In 2013 started my professional career as an associate, with over Ten years of experience in US Mortgage and Market research, Having the ability to handle teams through complex assignments effectively & possessing the confidence to work as part of a team or independently.
Overview
11
11
years of professional experience
Work History
Team Lead/Internal Auditor - BFSI
TATA CONSULTANCY SERVICES (TCS)
09.2013 - Current
Responsible for validation and delivering end to end in handling funds for mortgage in the role of team lead
Extensive working knowledge of handling mortgage servicers like FHA/VA, USAA, FNMA, FHLMC, and HELOC
Expertise in liquidating and managing funds received as per US federal laws for home mortgages
Expertise in mortgage Domain with exposure to Fund transfers, Foreclosures, payoffs, and payment processing
Expertise and working knowledge of various aspects of US home mortgage fair lending laws like CFPB, HUD, HMDA, ECOA etc
Workflow Allocation: Allocating various queues to the concerned operators
Have worked on various improvement projects like onboarding new vendor applications by providing required assistance in testing to go live
Error Feedback and Training: Identifying areas of improvement in individual operators and suggesting and implementing measures to enhance their payment knowledge and productivity
Design Training Modules: To create and design training modules on different processes and to assist the trainers by giving input and keeping their training modules up to date as per the client's requirements
Payment Processing: To identify proper routing for funds received as per regulated hierarchy
Queue Monitoring: Monitoring various currencies as per their scheduled cutoff for any High-Value Payments
Managing SLA: Ensuring the requests are processed within the time specified in our client SLA
Delivering MIS to internal as well as external clients
Supporting customer service departments to resolve client queries with in-depth analysis of mortgage accounts
Completing ad hoc requests from clients
Handling the Client's calls/emails on various issues and implementation of projects and new activities
Coordinating with different stakeholders to resolve client issues
Guiding the team on various new requests from the clients
Manage relationships and perceptions with Business partners at a regional and global level
Coordinating with the Product and Operation Team to get accurate output
Processing funds as per request e.g
Foreclosure, Liquidations, Payoffs, disbursements, ACH PAYMENT setups, etc
Verification of the checks which are manually initiated for payments of Monthly payments, Escrow Payments, various fees and taxes payments
Escalates significant delivery issues as appropriate, handles escalations and ensures they are resolved the same day
Adhere to the anti-money laundering policy and complete all compliance training
Various Reporting, SLA, Quality and Utilization report preparation
Weekly and Monthly connect with different stack holders
Provide coaching and guidance to the team to achieve personal and professional goals
Motivate the team through Rewards and Recognition based on performance
Achieving delivery excellence by adhering to the Risk and compliance policy of the organization and client
Achieved 100% customer satisfaction for consecutive past three quarters
Reduce errors and escalations by 25% using the bottom quartile method focusing on top low-performing queues
Delivery Excellence through Internal Audit: Conducted internal process audits for other BFSI projects
During the internal audit make sure that the process adheres to the Risk and Compliance policy of the organization by reviewing SOW (state of Work) and client contracts
The project complies with the training requirements of associates by completing required certifications and mandatory training set by clients
Making sure that the project follows internal security policies like GDPR, and password management, especially during WFH
Help team to identify Risk presented in the process by reviewing in-depth analysis of process during audit meeting with project stack stakeholders.
Senior Process Associate
TATA CONSULTANCY SERVICES (TCS)
09.2013 - 12.2017
Database Creation, Inspections and Processing of the Databases of major clients involved in the FMCG market of APAC (Australia & New Zealand)
Coordinating with different departments for the availability of the input for the databases Handling the Daily/Weekly/Monthly conference calls
Communicate with clients on conference calls regarding the issues and improvement for process-related activities
Analyzing data, developing reports, and making recommendations to help them make decisions on their business strategies
To make sure that all the deliveries in terms of i-sights/reports are done within the client-specified deadlines
Processed Harmonization for various categories like home care, Personal care, Laundry, NAB, food, Pharmacy, skincare etc for global clients
Various FMCG category items coding in tools like PIMDB and OGRDS
Character Coding, Database Generating, Database Running and maintaining reports for Australia and New Zealand-based clients
Providing error-free deliverables to clients which can help them in fixing their marketing strategies
Preparing documentation for process-related tasks and work instructions
Generation of Quota Tracking Report and Daily Status Report
Preparing KPIs on a weekly and monthly basis for the team which must be shared with the Client
Ensuring the on-time deliveries of processed databases to clients.
Education
MBA - Marketing
Parul Institute Of Management
BBA - Marketing
Saurashtra University
Skills
Attention to Detailundefined
Learnings And Certificates
Google Analytics for beginners - Udemy - September'23
Process Improvement Foundation - LinkedIn Learning - March'23
PowerBI essential training - LinkedIn Learning - September'22
Critical thinking - LinkedIn Learning - June'22
Communicating to Drive people to take action - LinkedIn Learning - April'21
Problem Solving Techniques - LinkedIn Learning - July'20
Business Analysis Foundation - LinkedIn Learning - September'22
GDPR - TCS internal
Marketing Research -Retail management - TCS internal
Business Analyst at Diligenta (TCS- UK Subsidiary), TATA CONSULTANCY SERVICES(TCS) PVT.LTDBusiness Analyst at Diligenta (TCS- UK Subsidiary), TATA CONSULTANCY SERVICES(TCS) PVT.LTD