Nagarjun JD
Bengaluru
Summary
Dynamic Process Analyst with a proven track record at Bread Financial, excelling in dispute resolution and operational efficiency. Leveraging advanced Excel skills and strong organizational abilities, I successfully implemented process improvements that enhanced productivity and reduced cycle times. Committed to delivering high-quality results while fostering collaboration across teams.
Overview
6
6
years of professional experience
Work History
Process Analyst
Bread Financial
Bangalore
10.2022 - 04.2025
- I primarily worked as Credit Bureau dispute handler
- I worked on multiple platforms such as VCARS & E-OSCARS
- Analyzed the disputes raised by our brand partner's credit card holders and resolved them accurately and in a timely manner.
- I would cross-verify information that was updated by the credit bureau with the data that we have of our card holders.
- Collaborated with cross-functional teams to identify opportunities for process improvement and increased efficiency.
- Delivered successful process improvement initiatives, resulting in reduced cycle times and increased productivity.
- Conducted regular audits of internal processes, ensuring compliance with industry regulations and company policies.
Loan Documentation Specialist
Wells Fargo India & Philippines Private Limited
Bangalore
01.2019 - 09.2022
- Conducted preliminary underwriting to accurately determine borrower's real income through analysis of personal and business tax returns, utilizing Income Analysis Tool to assess cash flow.
- The tool ensures uniformity and transparency throughout the Wells Fargo Home Lending Underwriting process, aligning with fair lending practices.
- Income calculations are done based on multiple documents such as Form 1040, 1065, 1120, 1120S etc
- Requested missing documents to fulfill underwriting requirements.
- Collaborated with stateside partners to verify borrower credibility prior to loan approval.
- Contributed to the achievement of department goals through consistent high-quality work.
- Applied strong analytical skills to swiftly identify potential risks or discrepancies in processed documents.
- Increased productivity by effectively managing workload and prioritizing tasks.
- Provided outstanding customer service by promptly addressing inquiries and resolving issues.
Education
BBA -
St. Aloysius (Autonomous) University
Mangaluru03-2016
Skills
- Advanced Excel proficiency
- Reporting skills
- Workflow Analysis
- Process Documentation
- Statement Review
- Organizational skills
- Time management abilities
- Multitasking
- Problem-Solving
- Process auditing
- Operational efficiency
- Attention to detail
- Time management
- Customer Support
- Client Servicing Support
Languages
- English
- Kannada
- Hindi
Affiliations
Sparsh Volunteering.
Timeline
Process Analyst
Bread Financial
10.2022 - 04.2025
Loan Documentation Specialist
Wells Fargo India & Philippines Private Limited
01.2019 - 09.2022
BBA -
St. Aloysius (Autonomous) University