Summary
Overview
Work History
Education
Skills
Certification
Languages
Extracurricular Activities
Projects
Social Link
Total Work Experience
Timeline
Generic
Prachi V Gharat

Prachi V Gharat

Mumbai

Summary

Operations Manager with over 9 years of experience in Consumer and Commercial Lending, certified in CRCMP. Expertise in DSCR analysis, document controls, and internal audits, with a strong focus on regulatory compliance. Demonstrated success in designing and implementing effective controls, identifying process-level risks, and utilizing root cause analysis for operational improvements. Proficient in aligning business operations with governance frameworks such as COSO, Basel III, and SOX, fostering a culture of compliance and excellence.

Overview

9
9
years of professional experience
1
1
Certification

Work History

AVP - Associate Operations Manager

Wells Fargo India & Philippines
Mumbai
12.2022 - 07.2025
  • Led the end-to-end management of three sub-processes: Associate Document Speculation process, Income Calculation Analysis, and Document Review & File Prep across three locations (Hyderabad, Bangalore, Chennai) in Home Lending Operations, overseeing a team of 17.
  • Conducted detailed document and creditworthiness reviews in alignment with pre-underwriting guidelines, regulatory expectations, and operational risk controls.
  • Improved process efficiency by 15% through root cause analysis and risk control enhancements in document workflows.
  • Developed compliance monitoring macros that reduced manual intervention by 90% and improved audit trail integrity, and process transparency.
  • Ensured a seamless, zero-defect process transition while maintaining 100% compliance with SLA and internal control procedures from Day 1.
  • Successfully coached underperformers with a 100% success rate in PIP recovery cases.
  • Created career scorecards tied to performance using the K performance model, leading to enhanced team retention and high delivery of performance.
  • Drove quality governance initiatives that reduced repeat audit defects by 40%, aligning performance with internal compliance metrics.
  • Designed and implemented a feedback mechanism via Microsoft Forms to capture process-level gaps from line-of-business stakeholders, enabling actionable insights, and driving continuous improvement across the portfolio, earning appreciation from stakeholders.

Lead Commercial Mortgage Loan Specialist

Wells Fargo
Mumbai
06.2021 - 11.2022
  • Trained and mentored 30 DSCR analysts across multiple sites, accelerating the onboarding process and elevating process accuracy.
  • Oversaw and directed a team of 15+ professionals in Commercial Lending Ops (CPS and DSCR Process), supporting FLM in conducting performance reviews, and formulating business continuity plans.
  • Orchestrated and facilitated CRE trainings for diverse lines of business, ensuring comprehensive knowledge transfer and skill development.
  • Pioneered 10+ idea projects through design thinking workshops, resulting in substantial cost and time savings across various functional areas.
  • Provided monthly insights to LOB on triggers and non-performing loans by leveraging variance analysis and stress testing, aiding in proactive decision-making and risk mitigation.
  • Spearheaded governance enhancements through rigorous process reviews and proactive monitoring of SLA compliance, ensuring streamlined operations and heightened efficiency.

Senior Financial Analyst

Wells Fargo
Mumbai
12.2019 - 05.2021
  • Executed end-to-end DSCR quality audits on CRE portfolios, evaluating covenant triggers, conducting rent roll analysis, and ensuring loan document accuracy.
  • Reviewed over 30 loans daily, consistently achieving 100% accuracy in variance and collateral analysis.
  • Developed a control-focused training program, reducing onboarding time by 30% and enhancing compliance awareness across teams.
  • Mentored and upskilled 10 team members, resulting in the promotion of 4 individuals to senior roles.

Financial Analyst

Wells Fargo
Mumbai
03.2016 - 11.2019
  • Perform the debt service coverage ratio calculation based on the spread financial statements (operating statement and rent roll), based on loan documents interpretation.
  • Delivered DSCR calculations and variance reports with consistent 97%+ quality.
  • Recognized for maintaining zero-defect performance in audit-heavy processes.
  • Assist new joiners with query resolution and loan documentation interpretation.

Education

MBA - Mizoram

Mizoram University
Mizoram
06-2024

B.Com - Commerce & Accountancy

Badruka College of Commerce And Arts Osmania University
Hyderabad
06-2015

Skills

  • Strategy execution
  • Team leadership
  • Process optimization
  • Quality management
  • Capacity planning
  • Transition and change management
  • Service level agreement management
  • Business analysis and variance analysis
  • Operational excellence
  • Financial analysis
  • Risk management and SOX compliance
  • Performance improvement

Certification

  • Yellow belt in six sigma
  • MS Excel Basic course
  • ITIL V3 Foundation
  • CFA Investment Foundations program
  • Campus Mortgage Bankers Association Level I, II & III
  • Certified Risk and Compliance Management Professional (CRCMP)

Languages

  • Hindi
  • Telugu
  • English
  • Marathi

Extracurricular Activities

Member at Toastmasters Club, Completed Level 2 of the Toastmasters International 'Dynamic Leadership' pathway, developing public speaking, interpersonal communication, and leadership skills as an active club member.

Projects

SWIFT - VBA enabled template, Automated loan processing steps; resulted in $44,000+ cost savings. Quality Checklist & Comment Templates, Drove standardized feedback, cut review time by 50%. Escalation Email Automation, Reduced manual intervention for NPLs; saved $26,000 annually. Governance & Audit Dashboards, Enabled real-time risk and quality monitoring across the process lifecycle.

Social Link

https://www.linkedin.com/in/prachigharat-444006154/

Total Work Experience

9 Years 4 Months

Timeline

AVP - Associate Operations Manager

Wells Fargo India & Philippines
12.2022 - 07.2025

Lead Commercial Mortgage Loan Specialist

Wells Fargo
06.2021 - 11.2022

Senior Financial Analyst

Wells Fargo
12.2019 - 05.2021

Financial Analyst

Wells Fargo
03.2016 - 11.2019

MBA - Mizoram

Mizoram University

B.Com - Commerce & Accountancy

Badruka College of Commerce And Arts Osmania University
Prachi V Gharat