Summary
Overview
Work History
Education
Skills
Accomplishments
Websites, Portfolios, Profiles
CORE QA / QC COMPETENCIES
Timeline
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Shubham

Patna

Summary

Delivers quality and compliance checks on US mortgage loan files to support accurate processing against FEMA, NFIP and FNMA guidelines. Reviews loan data, documentation and system outputs to identify defects, exceptions and risk flags, while managing escalations and coordinating timely resolution with underwriting and compliance teams. Achieves consistent audit-ready output through strong attention to detail, disciplined documentation and stakeholder collaboration.

Overview

7
7
years of professional experience

Work History

Senior Process Associate – Risk & Compliance (US Mortgage)

Tata Consultancy Services Ltd.
07.2023 - Current
  • Performed quality and compliance checks on US mortgage loan files against applicable FEMA, NFIP and FNMA guidelines.
  • Reviewed process outputs and loan data, identifying defects, discrepancies, missing information, compliance exceptions, and risk flags to ensure adherence to guidelines.
  • Performed risk-based validation to determine insurance and regulatory requirements and ensure accurate processing outcomes.
  • Managed exception queues, investigated root causes and coordinated with underwriting and compliance teams for timely resolution.
  • Managed escalations and high-risk cases, ensuring documentation accuracy and compliance with defined procedures.
  • Conducted audit-oriented reviews and quality checks, enhancing process accuracy and reducing errors to support SLA/TAT adherence.
  • Delivered training and knowledge-transfer sessions to US stakeholders, reinforcing process standards and quality expectations.
  • Recognized with 4x Star Performer and 1x Employee of the Quarter awards for consistent high-quality output.

Analyst – Closing Operations (Audit & Compliance)

Beter.com
04.2021 - 09.2022
  • Validated loan data, borrower documentation and system information for completeness, accuracy and compliance.
  • Executed pre-delivery and post-closing quality audits for mortgage loans in alignment with FNMA/Freddie Mac requirements.
  • Reviewed investor loan delivery and documentation accuracy, ensuring alignment with requirements and adherence to SLA timelines to optimise delivery process.
  • Identified defects, compliance violations and operational gaps; documented findings and facilitated corrective actions to enhance compliance and operational integrity.
  • Resolved escalations through cross-functional coordination, maintaining quality standards and ensuring timely resolution of issues throughout the closing process.
  • Assessed borrower creditworthiness and financial risk in coordination with underwriting teams.

Analyst – Operations & Client Management

Canara HSBC OBC Life Insurance Ltd.
01.2020 - 06.2020
  • Managed client interactions and supported financial product operations, ensuring process accuracy and high service quality to enhance client satisfaction.
  • Achieved process-driven targets while addressing customer and operational requirements, contributing to overall service delivery excellence.
  • Facilitated customer onboarding and risk profiling, upholding information and documentation standards to ensure compliance.

Education

PGDM - Finance

Indira Institute of Management
Pune
01-2020

Bachelor of Business Administration -

Maharshi Dayanand University
Rohtak
01-2013

12th -

St. Michael's High School
Patna, BR
01-2010

10th -

Loyola High School
Patna, BR
01-2008

Skills

  • Risk & Compliance
  • QA / QC: Quality Checks, Audit, Data Validation, Defect handling, Root cause analysis, Process identification, Compliance validation
  • Regulatory Guidelines
  • Closing Operations
  • Post-Closing
  • Loan data analysis
  • Tools: Encompass
  • NetOxygen (NetOx)
  • MS Excel
  • Google Sheets
  • Domain: US Mortgage Operations

Accomplishments

  • 4x Star of the Month – TCS
  • Employee of the Quarter – TCS
  • Improved compliance accuracy and reduced processing errors through quality-focused reviews.
  • Successfully handled high-risk cases, exceptions and escalations while maintaining quality standards.

Websites, Portfolios, Profiles

LinkedIn

CORE QA / QC COMPETENCIES

  • Quality Assurance & Quality Control
  • Test / Validation Mindset
  • Audit & Compliance Checks
  • Defect / Exception Identification
  • Root Cause & Gap Analysis
  • Data Validation & Accuracy
  • Process & Documentation Review
  • Pre-Delivery & Post-Closing Audits
  • Risk-Based Quality Checks
  • Escalation Management
  • SLA / TAT Monitoring
  • SOP / Guideline Adherence
  • Process Improvement
  • Cross-functional Coordination
  • Quality Reporting
  • Stakeholder Management

Timeline

Senior Process Associate – Risk & Compliance (US Mortgage)

Tata Consultancy Services Ltd.
07.2023 - Current

Analyst – Closing Operations (Audit & Compliance)

Beter.com
04.2021 - 09.2022

Analyst – Operations & Client Management

Canara HSBC OBC Life Insurance Ltd.
01.2020 - 06.2020

PGDM - Finance

Indira Institute of Management

Bachelor of Business Administration -

Maharshi Dayanand University

12th -

St. Michael's High School

10th -

Loyola High School
Shubham