Rimpe Ghosh
Governance, Risk & Compliance (GRC) Analyst
Narsingi
Summary
Dynamic Senior Consultant with a decade of expertise in mortgage transactional testing, specializing in collaborative problem-solving and risk management. Recognized for delivering innovative solutions that drive meaningful change within organizations. Proficient in both primary and secondary research, ensuring data-driven decision-making that enhances business outcomes. Committed to leveraging extensive experience to foster growth and efficiency in diverse business environments.
Overview
11
11
years of professional experience
2
2
Languages
Work History
Senior Consultant 2
Deloitte USI
06.2024 - Current
- Drove team performance through coaching, training, and regular feedback, improving overall productivity and quality benchmarks. Led a team of 20 members in mortgage control testing, ensuring adherence to regulatory and internal compliance standards while consistently meeting tight deadlines.
- Set up and scaled the control testing function from the ground up, establishing structured processes, quality frameworks, and team governance models.
- Improved defect detection accuracy by 25% and reduced rework rates by 15% through targeted quality interventions and process optimization.
- Achieved approximately 99% client efficiency by streamlining workflows, strengthening quality checks, and ensuring timely delivery of high-quality outputs.
- Identified key control gaps and implemented remediation strategies, contributing to improved audit outcomes and strengthened risk management practices.
- Acted as a primary point of contact for client stakeholders, ensuring clear communication, expectation management, and high client satisfaction.
- Demonstrated a working knowledge of regulatory reporting, supporting compliance with evolving regulatory requirements.
- Drove team performance through coaching, training, and regular feedback, improving overall productivity and quality benchmarks.
Associate
Goldman Sachs
09.2018 - 05.2024
- Performed end-to-end due diligence on residential and commercial mortgage pools, ensuring alignment with internal guidelines and investor requirements.
- Reviewed loan files for documentation accuracy and completeness, including credit reports, appraisals, titles, ALTA, BPO, AOM, and POA documents.
- Conducted detailed collateral and compliance reviews, including property taxes, legal documentation, and title validation.
- Managed Loss Mitigation reviews, validating loan modification agreements, interest rates, and calculating LTV, Front-End DTI, and Back-End DTI as per guidelines.
- Executed FIRREA-compliant appraisal and Broker Price Opinion (BPO) analysis to assess property valuation accuracy.
- Handled hazard insurance claims for REO properties, submitting and tracking claims in line with insurer guidelines.
- Conducted foreclosure and BKFS portal reviews, validating bid strategies, property disposition (acquisition vs. Third-party sale, and fund realization.
- Performed note, assignment (AOM), and TILA compliance reviews for residential mortgage transactions.
Monitored and managed servicer complaints, ensuring timely resolution of CFPB and regulatory escalations. - Supported Vendor Risk Management, including contract review, risk assessment (medium/high), Ariba updates, and cross-functional coordination for issue resolution.
- Executed Warehouse Lending Release reviews, validating loan readiness for secondary market transactions.
- Leveraged SQL (MSQL) and Alteryx for data extraction, transformation, and analysis across large mortgage datasets.
- Demonstrated strong understanding of borrower income calculation and credit assessment within underwriting and due diligence processes.
Floor Lead
Altisource Business Solutions Pvt Ltd
05.2016 - 08.2018
- Work for US mortgage and Rehab loans
- Verifying Credit qualifications of organizations.
- Process of work consists of Analysis if the borrower is credit worthy of the provided loans.
- Sources of income and investment document are verified and as per documents it decided the total amount the loans borrower is eligible.
- Through Review of US guidelines were followed.
- Post Closed review of Closing Disclosure and Loan Estimate as per TRID Guild line.
- As per the eligibility the borrower is divided into different groups/ segments accordingly given rating.
- I work on all products of US loans sanctions.
- I even handle client escalations and query resolution for my department.
- I am also involved into Team Query solution and training of team members.
- I also work as a trainer for processes enhancement I am currently adhered.
- I have also prepared are documents related to new process implementation as well as provide training to new resources.
Analyst
XL Dynamics Pvt Ltd
01.2015 - 12.2015
- Analysis - Understanding business requirements of the client and translating into business processes. Analysis includes the following:
- Verify signed documents received from borrowers/customers.
- Escalating issue to respective teams responsible and following up for resolution.
- Analyzing the payment to be made by borrower and escalate if any discrepancy found.
- Activation of newly closed loans in system after reviewing the documents and considering all requirements are met.
- Analysis of borrower’s account to show if there is any surplus or deficit in account.
Education
MBA - Finance
National School of Business
Bengaluru, India 04.2001 -
Skills
Control Testing & Internal Controls Validation
Risk Assessment & Mitigation
Regulatory Compliance (US Mortgage – TRID, TILA, FIRREA)
Mortgage Due Diligence (RPL/NPL, Securitization)
Loan Servicing, Loss Mitigation & Modification Review
Audit, Quality Assurance & Process Governance
Regulatory Reporting & CFPB Compliance
Advanced MS Excel, SQL & Alteryx (Data Analysis & Automation)
Data Analysis, Reporting & Insight Generation
Process Improvement & Operational Efficiency
Stakeholder & Client Management
Team Leadership & People Management (20 Members)
Timeline
Senior Consultant 2
Deloitte USI
06.2024 - Current
Associate
Goldman Sachs
09.2018 - 05.2024
Floor Lead
Altisource Business Solutions Pvt Ltd
05.2016 - 08.2018
Analyst
XL Dynamics Pvt Ltd
01.2015 - 12.2015
MBA - Finance
National School of Business
04.2001 -