Nikita Gajjewar
Pune
Summary
Detail-oriented Mortgage Underwriter with 6+ years of experience in banking operations, customer service, and process management. Expertise in end-to-end mortgage application assessment, income verification, affordability analysis, document review, and risk evaluation. Proven ability to make sound lending decisions while ensuring compliance with regulatory requirements and internal policies. Strong analytical skills with a track record of maintaining accuracy, productivity, and service excellence in high-volume environments.
Overview
6
6
years of professional experience
Work History
Senior Analyst — Mortgage Underwriting
Barclays Global Services
Pune
01.2024 - Current
- Oversaw end-to-end mortgage application lifecycle from submission through approval and fund release.
- Reviewed applicant documentation to ensure accuracy and compliance with regulations.
- Conducted comprehensive affordability assessments and executed thorough risk analysis to ensure compliance with lending policies.
- Evaluated property valuation reports to ascertain lending suitability.
- Assist brokers, advisors, and internal stakeholders in gathering necessary information.
Support teams in communicating requirements effectively.
Facilitate collaboration among parties to ensure information is obtained promptly. - Ensured compliance with regulatory requirements and internal controls to uphold organisational integrity.
- Enhance accuracy and productivity while ensuring compliance with service level agreements.
- Reviewed and approved complex mortgage cases, applying sound judgement to uphold company policies by contacting the brokers and advisors.
- Mentored junior analysts, providing guidance on best practices and fostering professional development.
Process Associate — Healthcare Operations
AM Infoweb, Pune
Pune
09.2023 - 12.2023
- Managed medical records collection processes for healthcare clients
- Coordinated with hospitals and diagnostic centers to obtain documentation
- Ensured data privacy, confidentiality, and compliance standards
- Maintained trackers and monitored turnaround times and quality metrics
Operations Executive — Motor Vehicle Insurance, NZ
WNS
Pune
05.2023 - 08.2023
- Supported asset disposal processes related to motor insurance claims
- Reviewed documentation and validated cost assessments
- Coordinated with offshore teams to ensure compliance and accuracy
- Maintained data records while meeting SLA and quality targets
CSA (Personal Banker) - Barclays Process
Concentrix
Pune
09.2021 - 05.2023
- Handled high-volume customer interactions related to banking services
- Assisted with online banking, mobile applications, and account queries
- Resolved financial issues while adhering to policies and procedures
- Provided support to vulnerable customers with empathy and professionalism
- Consistently met quality, productivity, and customer satisfaction targets
CSA - UK Chat/Voice
Amazon Development Center, Pune, India
Pune
09.2019 - 09.2021
- Managed customer inquiries related to orders, payments, and policies
- Delivered end-to-end issue resolution to ensure customer satisfaction
- Supported real-time operations and assisted team members during peak periods
- Contributed to team engagement and communication initiatives
Education
B.Com - Commerce
Aniruddha College
Pune01-2019
Skills
- Mortgage underwriting
- Credit risk assessment
- Affordability analysis
- Decision making
- Stakeholder communication
- Quality assurance
- Process improvement
- Customer service and SLA management
- Mortgage compliance
- Risk analysis
Languages
English
Advanced
C1
Hindi
Proficient
C2
Marathi
Proficient
C2
Timeline
Senior Analyst — Mortgage Underwriting
Barclays Global Services
01.2024 - Current
Process Associate — Healthcare Operations
AM Infoweb, Pune
09.2023 - 12.2023
Operations Executive — Motor Vehicle Insurance, NZ
WNS
05.2023 - 08.2023
CSA (Personal Banker) - Barclays Process
Concentrix
09.2021 - 05.2023
CSA - UK Chat/Voice
Amazon Development Center, Pune, India
09.2019 - 09.2021
B.Com - Commerce
Aniruddha College