Radhika Machaiah
Senior Quality Analyst
Bangalore
Summary
Precise Quality Assurance Manager proficient in all QA operations, policies and procedures. Offering overall 14 years of prolific experience in result-oriented profession in the areas of Quality Assurance, Risk management, Internal audit, Projects & Change Management to achieve excellent results and customer satisfaction.
Overview
15
15
years of professional experience
7
7
years of post-secondary education
Work History
Senior Quality Assurance Administrator
Wells Fargo India Solutions
09.2017 - Current
- Evaluates the adequacy and effectiveness of credit policies, procedures, processes, products and internal controls as defined within business process
- Identify and assess internal risk factors leading to emerging or increasing credit risk
- Apply independent Judgement across all examination of processes
- Identify significant credit risks and suggest ways to improve business practices
- Identify internal control weaknesses and provide guidance to business groups on the development
- Participating in the testing, monitoring and quality assurance of business practices
- Credit policy exceptions review and check adequate mitigating factors to counter the risk of the exceptions
- Focus on assessing if credit risk is properly understood, measured, and projected within the processes
- Collaboration with business to communicate observations, recommend improvement ideas and suggest best practices within business process
- Draft testing and evaluation summary including observations to leadership each month.
- Mentored junior QA staff, fostering professional growth while increasing overall team productivity and effectiveness.
Quality Assurance Administrator
Wells Fargo India Solutions
07.2012 - 08.2017
- Co-ordinate with loan officer to make file ready for underwriting during loan origination process by completing pre underwriting activities
- Analyze loan application & approve/reject based on the history, credibility of the applicant & responsible for ensuring that all loan documentation is complete accurate & complies with company policy
- Searches are made on LDP/SAM & prevent the loan being sanctioned to fraudulent customer
- Review & verify borrower's income, credit reports, employment history, property appraisals & the title insurance information to prepare loan applications for underwriting
- Analyzing borrower's various sources of incomes and employment history to validate and calculate the customer's available income that can be used to qualify for the Loan
- Reports-Accuracy, Route cause analysis, Performance Snapshot, EOD, Work allocation, RMC (Risk management compliance) Audit report
- Process management- Process change/Training/Refresher
- Addressed escalations and solved queries within procedure framework.
Foreclosure Associate
OCWEN Financial Solutions
09.2009 - 04.2012
- Portfolio management: Managing all the loans within the portfolio
- Providing solutions to the foreclosure issues to internal customers, Paralegals and attorneys through emails and over phone calls in emergency cases
- Timeline management: Ensuring the property is taken to sale within a stipulated timeline
- Information management: Facilitate smooth flow of information so that timely action can be taken, updating the system whenever relevant information is received
- Quality check: Filtering the loans from the portfolio for the smooth flow of foreclosure process and ensuring that no delays are happening
- Reviewed and updated loan information on all the files in the portfolio daily and maintained quality and efficiency
- Control Review: Working as a part of filtering team to identify the delays caused in foreclosing the property by other departments and report the same to the investor.
Education
PGDM - Business Administration And Management
St. Aloysius College
Mangalore05.2009
Bachelor of Arts - Economics
St. Aloysius College
Mangalore 04.2001 - 04.2008
PUC - undefined
Besant College
SSLC - undefined
St. Joseph's School
Skills
Defect tracking
undefinedTechnical Skill Sets
- MS Excel
- MS Word
- MS PowerPoint
- GVC trained (Mortgage domain) & Banking Essentials
- Certification of Risk Management course
Achievements And Awards
- Actively involving in streamlining Centralized Quality team.
- Handled process query.
- Conducted process training.
- Shared Success Award and Achieving Excellence award for maintaining 100% accuracy.
- Received appreciations from different levels of managers for successfully Managing trainings.
- Received awards as Top performer.
- Received appreciations from client for excellent performance.
Timeline
Senior Quality Assurance Administrator
Wells Fargo India Solutions
09.2017 - Current
Quality Assurance Administrator
Wells Fargo India Solutions
07.2012 - 08.2017
Foreclosure Associate
OCWEN Financial Solutions
09.2009 - 04.2012
Bachelor of Arts - Economics
St. Aloysius College
04.2001 - 04.2008
PGDM - Business Administration And Management
St. Aloysius College
PUC - undefined
Besant College
SSLC - undefined
St. Joseph's School
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