CIS
- VisionPlus
- Valex
Languages
English
Kannada
Hindi
Declaration
I hereby confirm that all information provided in this document is complete, true, and accurate to the best of my knowledge.
Timeline
Senior Financial Analyst
Concentrix
09.2021 - 09.2026
Master of Business Administration (MBA) -
MVJ College of Engineering